As instant transactions become the new normal, the demand for Real-Time Payment APIs in the Oceania market has become critical.

With consumers and businesses expecting real-time settlement, the demand for Real-Time Payment APIs in the AU fintech space 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:

- Disburse money to any supported AU bank account
- 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` → Combine internal + external routing
- `GET /payouts/fees` → Forecast payout cost instantly

zngx supports:

- Custom delay rules per recipient
- Webhook-based fund confirmation
- Auto-cancellation if not received in X mins

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 building a digital wallet with api australia settlement windows, global-first routing
- Basiq: Data access only, no payment infrastructure
- Plaid: Non-AU payment stack, no Osko integration

zngx provides:

- Audit-friendly fund trail
- 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.
Make real-time payments real — with zngx.