Reliable Payment Collection Solutions by Zai

We provide Australian businesses with the tools to collect payments securely and efficiently. Built on a robust API-first platform, our system allows you to accept, hold, and disburse payments seamlessly.

All major cards

Seamless integration with major debit and credit cards, with secure tokenisation.

PayTo (real time bank payments)

Instant account-to-account payments via the NPP, authorised in the customer’s bank app with real time confirmation.

Virtual Account via PayID

Assign virtual accounts with optional PayID for quick transfers via PayID or NPP, with instant confirmation.

BPAY and direct credit

Accept BPAY and direct credit transfers into virtual accounts, with processing times based on the payer’s bank.

Trusted by fintechs, marketplaces, healthtech, and payroll platforms, Zai delivers reliable solutions to streamline your payment operations and support your growth.

Online Payments are Seamless with Zai
Supported Payment Methods
Prioritise Security Every Step of the Way
Grow Your Business Confidently
Built for Australian Businesses
Collect Online Payments with Full Control and Flexibility
What you can do with Zai
Frequently Asked Questions on Collecting Payments
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Online Payments are Seamless with Zai

Zai is a reliable payment collection platform, built to streamline payment operations for businesses of all sizes. Offering comprehensive integration options and support for various payment methods, Zai ensures a smooth payment experience for customers and operational efficiency for your team.

Supported Payment Methods

Zai supports a range of widely used payment methods, offering businesses the flexibility to serve a diverse customer base. These include:

Credit and Debit Cards – Accept major card types such as Visa, Mastercard, and Amex with ease.
PayTo (NPP) – Take advantage of fast, real-time payments via the New Payments Platform.
BECS Direct Debit – Automate recurring payments for subscription services or long-term customer agreements.
BPAY – Provide customers with one of Australia’s most trusted bill payment options.
Bank Transfers – Including real-time and overnight options.

By consolidating these options, Zai helps businesses meet customer needs while avoiding the complexity of juggling multiple payment platforms.

Flexible Workflows Tailored to Your Needs

No two businesses are the same, and Zai’s platform is built with that in mind. It supports customisable payment workflows that cater to even the most complex financial operations.

Unified Payment Processing

Zai allows businesses to manage various payment types such as card payments, PayTo transactions, and direct debits through a single cohesive system. This eliminates the need for multiple integrations and reduces the chance of errors.

Multi-Party Settlements

For businesses dealing with complex transactions, Zai simplifies how funds are distributed across multiple parties. With automated settlement flows, you save time and minimise errors, enabling smoother operations.

Real-Time Payment Routing

Speed and efficiency are crucial for modern payment processes. Zai’s real-time routing technology ensures transactions are processed quickly and reliably, enhancing customer satisfaction and operational performance.

Powerful payment processing

Want to find out more about how our payment collection platform can help you?

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Prioritise Security Every Step of the Way

Secure payment processing is essential, and Zai’s infrastructure is designed to uphold the highest standards of safety.

Sensitive cardholder data is tokenised to reduce exposure to fraud risks.
Fraud detection and monitoring tools provide an added layer of security.
Zai’s platform is PCI DSS compliant, ensuring adherence to global payment security standards.
Our practices align with Australian payment and data security regulations, supporting businesses in maintaining compliance.

Grow Your Business Confidently

Zai supports business growth by offering robust infrastructure, high-volume payment processing capabilities, and a suite of configurable tools to help you manage increased demand with confidence.

High-volume payment processing that supports growing businesses.
Smart automations reduce operational costs and human error.

We provide RESTful API options that let you embed payment workflows directly within CRMs, invoicing tools, and customer platforms. This enables automated transaction initiation, real-time status updates via webhooks, and consolidated reconciliation. This flexibility supports tailored payment solutions and streamlines operations.

Collect Payments - Grow your business confidently

Zai’s solutions are designed to support a wide range of Australian industries, including retail, SaaS, financial services, marketplaces, proptech, and more. Our configurable tools and scalable infrastructure give your business the flexibility to manage growth, handle higher transaction volumes, and tailor payment flows to your industry’s needs. Discover features and pricing options to fit your business as it expands.

