Fintechs

Embed Real-Time Domestic Collections Directly into Your Platform, Without the Infrastructure Build

The Challenge for Fintech Platforms

AUD capability shouldn't require an Australian banking operation.

Fintech platforms operating AUD corridors from outside Australia must either absorb the cost of building local banking infrastructure or route through correspondent arrangements that reintroduce batch delays, manual reconciliation, and margin-eroding FX spreads. Neither option scales.

The Flash Payments Solution

Flash Payments provides fintech platforms with direct access to Australian payment infrastructure, including NPP real-time collections, PayID, virtual account creation, and automated reconciliation, all under a single BSB, without the need to establish your own local banking relationships. Platforms can launch immediately via Flash Connect's managed UI, then scale seamlessly to the full GraphQL API when deeper programmatic control is required.

Capabilities Delivered

• Flash Connect (No-Code Launch Interface): Enables platforms to begin processing payments immediately via a managed UI, removing the API development dependency from the critical path to launch
• Transactional Virtual Accounts (VANs) with Custom BSB: Each end-user or sub-client receives a fully addressable virtual account number under Flash's proprietary BSB range, enabling automated, per-client reconciliation of inbound domestic collections
• NPP and Direct Entry (Unified Local Rails): Real-time inbound collections via NPP and batch settlement via Direct Entry run through a single integration, giving the platform 24/7 collection capability with instant funds availability on NPP-originated payments
• Full GraphQL API with Sub-Client Architecture: The platform's full API integration supports programmatic creation and management of sub-client accounts, webhook-driven payment notifications, and configurable remitter names, enabling a white-label embedded finance experience at scale

Business Impact

Fintech platforms partnering with Flash have compressed time-to-first-revenue from an estimated 9–12 months to under 8 weeks by launching via Flash Connect. After migrating to the full API, VAN-based reconciliation eliminated manual payment matching across high-volume collection flows, and real-time NPP settlement replaced T+2 delays, materially improving the platform's working capital position.