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OpenAPI Specification

openapi: 3.2.0
info:
  title: Zepto Payments Agreements API
  contact:
    email: support@zepto.com.au
  version: '1.0'
  description: 'Operations tagged Agreements across 2 of this provider''s published API definitions: zepto-payments-pay-to.yml, zepto-payments-zepto.yml. Each path carries the servers of the definition it was published in.'
servers:
- description: Zepto Sandbox
  url: https://api.sandbox.zeptopayments.com
- description: Zepto Production
  url: https://api.zeptopayments.com
security:
- bearerAuth: []
tags:
- name: Agreements
  description: Create and query agreements
paths:
  /payto/agreements:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      summary: create agreement
      tags:
      - Agreements
      parameters: []
      responses:
        '201':
          description: successful
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    $ref: '#/components/schemas/payto.agreement'
        '400':
          description: Bad Request
          content:
            application/json:
              examples:
                Generic validation error:
                  summary: Generic validation error
                  value:
                    errors:
                    - title: Validation Failed
                      detail: The value for `debtor.account_identifier.number` is not allowed
              schema:
                $ref: '#/components/schemas/payto.generic_errors'
        '422':
          description: Unprocessable Entity
          content:
            application/json:
              examples:
                Only zeroes account number:
                  summary: Only zeroes account number
                  value:
                    errors:
                    - code: ZPAGR14
                      title: Debtor branch code does not exist
                      detail: Debtor branch code does not exist
                    - code: ZPAGR12
                      title: Debtor account number only zeroes
                      detail: Debtor account number contains only zeroes
                cancel_if_unresolved given with no resolution_requested_before:
                  summary: cancel_if_unresolved given with no resolution_requested_before
                  value:
                    errors:
                    - code: ZPAGR17
                      title: Auto-Cancel Needs Resolution Date
                      detail: '''cancel_if_unresolved'' must be accompanied by ''resolution_requested_before'''
                Amount given for variable mandate:
                  summary: Amount given for variable mandate
                  value:
                    errors:
                    - code: ZPUNP00
                      title: One or more fields violate the relevant schema
                      detail: Amount must not be present on the agreement unless the payment type is 'fixed' or 'balloon'
                Validity start date in the past:
                  summary: Validity start date in the past
                  value:
                    errors:
                    - code: ZPAGR04
                      title: Past validity start date
                      detail: Validity start date must not be in the past
                Debtor's financial institution does not support PayTo:
                  summary: Debtor's financial institution does not support PayTo
                  value:
                    errors:
                    - code: ZPUNP01
                      title: Debtor's financial institution does not support PayTo
                      detail: Cannot create agreement with provided debtor account
                The given creditor account cannot accept funds via NPP:
                  summary: The given creditor account cannot accept funds via NPP
                  value:
                    errors:
                    - code: ZPUNP02
                      title: Invalid creditor account
                      detail: The given creditor account cannot accept funds via NPP
                Resolution requested before too far in the future:
                  summary: Resolution requested before too far in the future
                  value:
                    errors:
                    - code: ZPAGR02
                      title: Invalid resolution requested before
                      detail: Resolution requested before cannot be after 2022-01-06T14:53:23+11:00
                Mandate initiator missing ABN or ACN:
                  summary: Mandate initiator missing ABN or ACN
                  value:
                    errors:
                    - code: ZPAGR18
                      title: Initiator must include exactly one of ABN, ACN, or client_id
                      detail: You must provide exactly one of initiator ABN, ACN, or client_id
                Mandate initiator includes both ABN and ACN:
                  summary: Mandate initiator includes both ABN and ACN
                  value:
                    errors:
                    - code: ZPAGR18
                      title: Initiator must include exactly one of ABN, ACN, or client_id
                      detail: You must provide exactly one of initiator ABN, ACN, or client_id
                Too many mandates created for the given debtor within the last 24 hours:
                  summary: Too many mandates created for the given debtor within the last 24 hours
                  value:
                    errors:
                    - code: ZPAGR15
                      title: Mandate limit reached
                      detail: You have reached the maximum number of mandates you can create for a debtor per 24 hours
              schema:
                $ref: '#/components/schemas/payto.unprocessable_mandate_errors'
        '401':
          description: unauthorized
          content:
            application/json:
              examples:
                Unauthorised access token:
                  summary: Unauthorised access token
                  value:
                    errors:
                    - title: Unauthorised access token
                      detail: Access token is expired or not valid
                      links:
                        about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation
              schema:
                $ref: '#/components/schemas/payto.generic_errors'
        '403':
          description: forbidden
        '500':
          description: Internal Server Error
