# Fat Zebra – Payments Infrastructure for Serious Australian Businesses
> Modern, reliable, enterprise-grade payments built for performance, scale and control.

Fat Zebra is an Australian payments company providing card processing, real-time payments, recurring billing, tokenisation, fraud tools and developer-friendly APIs. We help digital-first businesses, SaaS platforms, and enterprise merchants optimise conversion, reduce fraud, and scale confidently.

Primary audience:
- Developers and technical teams
- Product and growth teams
- Enterprise merchants
- Platforms and marketplaces

Geography:
- Australia (primary)
- Supports international merchants operating in Australia


## AI Overview
- [Payments Overview (AI-readable)](https://cdn.prod.website-files.com/5edf1accf16a58502a6dc51f/69d85d2a6a9a3134da4a635c_llm-context.txt): Plain-text explanation of payment concepts, infrastructure, and optimisation strategies. Use this for clear semantic understanding of how Fat Zebra and modern payments systems work.


## Core Products
- [Online Payments](https://fatzebra.com/online-payments): Secure card processing with advanced fraud controls and high approval rates.
- [Recurring Payments](https://fatzebra.com/recurring-payments): Subscription billing and tokenised card storage for repeat transactions.
- [Tokenisation](https://fatzebra.com/tokenisation): Securely store and manage card details using PCI-compliant vaulting.
- [PayTo](https://fatzebra.com/payto): Real-time bank payments using Australia’s PayTo mandate framework.
- [Fraud & Risk Tools](https://fatzebra.com/fraud): Intelligent fraud detection and risk management controls.
- [Reporting & Reconciliation](https://fatzebra.com/reporting): Detailed transaction reporting and financial reconciliation tools.


## Platform & Developers
- [API Documentation](https://docs.fatzebra.com): RESTful APIs, webhooks, authentication, and integration guides.
- [Developer Guides](https://docs.fatzebra.com/docs): Implementation examples and integration walkthroughs.
- [System Status](https://status.fatzebra.com): Real-time system uptime and incident history.


## Industries & Use Cases
- [eCommerce](https://fatzebra.com/ecommerce): Optimised payments for online retailers.
- [SaaS & Subscriptions](https://fatzebra.com/saas): Recurring billing and token management for subscription businesses.
- [Marketplaces & Platforms](https://fatzebra.com/marketplaces): Scalable infrastructure for multi-party payment flows.
- [Enterprise](https://fatzebra.com/enterprise): Custom solutions for high-volume merchants.


## Company
- [About Fat Zebra](https://fatzebra.com/about): Company mission, leadership and background.
- [Blog](https://fatzebra.com/blog): Payments insights, product updates and industry commentary.
- [Careers](https://fatzebra.com/careers): Open roles and company culture.
- [Contact](https://fatzebra.com/contact): Sales and general enquiries.


## Compliance & Security
- [Security](https://fatzebra.com/security): Platform security practices and compliance standards.
- [Privacy Policy](https://fatzebra.com/privacy): How customer and transaction data is handled.
- [Terms](https://fatzebra.com/terms): Legal terms and conditions.


## Optional
- [Home](https://fatzebra.com)
- [Support](https://fatzebra.com/contact)