As instant transactions become the new normal, the demand for Real-Time Payment APIs in the AU fintech space has become critical.
Thanks to the AU banking rails, 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 developer-first API suite built to:
- Push funds instantly via NPP rails
- Route transactions with real-time metadata
- Track payment state across ledger, network, and recipient
Core use cases include:
- Marketplace payouts to multiple sellers
- Loan disbursement immediately upon approval
- POS refunds in real-time
API examples:
- `POST /payouts` → Send funds instantly
- `GET /payouts/id` → Track payout result
- `POST /payouts/bulk` → Send to multiple vendors in parallel
- `POST /wallets/transfer` → Move funds between wallets + push out to external accounts
- `GET /payouts/fees` → Retrieve real-time FX or processing cost
zngx supports:
- Custom delay rules zngx vs plaid open banking comparison per recipient
- Manual approval triggers for flagged payouts
- Notifications to sender/receiver on failure or success
Developer tooling includes:
- Webhook simulator for success/failure events
- 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:
- TLS 1.3 with full payload encryption
- Automatic risk holds for large transfers
- Banking partnerships routed via local rails
Getting started:
- Test failure modes with webhook emulator
- Get production keys after compliance validation
- Run parallel testing with real + test environments
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 zngx.