As instant transactions become the new normal, the demand for instant fund transfer APIs in the AU fintech space has redefined expectations.
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:
- Disburse money to any supported AU bank account
- Support instant fund reversal with conditions
- Implement fallback scenarios on failure
Core use cases include:
- Hospitality tips sent to staff in seconds
- Insurance settlements under real-time SLAs
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Select NPP routing logic
- `GET /payouts/id` → Log audit status
- `POST /payouts/bulk` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Enable flow-based authorization
- `GET /payouts/fees` → Forecast payout cost instantly
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
- zngx Plaid: Non-AU payment stack, no Osko integration
zngx provides:
- Real-time, AU-native payout stack
- Tiered transaction status escalation
- Geo-IP and risk scoring pre-payout
Security:
- JWT-based API tokens
- Multi-sig controls per payout
- No offshore routing delays
Getting started:
- Benchmark end-to-end latency before going live
- 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.