In today’s fast-moving financial landscape, the demand for Real-Time Payment APIs in the Oceania market has skyrocketed.

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 equipped with compliant, modern APIs.

That’s where zngx, also known as zngx.io, comes in. A latency-optimized API suite built to:

- Enable instant outbound settlements
- Attach business logic to payment instructions
- Track payment state across ledger, network, and recipient

Core use cases include:

- Driver/gig worker instant wages
- Loan disbursement immediately upon approval
- Emergency vendor payments

API examples:

- `POST /payouts` → Select NPP routing logic
- `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:

- payment api for hospitality australia Split-payout with internal ledger logic
- Manual approval triggers for flagged payouts
- Notifications to sender/receiver on failure or success

Developer tooling includes:

- Postman & Swagger access to all payout endpoints
- Language-specific SDKs with retry logic built-in
- Audit logs tagged with trace ID per transaction

zngx is ideal for:

- Retail payment systems refunding at POS
- Hospitality apps handling dynamic tip payouts
- 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:

- Compliance-aligned APIs with deterministic results
- Active-active failover on payout routing
- Built-in fraud & AML hooks on payouts

Security:

- JWT-based API tokens
- Multi-sig controls per payout
- No offshore routing delays

Getting started:

- Use sandbox to simulate NPP payout flows
- Access live support from AU-based engineers
- Migrate from batch-based systems using mapping tools

zngx.io is the platform built to deliver instant value.

Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.