Azupay realtime account-to-account payments offer a new experience for payers and businesses that is important to understand as you start your implementation. To ensure your users adopt, and have a great experience, choose our optimised UX Apps, which are highly configurable to suit your situation.

We recommend you understand which of our UX Apps best suits your use case, then determine the integration and data flows you need. However, if none of our UX Apps work for your use case you can build your own custom experiences on our suite of APIs.

UX Apps	Integration method	Key data flows
PayID Checkout	PaymentRequest API	Send to us how much you want to collect from your customer and brief description of the transaction Receive from us a PaymentRequestID, a virtual PayID and a PayID Checkout URL Other optional data fields can be used to meet your business processes. Our webhooks will provide real time status updates as your customer pays you.
1-Click Checkout	PaymentRequest API	Send to us how much you want to collect from your customer and brief description of the transaction Receive from us a PaymentRequestID, a virtual PayID and a 1-click Checkout URL Other optional data fields can be used to meet your business processes. Our webhooks will provide real time status updates as your customer pays you.
Subscription App - coming soon	CreateAgreement API PaymentInitiation API	Details coming soon...

Our Components

Apps

Our Apps present user interfaces encouraging adoption with easy user journeys, elegant unhappy path management and retries as we all build familiarity with the new real-time ways to pay.

APIs

Our APIs are most effectively used to invoke one of our Apps, saving you development costs as well as ensuring your customers benefit from leading research and market proven user journeys. If you prefer to maintain your own payment user experiences you can use events in our API responses and webhook updates to manage your own payment user experiences.

Configuration

A range of settings are configurable to fine tune details of the payment experience you need with every App and every API
Configurations can be set at onboarding, via a helpdesk ticket or some can be edited for each transaction using fields in the API.

Client Dashboard

We provide a Client Dashboard for you to control your account, view transactions and manage cash movements, amongst other things.

Connectivity

The best way to use Azupay products is to connect to our APIs with webhook notifications for realtime event driven payment processing; but for businesses running on existing payment processes and technology you may reduce your development requirements by choosing to exchange batch files via SFTP instead.

All of our payment processes offer file based alternatives for sending and receiving data.

Payment Rails

Azupay runs on Australia's NPP payment rails using PayID and PayTo to offer real time account to account payments, bank account aliases and digital payment agreements, allowing automated payment flows.

We see better end customer experiences and operational efficiency for our clients using real time account to account payments, but where payments are not able to be delivered via NPP, our systems can automatically route to Direct Entry to ensure complete coverage of your customers.