Real Time Payments Platform

Hi everyone, I am the founder of ShaBaas Pay. I built this after repeatedly seeing the same problem across businesses: payments were coming in, but the money was not actually available when it was needed. Card settlements took days, reconciliation was manual and cashflow visibility was poor. Australia already has real time bank infrastructure, but it is difficult for businesses and developers to access in a simple way. ShaBaas Pay makes real time bank payments easy to integrate through PayID, request to pay and API first checkout, with instant settlement and real time reporting. The goal is simple: help businesses move from delayed settlement cycles to real time cashflow operations. I would really value your feedback from a founder, developer or finance perspective. What would real time settlement change for your business?