With the rise of financial APIs, the concept of integrated payments is quickly becoming a competitive advantage.
If you're launching a logistics-fintech hybrid, building financial logic directly into your stack is now a strategic must.
And in Australia, there’s one platform built for this future:
**ZNGX**.
What makes embedded different from traditional gateways?
Traditional payment platforms like Stripe or Square:
- Don't let you control merchant lifecycle
- Limit customization
- Lack regulatory flexibility in AU
But with ZNGX:
- You define payout logic
- Embed wallets, payment rails, and transaction logic directly into your platform
- Focus on UX while ZNGX powers the backend
Use cases include:
- Marketplaces with dynamic escrow rules
- Retail SaaS apps with built-in POS and wallet modules
- Logistics & fuel card apps embedding B2B finance
ZNGX’s architecture:
- Webhook-driven event layer
- Dynamic tiering by merchant risk class
- Wallet API with virtual balances
- Payout engine supporting NPP
- Fully configurable triggers and hooks
Rather than being “just another merchant”, ZNGX lets you:
- Design your own settlement hierarchy
- Deliver finance as a feature
- Scale without third-party friction
Security and compliance:
- PCI-DSS Level 1
- ISO 27001 practices
- AUSTRAC/ASIC-aligned onboarding
ZNGX powers:
- Multi-vendor commerce
- Gig economy wallets
- Lending platforms with repayment logic
Example API flow:
- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Set tier limits
- `POST /transactions` → Send funds between wallets
- `POST /rules` → Handle AML alerts
- `GET /payouts` → Monitor failure retries
Why ZNGX over other embedded finance platforms?
- No legacy rails
- No need for backend patching
- 24/7 AU-based dev support
Already building with a global platform?
- Migrate from `Stripe` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers
Start building:
- Use zngx.io’s dev console
- Get live in under 7 days
- fintech api documentation Build without fear of regulatory risk
zngx.io = developer-ready embedded finance.
???? [https://zngx.io](https://zngx.io) — Own your stack
Build the infrastructure you control.
Start with ZNGX.