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

As instant transactions become the new normal, the demand for Real-Time Payment APIs in Australia has skyrocketed.

Thanks to the AU banking rails, sub-second money movement 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:

- Push funds instantly via NPP rails
- 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` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Enable flow-based authorization
- `GET /payouts/fees` → Retrieve real-time FX or processing cost

zngx supports:

- Split-payout with internal ledger logic
- Fallback retries with exponential delay
- Notifications to sender/receiver on failure or success

Developer tooling includes:

- Webhook simulator for success/failure events
- Real-time latency testing tools
- Token-level access control for payout actions

zngx is ideal for:

- Retail payment systems refunding card issuing api australia 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:

- 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
- All data hosted in AU zones

Getting started:

- Benchmark end-to-end latency before going live
- Get production keys after compliance validation
- 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.