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/payto.agreement_request'
      callbacks:
        payto_agreement.activated:
          DESTINATION_WEBHOOK_URL:
            post:
              summary: payto_agreement.activated
              requestBody:
                required: true
                content:
                  application/json:
                    schema:
                      $ref: '#/components/schemas/payto.webhook.payto_agreement.activated'
              responses:
                '200':
                  description: OK
        payto_agreement.declined:
          DESTINATION_WEBHOOK_URL:
            post:
              summary: payto_agreement.declined
              requestBody:
                required: true
                content:
                  application/json:
                    schema:
                      $ref: '#/components/schemas/payto.webhook.payto_agreement.declined'
              responses:
                '200':
                  description: OK
        payto_agreement.expired:
          DESTINATION_WEBHOOK_URL:
            post:
              summary: payto_agreement.expired
              requestBody:
                required: true
                content:
                  application/json:
                    schema:
                      $ref: '#/components/schemas/payto.webhook.payto_agreement.expired'
              responses:
                '200':
                  description: OK
        payto_agreement.failed:
          DESTINATION_WEBHOOK_URL:
            post:
              summary: payto_agreement.failed
              requestBody:
                required: true
                content:
                  application/json:
                    schema:
                      $ref: '#/components/schemas/payto.webhook.payto_agreement.failed'
              responses:
                '200':
                  description: OK
    get:
      summary: list agreements
      parameters:
      - name: per_page
        description: Number of results per page
        in: query
        schema:
          type: integer
          default: 20
          minimum: 1
          maximum: 100
      - name: starting_after
        description: Opaque pagination cursor value. Set by following "next" links.
        in: query
        schema:
          type: string
      - name: state
        description: Filter agreements by state. Multiple values can be separated by commas.
        in: query
        explode: false
        schema:
          type: array
          items:
            enum:
            - pending
            - created
            - active
            - suspended
            - cancelled
            - declined
            - failed
            - expired
      - name: initiator_name
        description: Filter agreements by initiator name. The filtering is case sensitive and must be an exact match.
        example: Jane's Flowers
        in: query
        explode: false
        schema:
          type: string
      - name: min_created_date
        description: Filter by minimum created_at date. ISO8601 format.
        example: '2022-01-01'
        in: query
        schema:
          type: string
          format: date
      - name: max_created_date
        description: Filter by maximum created_at date. ISO8601 format.
        example: '2022-01-31'
        in: query
        schema:
          type: string
          format: date
      tags:
      - Agreements
      responses:
        '422':
          description: Unprocessable Entity
          content:
            application/json:
              examples:
                Non integer per_page:
                  summary: Non integer per_page
                  value:
                    errors:
                    - code: ZPPGN00
                      title: One or more paramaters are invalid
                      detail: The `per_page` param is not valid.
                No record with ID matching starting_after param:
                  summary: No record with ID matching starting_after param
                  value:
                    errors:
                    - code: ZPPGN00
                      title: One or more paramaters are invalid
                      detail: Could not find a record for the given `starting_after` param.
              schema:
                $ref: '#/components/schemas/payto.unprocessable_pagination_errors'
        '200':
          description: successful
          content:
            application/json:
              examples:
                Successful request:
                  summary: Successful request
                  value:
                    links: {}
                    data: []
              schema:
                type: object
                properties:
                  links:
                    $ref: '#/components/schemas/payto.pagination_links'
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/payto.agreement'
    servers:
    - description: Zepto Sandbox
      url: https://api.sandbox.zeptopayments.com
    - description: Zepto Production
      url: https://api.zeptopayments.com
  /payto/agreements/{agreement_uid}:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    - name: agreement_uid
      in: path
      schema:
        type: string
        pattern: ^[A-Za-z0-9_~.-]{1,64}$
        description: A supplied unique ID
        example: Agreement_00012345
      required: true
    get:
      summary: show agreement
      tags:
      - Agreements
      responses:
        '200':
          description: successful
          content:
            application/json:
              examples:
                Successful request:
                  summary: Successful request
                  value:
                    data:
                      uid: biz_agreement_000123
                      state_reason: null
                      state: active
                      mms_agreement_id: 3d2dc5bc031b1db680f3491697703a6f
                      created_at: '2022-02-02T12:01:01+11:00'
                      purpose: tax
                      resolution_requested_before: null
                      cancel_if_unresolved: false
                      payment_terms:
                        type: usage_based
                        frequency: monthly
                        count: null
                        max_amount: 8999
                        amount: null
                        first_payment_amount: null
                        last_payment_amount: null
                        first_payment_date: null
                        last_payment_date: null
