As businesses demand more control over core banking functions, the concept of integrated payments is quickly becoming a competitive advantage.
From B2B to ride sharing, 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
- Create new revenue streams
- Launch regulated flows fast
Security and compliance:
- Tokenized card storage
- Audit logging on every call
- Real-time transaction logging
ZNGX powers:
- Multi-vendor commerce
- On-demand services
- Retail with embedded checkout finance
Example API flow:
- `POST /onboard` → Launch new payout profile
- `POST /wallets` → Create user wallets
- `POST /transactions` → Trigger real-time processing
- `POST /rules` → Handle AML alerts
- `GET /payouts` → Monitor failure retries
Why ZNGX over other embedded finance platforms?
- No legacy rails
- No banking license required
- 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:
- Use zngx.io’s dev console
- zngx vs stripe api comparison Embed flows without disrupting users
- Work with engineers who know AU compliance
zngx.io = developer-ready embedded finance.
???? [https://zngx.io](https://zngx.io) — Own your stack
Stop renting your payments logic
Start with ZNGX.