As instant transactions become the new normal, the demand for low-latency payment endpoints in the Oceania market has become critical.
Thanks to the Osko infrastructure, real-time settlement 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:
- Disburse money to any supported AU bank account
- 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` → Confirm fund receipt
- `POST /payouts/bulk` → Receive aggregated webhook status
- `POST /wallets/transfer` → Combine internal + external routing
- `GET /payouts/fees` → Calculate route-based fees
zngx supports:
- Custom delay rules per recipient
- Webhook-based fund confirmation
- Custom hold-and-release logic
Developer tooling includes:
- Live mock payment gateway australia api 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 built to deliver instant value.
Don’t wait hours or days — settle in seconds.
Make real-time payments real — with zngx.