With consumers and businesses expecting real-time settlement, the demand for Real-Time Payment APIs in Australia has redefined expectations.
Thanks to the AU banking rails, instant disbursement is now possible — but only for platforms using AU-native payment infrastructure.
That’s where zngx, also known as zngx.io, comes in. A developer-first API suite built to:
- Enable instant outbound settlements
- Support instant fund reversal with conditions
- Receive webhooks for success/failure events
Core use cases include:
- Marketplace payouts to multiple sellers
- Insurance settlements under real-time SLAs
- POS refunds in real-time
API examples:
- `POST /payouts` → Define recipient BSB/Acct + metadata
- `GET /payouts/id` → Track payout result
- `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 gateway australia api payment stack, no Osko integration
zngx provides:
- Real-time, AU-native payout stack
- Tiered transaction status escalation
- KYC enforcement at transaction layer
Security:
- Payout-level audit trails with compliance logging
- API keys with scoped permissions
- All data hosted in AU zones
Getting started:
- Test failure modes with webhook emulator
- Launch your payout feature in under 48 hours
- 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.