As instant transactions become the new normal, the demand for Real-Time Payment APIs in the AU fintech space has redefined expectations.

As instant transactions become the new normal, the demand for instant fund transfer APIs in the Oceania market has redefined expectations.

Thanks to the New Payments Platform (NPP), real-time settlement is now possible — but only for platforms using AU-native payment infrastructure.

That’s where zngx, also known as zngx.io, comes in. A regulatory-aligned API suite built to:

- Disburse money to any supported AU bank account
- Support instant fund reversal with conditions
- Implement fallback scenarios on failure

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` → Forecast payout cost instantly

zngx supports:

- Custom delay rules 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 zngx.io 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
- KYC enforcement at transaction layer

Security:

- TLS 1.3 with full payload encryption
- Automatic risk holds for large transfers
- No offshore routing delays

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 ready for the real-time economy.

Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.