NPP Last Domestic Leg

Real-time domestic payout of international funds using NPP

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Zai enables the real-time domestic settlement of inbound international payments via Australia’s New Payments Platform (NPP), replacing BECS and RTGS processing for the final leg of cross-border payments. Funds can be delivered to Australian bank accounts 24/7 with faster settlement, richer payment data and improved customer experience.

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Who is this for?

Built for businesses moving international funds into Australia. 

Whether you’re sending payroll, supplier payments or customer payouts, Zai’s NPP Last Domestic Leg solution helps automate the final domestic settlement of international payments.

Zai’s NPP Last Domestic Leg solution is ideal for:

  • Remittance providers
  • Payments service providers
  • FinTechs
  • Global payroll providers
  • International businesses paying Australian employees
  • Businesses paying Australian suppliers
  • Cross-border payment platforms

 

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Why modernise your final domestic settlement?

Australia’s payments industry is moving away from legacy batch-based processing towards real-time, data-rich payment infrastructure. For inbound international payments, the NPP’s International Payments Service enables participating financial institutions to process the final domestic leg of a payment via the NPP, supporting near real-time settlement and richer payment information.

This represents a shift away from legacy Direct Entry processing, which is batch-based, business-hours-dependent and limited in the data it can carry.
Using ISO 20022 messaging, the NPP supports more complete originator and beneficiary data, helping improve payment transparency, straight-through processing, reconciliation and operational efficiency. This aligns with the industry’s broader move towards faster, more transparent cross-border payments and better-quality payment data.

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*Please note, some payment workflows may be set to automatic DE fallback in the event of a NPP failed transaction. Please discuss with your Zai partner about how this may influence your internal processes.

Benefits

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Faster settlement

Complete the final domestic leg of inbound international payments in real time via the New Payments Platform, helping reduce delays associated with legacy batch processing.

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Richer payment information

Carry richer payment information throughout the domestic leg of inbound international payments, helping improve payment transparency, financial crime controls and operational efficiency.

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Reduce operational overhead

Automated payment processing and richer payment data can work towards reducing manual investigations, payment exceptions and reconciliation effort.

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Designed for Australian payments

Built on Australia’s domestic payment infrastructure, Zai enables businesses to deliver faster domestic payouts while integrating seamless domestic settlement into international payment workflows.

*Please note, some payment workflows may be set to automatic DE fallback in the event of a NPP failed transaction. 

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Payment orchestration 

Unlike providers focused solely on payment acceptance, Zai specialises in complex payment orchestration.

With Zai you can:

  • Settle inbound international payments in real time

  • Deliver domestic payouts through the NPP

  • Retain structured payment information

  • Integrate through a single API

  • Automate payment workflows

  • Reduce reconciliation effort

  • Scale high-volume payment processing

Frequently Asked Questions on NPP Last Domestic Leg

What is an international Funds Transfer Instruction (IFTI)

In Australia, an International Funds Transfer Instruction (IFTI) refers to the instruction behind a cross-border transfer of money or property, rather than the payment itself. Where a reporting entity sends or receives that instruction, Australian AML/CTF obligations may require an IFTI report to be submitted to AUSTRAC. These reports include details about the transfer and the parties involved in sending and receiving the funds.

What is the International Payments Service (IPS)?

The International Payments Service (IPS) uses Australia’s New Payments Platform (NPP) to complete the domestic leg of eligible inbound international payments, enabling real-time settlement 24 hours a day, seven days a week.

Who uses Zai's NPP Last Domestic Leg solution? 

Zai’s NPP Last Domestic Leg solution is designed for remittance providers, fintechs, payment service providers and international businesses that need to distribute funds to Australian bank accounts quickly and efficiently.

Does Zai’s NPP Last Domestic Leg solution replace BECS?

Zai’s NPP Last Domestic Leg solution provides a modern alternative for eligible real-time domestic settlement using the NPP. Businesses that currently rely on BECS or RTGS for the final domestic leg of inbound international payments can benefit from faster settlement and richer payment data.

How quickly are payments settled?

Eligible inbound international payments can be settled in real time using Australia’s New Payments Platform (NPP). Unlike legacy batch processing, payments can be processed 24 hours a day, seven days a week, helping businesses deliver funds to Australian beneficiaries faster.

Can Zai’s NPP Last Domestic Leg solution integrate with my existing Zai payment workflows?

Yes. Zai’s NPP Last Domestic Leg solution is built on Zai’s API-first payments platform and can be incorporated into your existing Zai payment workflows. Businesses can use Zai’s APIs and webhooks to automate payment processing, receive payment status updates, and integrate real-time domestic settlement alongside other Zai payment capabilities.

Modernise your cross-border payment experience

Deliver real-time domestic settlement for inbound international payments through Australia’s New Payments Platform with Zai’s NPP Last Domestic Leg.

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Business Man, possibly remitter, very happy, behind computer