Building a real time payments infrastructure to fix cashflow delays

Most businesses think payments are a checkout problem.

In reality, payments are a cashflow problem.

I have spent years working in banking and payments infrastructure in Australia, and one thing became very clear. Businesses are not struggling to accept payments. They are struggling with when the money actually arrives.

Two day settlement cycles.
Funds locked in transit.
Working capital tied up for no reason.

When interest rates rise, settlement timing suddenly becomes a financial risk, not just an operational inconvenience.

That insight led us to build ShaBaas Pay.

Instead of another payment app, we focused on infrastructure.

The goal was simple.

Enable businesses and platforms to accept bank payments and receive funds instantly.

Today ShaBaas Pay allows businesses to:

• Accept instant bank payments using PayID

• Send secure request to pay links

• Use hosted checkout and QR payments

• Integrate via APIs and webhooks

• Get real time settlement and reporting

The biggest shift we see from customers is not about convenience.

It is about control.

They know where their money is.
They do not wait days for payouts.
They can operate with tighter cash cycles.

We are currently focused on:

• Small and medium businesses

• SaaS platforms

• Marketplaces and service platforms

• Businesses that rely heavily on cashflow timing

If you are building a product in Australia and payment settlement delays affect your operations, I would love to understand your use case.

Also happy to share what we are learning about real time bank payments, PayID adoption and the shift away from card first models.

Website: https://www.shabaas.com