Payments

Real-time payments via NPP, PayID, and BECS

Instant and batch payments across every Australian payment rail. Smart routing, automated reconciliation, and built-in sanctions screening for every transaction.

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Capabilities

What you can build

A comprehensive set of tools and APIs designed for modern financial product development.

NPP & PayID

Instant payments via the New Payments Platform with PayID resolution. Receive and send in under 15 seconds.

BECS Direct Entry

Bulk payment processing with BECS Direct Debit and Direct Credit. Same-day and next-day settlement options.

International Transfers

SWIFT and partner-network cross-border payments with competitive FX rates and transparent fee structures.

Scheduled Payments

Recurring, scheduled, and future-dated payments with automatic retry logic and failure handling.

Payment Orchestration

Intelligent routing across payment rails based on speed, cost, and availability. Automatic fallback logic.

Reconciliation Engine

Automated three-way reconciliation across wallets, external accounts, and settlement files.

Return Handling

Automated processing of returned payments, dishonours, and reversals with configurable retry strategies.

Sanctions Screening

Real-time screening against OFAC, EU, UN, and DFAT sanctions lists on every outbound payment.

Payment Analytics

Real-time dashboards with payment success rates, settlement tracking, and cost-per-transaction analysis.

Developer Experience

Developer-first by design

Clean, RESTful APIs with comprehensive documentation and sandbox environments. Build financial products with a developer experience you'll actually enjoy.

Bill Payment PlatformEnable customers to pay bills from their wallet using NPP, PayID, or BECS with scheduled and recurring options.
Marketplace PayoutsAutomate seller payouts with split payments, tax withholding, and multi-rail disbursement.
Payroll ProcessingBulk salary disbursements via BECS with scheduled payments, superannuation splitting, and ATO reporting.
Initiate a Payment
const payment = await kobble.payments.create({
  source_wallet: "wal_3nk9xp1z",
  destination: {
    type: "payid",
    value: "merchant@business.com.au"
  },
  amount: 2500_00,
  currency: "AUD",
  rail: "npp",
  reference: "INV-2024-0891",
  metadata: {
    invoice_id: "inv_k8m2n5",
    customer_id: "cus_7x9p3r"
  }
});
// payment.id => "pmt_9kx2n7p4"
// payment.status => "processing"
// payment.estimated_arrival => "2024-12-15T09:00:00Z"

Works great with

Combine modules for a complete solution.

WalletsCompliance

Ready to get started?

Book a demo to see how this module can power your financial product. Our team will walk you through the integration process.

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