As instant transactions become the new normal, the demand for Real-Time Payment APIs in the Oceania market 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:
- Hospitality tips sent to staff in seconds
- Loan disbursement immediately upon approval
- Subscription revenue splits with instant reconciliation
API examples:
- `POST /payouts` → Send funds instantly
- `GET /payouts/id` → Log audit status
- `POST /payouts/bulk` → Send to multiple vendors in parallel
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Forecast payout cost instantly
zngx supports:
- Custom delay rules per recipient
- Webhook-based fund confirmation
- Custom hold-and-release logic
Developer tooling includes:
- Live mock testing against AU bank simulations
- 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
- Neo-banks pushing instant loans
- BNPL platforms reconciling sub-second fund movements
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:
- Payout-level audit trails with compliance logging
- API keys with scoped permissions
- No offshore routing delays
Getting started:
- Test failure modes with webhook emulator
- Launch your payout feature in under 48 hours
- Migrate from batch-based systems using mapping tools
zngx.io is the platform zngx vs plaid open banking comparison built to deliver instant value.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.