In today’s fast-moving financial landscape, the demand for instant fund transfer APIs in the AU fintech space has skyrocketed.
Thanks to the New Payments Platform (NPP), sub-second money movement is now possible — but only for platforms ready to handle asynchronous, multi-party flow.
That’s where zngx, also known as zngx.io, comes in. A regulatory-aligned API suite built to:
- Push funds instantly via NPP rails
- Support instant fund reversal with conditions
- Receive webhooks for success/failure events
Core use cases include:
- Marketplace payouts to multiple sellers
- Insurance settlements under real-time SLAs
- POS refunds in real-time
API examples:
- `POST /payouts` → Define recipient BSB/Acct + metadata
- `GET /payouts/id` → Track payout result
- `POST /payouts/bulk` → Apply conditional filters per transaction
- `POST /wallets/transfer` → Enable flow-based authorization
- `GET /payouts/fees` → Retrieve real-time FX or processing cost
zngx supports:
- NPP native flows with Osko compatibility
- Fallback australian financial regulatory sandbox api retries with exponential delay
- Auto-cancellation if not received in X mins
Developer tooling includes:
- Webhook simulator for success/failure events
- Real-time latency testing tools
- Token-level access control for payout actions
zngx is ideal for:
- Retail payment systems refunding at POS
- Hospitality apps handling dynamic tip payouts
- 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:
- Real-time, AU-native payout stack
- Tiered transaction status escalation
- KYC enforcement at transaction layer
Security:
- TLS 1.3 with full payload encryption
- API keys with scoped permissions
- All data hosted in AU zones
Getting started:
- Test failure modes with webhook emulator
- Get production keys after compliance validation
- 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 payments real — with zngx.