Trusted by fintechs, proptech, marketplaces, edtech, healthtech, and payroll platforms, Zai delivers reliable solutions to streamline your payment operations and support your growth.
Power Your Platform with an Enterprise-Grade Payment API
Build seamless payment experiences that scale with your business. Zai’s flexible payments API helps you design and automate sophisticated payment flows.
Move beyond the limits of standard payment solutions. With Zai, you can automate pay-ins, manage payouts, and accept multiple payment methods through one integration to our powerful RESTful payments API. We handle the complexities of payment flows, so you can focus on growing your business.
Seamless integration with major debit and credit cards, including Visa, Mastercard and American Express, with secure tokenisation.
Instant account-to-account payments via the NPP, authorised in the customer’s bank app with real time confirmation.
Assign virtual accounts with optional PayID for quick transfers via PayID or NPP, with instant confirmation.
Accept BPAY and direct credit transfers into virtual accounts, with processing times based on the payer’s bank.
What is a Payment API?
A Payments Application Programming Interface (API) is a set of rules and tools that enable different software systems to communicate securely. In payments, an API allows your website or application to connect with a licensed payments platform to initiate, collect, move, or reconcile funds through authorised networks.
This connection enables you to:
- Accept online payments: Enable credit and debit cards, bank transfers, and real-time options like PayTo (where available) directly on your platform.
- Automate workflows: Trigger actions such as sending funds, splitting payments between multiple parties, and reconciling transactions automatically.
- Enhance the customer experience: Offer multiple payment methods and provide instant confirmation for a smooth, reliable checkout process.
Essentially, a payments API acts as the engine behind your platform’s financial transactions, giving you the flexibility to design payment flows that suit your business model.
Why Choose Zai's Payment Gateway API?
Partnering with Zai gives you access to a flexible payments infrastructure built to power your business as it grows.
A Single API Connection for Multiple Australian Payment Methods
Simplify your technical stack and reduce development time. A single integration connects you to a wide range of Australian payment methods, giving your customers the flexibility they expect.
- Real-time payments (NPP): Facilitate pay-ins and payouts via Australia’s real-time payments network, subject to bank participation and availability.
- PayTo (NPP): Set up secure, pre-authorised account-to-account agreements using the NPP.
- Cards: Accept Visa, Mastercard®, and American Express through our secure gateway.
- Direct Debit (BECS): Collect payments directly from Australian bank accounts on an agreed schedule.
- BPAY: Provide a familiar bill payment option supported by most Australian banks.
- Direct Credit payouts: Send funds to Australian bank accounts, including PayID where available.
- Balance accounts: Use dedicated accounts to hold, manage, and reconcile funds across users or transactions.
Security you can trust
Protect your business and your customers with security built into every layer of the platform.
- PCI DSS Level 1: Zai is certified as a PCI DSS Level 1 service provider. Card data is encrypted and tokenised within Zai’s secure environment, helping to reduce your PCI scope.
- Fraud controls and monitoring: Zai uses fraud scoring to assess card and account-to-account transactions based on behavioural signals, payment method, and customer history, with geolocation applicable to cards only.
- Webhook secruity: Receive real-time event updates through signed webhooks and follow best practices for secure delivery.
- Australian alignment: The platform is designed for Australian businesses and adheres to local payment and data security standards.
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.
Built for Developers, Supported by Experts
We provide the tools and support you need to bring your vision to life. From our comprehensive developer documentation and dedicated sandbox environment to our team of dedicated Australian-based account managers, we are here to help you succeed.
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.
Get started today
Designed specifically for Australian businesses that need more than standard solutions, Zai helps streamline operations, reduce manual effort, and give you full control over your payment infrastructure.
Contact Zai Sales to discover how our platform can support your unique payment needs, helping you move faster, work smarter, and operate with confidence.
Payment collection doesn’t have to be hard
Zai’s API-first platform simplifies the complexities of modern payments by providing the tools to build, automate, and scale sophisticated workflows across multiple payment rails.Designed specifically for Australian businesses that need more than standard solutions, Zai helps streamline operations, reduce manual effort, and give you full control over your payment infrastructure.
Contact Zai Sales to discover how our platform can support your unique payment needs, helping you move faster, work smarter, and operate with confidence.
Ready to Build a better Payment Experience?
Discover how Zai’s payment API can help you automate, innovate, and scale. Speak with one of our payment experts to design a solution tailored to your business.
