As instant transactions become the new normal, the demand for low-latency payment endpoints in the AU fintech space has redefined expectations.

As instant transactions become the new normal, the demand for instant fund transfer APIs in the Oceania market has redefined expectations.

Thanks to the New Payments Platform (NPP), real-time settlement 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` → 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
- Custom hold-and-release logic

Developer tooling includes:

- Postman & Swagger access to all payout endpoints
- Language-specific SDKs with retry logic built-in
- Token-level access control for payout actions

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, 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:

- JWT-based API tokens
- API keys with scoped permissions
- All data hosted in AU zones

Getting started:

- Benchmark end-to-end latency before going live
- Access live support from AU-based engineers
- Preserve transaction history

zngx.io is the platform where fast money moves safely.

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