Europe, Middle East & Africa
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Asia Pacific
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Move money in seconds  —

Real Time Payments

Zai is a real-time payments pioneer and the first non-bank payments platform to provide instant money transfers over the New Payments Platform (NPP) in Australia. 

We understand that in order to scale, your business needs to be truly agile and operate in an efficient way. We therefore go beyond helping you and your customers receive payments 24 hours a day, 7 days a week. We apply our real-time expertise to power your payment workflows with APIs that enable authentication, liquidity, payment and settlement with zero wait-times.

Fraud Defence
Superior experience —

Give customers a superior experience through fast, flexible payments

  • Money moves between over 90 Australian banks and financial institutions within seconds

  • Collect and disburse payments 24 hours a day, 7 days a week, 365 days a year. At night, over the weekend, and on public holidays

  • Help your customers get paid with uncapped payout limits

  • Speed up refunds and automate how all payments are made, received, managed and cleared in real time. 

  • Use data rich information with payments descriptors of up to  280 characters to provide customers with clarity and payment traceability

  • Simplify complex workflows and free up time to focus on your customers

In store Payments
Gain efficiency and agility

Reduce manual effort, errors, and costs with workflows driven entirely by payment APIs

  • Automate your entire payment flow and avoid manual uploads

  • Ensure every payout goes through using smart routing redundancy

  • Auto return unmatched payments and reduce manual overhead

  • Enhance your existing payment workflow with API automation

Protect your business
Trusted experience that enhances brand reputation —

Maintain uptime and brand reputation through proven, reliable technology

  • Disrupt your industry with pioneers of Australia's New Payments Platform (NPP)

  • Maintain stability and uptime using proven technology

  • Rely on bank grade security and processing volumes

  • Scale infinitely using Zai's micro-services architecture

  • Trust Zai's PCI DSS compliance, encryption and tokenisation

Get to market faster

“With Assembly's (now Zai) solution we were able to create as many payflows as was needed, which suited us since in property management these can be several and inexhaustive.”

Nick Bouris

Co-founder and Director, Managed App

Read Case Study

How it works


Customer makes payment via their banking portal using a PayID

0 sec

Assembly accepts and processes funds


Funds are held with Assembly for use elsewhere

Funds are instantly transferred to your bank account


Payment is complete and Assembly triggers callback to notify you

6 sec

You keep your Assembly account topped up ready for payouts


You trigger a customer payout via API

0 sec

Assembly processes transaction and makes payment


Customer receives funds in their bank account


Payment is complete and Assembly triggers callback to notify you

6 sec


Automation makes reconciling payments easy

Stability and uptime for a reliable service

Faster payments mean less inbound customer support tickets

Unlimited transaction amounts ideal for high ticket purchases

Payment are received in real time which eliminates batched scheduling

Faster payouts mean less inbound customer support tickets

Remove human error with no need for manual ABA uploads

Payment are received and completed successfully with DE failover capability

Frequently Asked Questions

Real Time Payments are electronic payments that happen instantly by integrating with the New Payments Platform, which is Australia's fastest payment rails.

The fast nature of these payments mean that they can be made and received within 60 seconds. Instant settlement and confirmation results in immediate fund availability for the recipient, making this a convenient payment method for transactions with consumers and other businesses.

Real Time Payments over the NPP make it possible to make and receive payments. With Zai's API-driven solution payment, reconciliation and other processes are actioned in real-time to eliminate manual handling, saving businesses time and overheads.

For payins to your business, customers send payments to your registered PayID. For payouts, payments are made to your customers' NPP-enabled bank account. These are bank accounts with financial institutions that have rolled out NPP to support faster payments to and from their customers’ accounts. If a bank account is not NPP-reachable, the payment is automatically sent using the traditional Direct Credit.

The Zai API will also trigger a notification to your business with the status of the payment.

With Real Time Payments receive funds in real-time at any time, every day of the year.

These fast transactions can help provide a seamless customer experience as funds move swiftly between several parties. By leveraging technology entire processes can be automated to make handling cash and other associated business processes less manual, and by default faster and less error prone while also resulting in improved cash flow.

Real-time payouts with Zai are uncapped means you can send large sums in seconds.

Real-time pay ins depend on your default bank limits, and can be upped by contacting your bank.

As Australia’s real-time payments pioneer, Zai has managed  over $2billion real-time  transactions. We offer unparalleled experience and expertise of the New Payments Platform (NPP).

We provide ongoing integration support and model flexible API technology to your needs so that you can reduce process complexities and gain efficiency. One single integration into multiple  payment options means you can quickly start to make and accept multiple payment methods.

With Zai, rest assured that your payment will reach its destination. Send funds to NPP addressable bank accounts and automatically route the payment using traditional banking rails for non-NPP accounts without needing additional integrations.

Some examples of Real Time Payments and how they are used in different industries include:

-PropertyTechs who manage instant payments from tenants, landlords, agents and other billers. This industry is traditionally burdened by slow payment processes offered by traditional financial services providers. Zai's APIs simplify administrative complexity, while real-time payments ease cash flow for end customers.

-Some of the world’s top 50 cryptocurrency exchanges choose Zai's Real Time Payments to achieve faster trading times and maximise opportunities for their customers in a market known for its volatility.

-Remitters and Fintechs use a single integration and lightning-fast transaction speeds to accept and remit payments, while reducing customer wait-times and maximising exchange rates for their bottom line.

Empowering you to operate faster than ever before

Learn how Zai's real time payment solution can  help you gain agility and scale. Get in touch today.

Contact Sales