As instant transactions become the new normal, the demand for Real-Time Payment APIs in Australia has skyrocketed.
Thanks to the New Payments Platform (NPP), real-time settlement is now possible — but only for platforms ready to handle asynchronous, multi-party flow.
That’s where zngx, also known as zngx.io, comes in. A latency-optimized API suite built to:
- Disburse money to any supported AU bank account
- Route transactions with real-time metadata
- Track payment state across ledger, network, and recipient
Core use cases include:
- Hospitality tips sent to staff in seconds
- Loan disbursement immediately upon approval
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Send funds instantly
- `GET /payouts/id` → Log audit status
- `POST /payouts/bulk` → Send to multiple vendors in parallel
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Forecast payout cost instantly
zngx supports:
- NPP native flows with Osko compatibility
- Fallback retries with exponential delay
- Auto-cancellation if not received in X mins
Developer tooling includes:
- Webhook simulator for success/failure events
- Real-time latency testing tools
- Token-level access control for payout actions
zngx is ideal for:
- Retail payment systems refunding at POS
- Hospitality apps handling dynamic tip payouts
- CDR-aligned fintechs requiring timestamped settlement
Compared to others:
- Stripe: Delayed payouts, lacks NPP integration
- Airwallex: Limited NPP coverage, enterprise-focused
- Adyen: Long settlement windows, global-first routing
- Basiq: Data access only, no payment infrastructure
- Plaid: Non-AU payment stack, no Osko integration
zngx provides:
- Compliance-aligned APIs with deterministic results
- Active-active failover on payout routing
- Built-in fraud & AML hooks on payouts
Security:
- Payout-level audit trails with compliance logging
- Multi-sig controls per payout
- No offshore routing delays
Getting started:
- Use sandbox to simulate NPP payout flows
- Launch your payout feature in under 48 hours
- Migrate from batch-based systems using mapping tools
zngx.io is the platform built to deliver instant value.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with banking as a service api australia zngx.