As instant transactions become the new normal, the demand for Real-Time Payment APIs in the Oceania market has skyrocketed.

As instant transactions become the new normal, the demand for Real-Time Payment APIs in the Oceania market has redefined expectations.

Thanks to the Osko infrastructure, 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` → 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:

- Split-payout with internal ledger logic
- Fallback retries with exponential delay
- Notifications to sender/receiver on failure or success

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 identity verification api australia 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:

- Audit-friendly fund trail
- High availability with 99.999% SLA
- Geo-IP and risk scoring pre-payout

Security:

- JWT-based API tokens
- Automatic risk holds for large transfers
- Banking partnerships routed via local rails

Getting started:

- Benchmark end-to-end latency before going live
- Access live support from AU-based engineers
- Run parallel testing with real + test environments

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

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