Real Time Payments  —

Move money in seconds

Assembly is the first non-bank payments platform to pioneer instant money transfers over the New Payments Platform (NPP) in Australia, and allows your business to send and receive electronic cash payments within seconds, 24 hours a day, 7 days a week.

Fraud Defence
Superior experience —

Give customers a superior experience through fast, flexible payments

  • Send and receive money between over 90 Australian banks and financial institutions within seconds

  • Make payments 24 hours a day, 7 days a week, 365 days a year at night, over the weekend, and on public holidays

  • Send payments of any size with uncapped payout limits

  • Refund customers without being hindered by traditional delay times

  • Use data rich information including 280 characters and emoji's

In store Payments
Minimised overheads —

Reduce manual effort, errors, and costs through API automation

  • Automate your entire payment flow and avoid manual uploads

  • Ensure every payout goes through using smart routing redundancy

  • Reconcile every received payment individually, line by line

  • Auto return unmatched payments and reduce manual overhead

  • Complement your existing payments workflow without replacing it

Protect your business
Brand reputation—

Maintain uptime and brand reputation through proven, reliable technology

  • Disrupt your industry with pioneers of Australia's New Payments Platform (NPP)

  • Maintain stability and uptime using proven technology

  • Rely on bank grade security and processing volumes

  • Scale infinitely using Assembly's micro-services architecture

  • Trust Assembly's PCI DSS compliance, encryption and tokenisation

  • Put customers at ease by adhering to AFS License standards

Get to market fasterCalendar

How it works


Customer makes payment via their banking portal using a PayID

0 sec

Assembly accepts and processes funds


Funds are held with Assembly for use elsewhere

Funds are instantly transferred to your bank account


Payment is complete and Assembly triggers callback to notify you

6 sec

You keep your Assembly account topped up ready for payouts


You trigger a customer payout via API

0 sec

Assembly processes transaction and makes payment


Customer receives funds in their bank account


Payment is complete and Assembly triggers callback to notify you

6 sec


Reduce cart abandonment at checkout

Cost effective alternative to credit cards and direct debits

Faster payments mean less inbound customer support tickets

Unlimited transaction amounts ideal for high ticket purchases

Avoid batched scheduling and send in real time

Faster payouts mean less inbound customer support tickets

Remove human error with no need for manual ABA uploads

Ensure payouts always go through with DE failover capability

Move money in seconds

Learn how Assembly’s platform can support your value proposition, and provide a competitive edge in your market. Get in touch today.

Contact Sales