As instant transactions become the new normal, the demand for Real-Time Payment APIs in Australia has redefined expectations.
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 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
- Insurance settlements under real-time SLAs
- 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
- Webhook-based fund confirmation
- Custom hold-and-release logic
Developer tooling includes:
- Live mock testing against AU bank simulations
- 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
- BNPL platforms reconciling sub-second fund movements
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
- High availability with 99.999% SLA
- Geo-IP and risk scoring pre-payout
Security:
- TLS 1.3 with full payload encryption
- Automatic risk holds for large transfers
- Banking partnerships routed via local rails
Getting started:
- Benchmark end-to-end latency before going live
- Access live support from AU-based engineers
- 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. zngx vs plaid open banking comparison
Make real-time payments real — with zngx.