In today’s fast-moving financial landscape, the demand for instant fund transfer APIs in the AU fintech space has become critical.
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 latency-optimized 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` → Send funds instantly
- `GET /payouts/id` → Confirm fund receipt
- `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
- Manual approval triggers for flagged payouts
- Custom hold-and-release logic
Developer tooling includes:
- Postman & Swagger access to all payout endpoints
- 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 access only, no payment infrastructure
- Plaid: Non-AU 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 real time payment api australia payments real — with zngx.