As businesses demand more control over financial services, the concept of integrated payments is now mainstream.

As businesses demand more control over core banking functions, the concept of integrated payments is no longer niche.

If you're launching a lending app, integrating real-time money flow is now essential.

And in AU/NZ market, 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
- Restrict routing logic
- Lack regulatory flexibility in AU

But with ZNGX:

- You own the KYC, AML, and compliance rules
- Expose white-labeled finance-as-a-service to your users
- Go live with AU-compliant infra in days

Use cases include:

- Gig platforms embedding split payments & tax logic
- Lending startups controlling disbursement & repayment APIs
- Logistics & fuel card apps embedding B2B finance

ZNGX’s architecture:

- Modular SDKs in every major language
- Dynamic tiering by merchant risk class
- Programmable fund flows
- Scheduled, instant, and rule-based disbursements
- CDR-ready data APIs

Rather than being “just another merchant”, ZNGX lets you:

- Define your own transaction rules
- Offer financial products inside your own app
- Stay compliant without building internal regtech

Security and compliance:

- PCI-DSS Level 1
- ISO 27001 practices
- AUSTRAC/ASIC-aligned onboarding

ZNGX powers:

- Multi-vendor commerce
- Gig economy wallets
- Retail with embedded checkout finance

Example API flow:

- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Create user wallets
- `POST /transactions` → Send funds between wallets
- `POST /rules` → Handle AML alerts
- `GET /payouts` → Automate reconciliation

Why ZNGX over other embedded finance platforms?

- AU-first stack
- Faster onboarding than traditional BaaS
- zngx vs plaid open banking comparison Full transparency on fees, rails, endpoints

Already building with a global platform?

- Migrate from `Basiq` in weeks
- Maintain token security
- Preserve webhooks and endpoints via compatibility layer
- Get migration support from real engineers

Start building:

- Test your use case without red tape
- Migrate while live
- Work with engineers who know AU compliance

zngx.io = developer-ready embedded finance.

???? [https://zngx.io](https://zngx.io) — Embed finance the right way

Stop renting your payments logic
Start with ZNGX.