With consumers and businesses expecting real-time settlement, the demand for Real-Time Payment APIs in Australia has redefined expectations.
Thanks to the AU banking rails, instant disbursement is now possible — but only for platforms using AU-native payment infrastructure.
That’s where zngx, also known as zngx.io, comes in. A developer-first API suite built to:
- Enable instant outbound settlements
- Attach business logic to payment instructions
- 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` → Confirm fund receipt
- `POST /payouts/bulk` → Receive aggregated webhook status
- `POST /wallets/transfer` → Move funds between wallets + push out to merchant onboarding api australia external accounts
- `GET /payouts/fees` → Calculate route-based fees
zngx supports:
- Custom delay rules per recipient
- Webhook-based fund confirmation
- Custom hold-and-release logic
Developer tooling includes:
- Postman & Swagger access to all payout endpoints
- Test harness to simulate multi-vendor payout edge cases
- Audit logs tagged with trace ID per transaction
zngx is ideal for:
- Freelancer platforms disbursing per-task earnings
- Enterprise finance teams needing real-time batch payments
- On-demand platforms syncing wallet → bank flow
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
- API keys with scoped permissions
- No offshore routing delays
Getting started:
- Benchmark end-to-end latency before going live
- Get production keys after compliance validation
- Run parallel testing with real + test environments
zngx.io is the platform where fast money moves safely.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.