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Zai (zai)

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Full detail: Where this data comes from

Zai (hellozai.com, formerly Assembly Payments / Assembly) is an Australian payments and Payments-as-a-Service provider headquartered in Melbourne. It gives platforms, marketplaces and vertical software companies a programmable way to onboard users, hold funds in managed wallet accounts, collect pay-ins (card, direct debit, BPAY, PayID), and disburse multi-party pay-outs in a single transaction flow — layered with Australia's New Payments Platform rails via dedicated PayID and PayTo APIs.

APIs.json: https://raw.githubusercontent.com/api-evangelist/zai/refs/heads/main/apis.yml

Tags

  • Payments
  • Australia
  • Payment Gateway
  • Payment Processing
  • Marketplace Payments
  • Payments-as-a-Service
  • Real-Time Payments
  • Account-to-Account
  • Open Banking
  • PayTo
  • PayID
  • NPP

Timestamps

  • Created: 2026-07-24
  • Modified: 2026-07-24

APIs

Zai Assembly API

Core payments platform API — onboard users, manage wallet accounts, items, bank/card accounts, companies, fees, tokens, callbacks and batch transactions to collect pay-ins and disburse multi-party pay-outs. OpenAPI 3.0.0, version 2.3, 89 documented paths, OAuth2 client-credentials.

Zai Virtual Accounts and PayIDs API

Create and manage Virtual Accounts and PayIDs on the New Payments Platform (NPP) for real-time account-to-account pay-ins to uniquely addressable virtual accounts. OpenAPI 3.0.0, version 0.12-external, 8 paths.

Zai PayTo API

Create and manage PayTo agreements (mandated real-time debits) and initiate payments against them over the NPP. OpenAPI 3.0.1, version 1.4-external, 10 paths, bearer-token auth.

Zai Asynchronous API

Submit long-running operations and retrieve their results without blocking, complementing the synchronous Assembly API. OpenAPI 3.0.0, version 1.0.0, 3 paths.

Common Properties

Maintainers

FN: Kin Lane Email: kin@apievangelist.com

About

Zai (hellozai.com, formerly Assembly Payments / Assembly) is an Australian payments and Payments-as-a-Service provider headquartered in Melbourne. Zai gives platforms, marketplaces and vertical software companies a programmable way to onboard users, hold funds in managed wallet accounts, collect pay-ins (card, direct debit, BPAY, PayID), and…

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