Built for Australian Businesses

At Zai, we understand what matters to Aussie businesses. Our platform offers a comprehensive range of payment options to help you take payments your way and meet Australian regulatory requirements. With Zai, you can access PayTo and the New Payments Platform for instant account-to-account payments, BECS for direct debit, BPAY for bill payments, standard bank transfers, and all major card payments including Visa, Mastercard, and Amex.

We help you offer your customers their preferred payment methods, automate payment flows, and give you the flexibility to manage your business with confidence.

Collect Payments - Australian Businesses

Collect Online Payments with Full Control and Flexibility

Zai’s API-first infrastructure is more than just a payment collection tool. It’s designed to support sophisticated, multi-party payment workflows tailored to your business needs. Whether you are a finance manager focused on the bottom line, a developer integrating systems, or an operations team managing complex processes, Zai provides the tools necessary to move money with precision.

With Zai, you can:

Orchestrate custom payment flows by creating and automating complex logic for splitting and routing payments across multiple parties using composable APIs.

Automate the entire payment lifecycle, managing inbound payments, holding funds, and triggering disbursements automatically based on your rules and business logic.

Streamline reconciliation with virtual accounts by assigning unique PayIDs or account numbers to match payments in real time, reducing reconciliation overhead.

Support multiple payment methods through a single integration, including credit and debit cards, PayTo, BECS Direct Debit, BPAY, and bank transfers.

Frequently Asked Questions on Collecting Payments

What payment methods does Zai support?

Zai supports a variety of online payment methods, including credit and debit card payments (Visa, Mastercard, Amex), PayTo via the New Payments Platform (NPP), BECS Direct Debit, BPAY, and standard bank transfers. These options allow businesses to collect online payments and accept funds from a customer’s bank account using a single API. As a trusted payment service provider, Zai gives you the flexibility to offer your customers their preferred payment method while streamlining the entire payment collection process.

How does Zai handle reconciliation?

Zai simplifies reconciliation with virtual accounts and PayIDs, allowing you to match inbound payments in real time. Each incoming payment is matched in real time to the party and or transaction you linked the virtual account or PayID to, whether that’s an individual, a business, or a specific transaction or invoice, providing you with an automated and seamless reconciliation process.

What integration options are available?

You can accept payments online through Zai’s RESTful API, hosted forms, or iframe-based hosted fields. As a developer-friendly online payment gateway, Zai also offers CMS payment plugins for supported platforms, along with a sandbox environment, detailed API references, and comprehensive developer documentation at developer.hellozai.com.

Is Zai PCI DSS compliant?

Zai is a PCI DSS Level 1 payment processor. We offer tools like hosted payment forms and secure field-level iframes to help reduce your compliance burden. These options can keep your environment out of PCI scope (SAQ-A) while ensuring robust security for customer payment information and payment details across all online transactions.

How does Zai simplify complex payment flows?

Zai’s API-first platform is designed to handle multi-step workflows, such as splitting, holding, and disbursing funds to multiple parties. These workflows can be automated and triggered programmatically based on your business rules.

What industries use Zai for payment collection?

Zai is trusted by businesses in fintech, proptech, payroll, marketplaces, SaaS, and healthtech. These industries rely on Zai for scalable, flexible, and compliant payment infrastructure to accept payments, automate reconciliation, and manage payment processing at scale.

Can I use Zai to automate the full payment lifecycle?

Yes, Zai enables businesses to automate the entire payment lifecycle; from collection and holding to routing and disbursement, using API logic tailored to your operational needs.

Can Zai scale with my business as it grows?

Yes, Zai is built to support high-volume transactions and complex business models. You can orchestrate and scale payment flows, add new payment methods, and customise integrations as your business evolves.

Does Zai offer real-time payments?

Yes, Zai supports real-time one-off or recurring PayTo transactions and real-time bank transfers via the NPP. Additionally, you can implement real-time routing and settlement logic within your workflows.

How does Zai help reduce fraud and improve security?

Zai uses tokenisation for cardholder data, along with fraud monitoring tools, CVV verification, and compliance with global and Australian data security standards, including Level 1 Payment Card Industry Data Security Standard (PCI DSS) and ISO27001, the globally recognised standard for information security management systems.

Collect Payments with Confidence

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