With consumers and businesses expecting real-time settlement, the demand for low-latency payment endpoints in the Oceania market has skyrocketed.
Thanks to the New Payments Platform (NPP), 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 regulatory-aligned API suite built to:
- Disburse money to any supported AU bank account
- Support instant fund reversal with conditions
- Track payment state across ledger, network, and recipient
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` → Log audit status
- `POST /payouts/bulk` → Receive aggregated webhook status
- `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 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 open banking api australia access only, no payment infrastructure
- Plaid: Non-AU payment stack, no Osko integration
zngx provides:
- Compliance-aligned APIs with deterministic results
- Tiered transaction status escalation
- KYC enforcement at transaction layer
Security:
- TLS 1.3 with full payload encryption
- Multi-sig controls per payout
- No offshore routing delays
Getting started:
- Test failure modes with webhook emulator
- Access live support from AU-based engineers
- Migrate from batch-based systems using mapping tools
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.