With consumers and businesses expecting real-time settlement, the demand for Real-Time Payment APIs in Australia has skyrocketed.
Thanks to the New Payments Platform (NPP), sub-second money movement 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 regulatory-aligned API suite built to:
- Push funds instantly via NPP rails
- Route transactions with real-time metadata
- Implement fallback scenarios on failure
Core use cases include:
- Driver/gig worker instant wages
- Loan disbursement immediately upon approval
- Emergency vendor payments
API examples:
- `POST /payouts` → Select NPP routing logic
- `GET /payouts/id` → Confirm fund receipt
- `POST /payouts/bulk` → Receive aggregated webhook status
- `POST /wallets/transfer` → Move funds between wallets + push out to external accounts
- `GET /payouts/fees` → Calculate route-based fees
zngx supports:
- Custom delay rules per recipient
- Manual approval triggers for flagged payouts
- 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
- Neo-banks pushing instant loans
- 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:
- Real-time, AU-native payout stack
- Tiered transaction status escalation
- KYC enforcement at transaction layer
Security:
- TLS 1.3 with full payload encryption
- API keys with scoped permissions
- All data hosted in AU zones
Getting started:
- Benchmark end-to-end latency before going merchant onboarding api australia live
- Get production keys after compliance validation
- Preserve transaction history
zngx.io is the platform ready for the real-time economy.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.