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 equipped with compliant, modern APIs.
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
- Attach business logic to payment instructions
- Implement fallback scenarios on failure
Core use cases include:
- Hospitality tips sent to staff in seconds
- Insurance settlements under real-time SLAs
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Select NPP routing logic
- `GET /payouts/id` → Confirm fund receipt
- `POST /payouts/bulk` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Calculate australian financial regulatory sandbox api route-based fees
zngx supports:
- Split-payout with internal ledger logic
- Fallback retries with exponential delay
- Auto-cancellation if not received in X mins
Developer tooling includes:
- Postman & Swagger access to all payout endpoints
- Language-specific SDKs with retry logic built-in
- Full sandbox with synthetic account + BSBs
zngx is ideal for:
- Retail payment systems refunding at POS
- Hospitality apps handling dynamic tip payouts
- CDR-aligned fintechs requiring timestamped settlement
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:
- Payout-level audit trails with compliance logging
- API keys with scoped permissions
- All data hosted in AU zones
Getting started:
- Benchmark end-to-end latency before going live
- Launch your payout feature in under 48 hours
- Preserve transaction history
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.