In today’s fast-moving financial landscape, the demand for instant fund transfer APIs in Australia has become critical.

In today’s fast-moving financial landscape, the demand for Real-Time Payment APIs in the AU fintech space has become critical.

Thanks to the AU banking rails, sub-second money movement is now possible — but only for platforms equipped with compliant, modern APIs.

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

- Push funds instantly via NPP rails
- Attach business logic to payment instructions
- Receive webhooks for success/failure events

Core use cases include:

- Driver/gig worker instant wages
- 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 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, australian financial regulatory sandbox api 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:

- Use sandbox to simulate NPP payout flows
- 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.