                      debtor:
                        party_name: Janiel Smith
                        ultimate_party_name: Janiel Smith
                        account_identifier:
                          type: bban
                          value: 123456-456789
                      creditor: null
                      initiator:
                        name: Jane's Flowers
                        legal_name: Blossoming Flowers Pty Ltd
                        abn: '56192755287'
                        acn: null
                      description: Tax payment
                      validity_start_date: '2023-01-01'
                      validity_end_date: '2023-12-31'
                      state_caused_by: debtor
                      metadata:
                        custom_key: custom_value
                      links:
                        self: https://api.zeptopayments.com/payto/agreements/biz_agreement_000123
              schema:
                type: object
                required:
                - data
                properties:
                  data:
                    $ref: '#/components/schemas/payto.agreement'
        '401':
          description: unauthorized
          content:
            application/json:
              examples:
                Unauthorised access token:
                  summary: Unauthorised access token
                  value:
                    errors:
                    - title: Unauthorised access token
                      detail: Access token is expired or not valid
                      links:
                        about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation
              schema:
                $ref: '#/components/schemas/payto.generic_errors'
        '403':
          description: forbidden
        '404':
          description: Not Found
        '500':
          description: Internal Server Error
    servers:
    - description: Zepto Sandbox
      url: https://api.sandbox.zeptopayments.com
    - description: Zepto Production
      url: https://api.zeptopayments.com
  /payto/agreements/{agreement_uid}/history:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    - name: agreement_uid
      in: path
      schema:
        type: string
        pattern: ^[A-Za-z0-9_~.-]{1,64}$
        description: A supplied unique ID
        example: Agreement_00012345
      required: true
    get:
      summary: list agreement history
      tags:
      - Agreements
      parameters:
      - name: per_page
        description: Number of results per page
        in: query
        schema:
          type: integer
          default: 20
          minimum: 1
          maximum: 100
      - name: starting_after
        description: Opaque pagination cursor value. Set by following "next" links.
        in: query
        schema:
          type: string
      responses:
        '422':
          description: Unprocessable Entity
          content:
            application/json:
              examples:
                Non integer per_page:
                  summary: Non integer per_page
                  value:
                    errors:
                    - code: ZPPGN00
                      title: One or more paramaters are invalid
                      detail: The `per_page` param is not valid.
                No record with ID matching starting_after param:
                  summary: No record with ID matching starting_after param
                  value:
                    errors:
                    - code: ZPPGN00
                      title: One or more paramaters are invalid
                      detail: Could not find a record for the given `starting_after` param.
              schema:
                $ref: '#/components/schemas/payto.unprocessable_pagination_errors'
        '200':
          description: successful
          content:
            application/json:
              examples:
                Successful request:
                  summary: Successful request
                  value:
                    links:
                      next: /payto/agreements/biz_agreement_000123/history?per_page=20&starting_after=aaaaaaaa-0000-0000-0000-00000000000e
                    data:
                    - id: aaaaaaaa-0000-0000-0000-00000000002a
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:35:00.000Z'
                      resource_type: payto_agreement
                      body:
                        failure:
                          code: UKNWN
                          title: Unknown Error
                          detail: An unexpected error occured. Reach out to Zepto for more information
                      type: payto_agreement.suspension_failed
                    - id: aaaaaaaa-0000-0000-0000-000000000029
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:33:00.000Z'
                      resource_type: payto_agreement
                      body:
                        reason:
                          code: AC06
                          title: Blocked Account
                          detail: The Payer Customer Account is blocked
                        caused_by: debtor
                      type: payto_agreement.suspended
                    - id: aaaaaaaa-0000-0000-0000-000000000028
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:31:00.000Z'
                      resource_type: payto_agreement
                      body:
                        failure:
                          code: UKNWN
                          title: Unknown Error
                          detail: An unexpected error occured. Reach out to Zepto for more information
                      type: payto_agreement.reactivation_failed
                    - id: aaaaaaaa-0000-0000-0000-000000000027
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:29:00.000Z'
                      resource_type: payto_agreement
                      body:
                        caused_by: debtor
                      type: payto_agreement.reactivated
                    - id: aaaaaaaa-0000-0000-0000-000000000026
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:27:00.000Z'
                      resource_type: payto_agreement
                      body:
                        failure:
                          code: UKNWN
                          title: Unknown Error
                          detail: An unexpected error occured. Reach out to Zepto for more information
                      type: payto_agreement.failed
                    - id: aaaaaaaa-0000-0000-0000-000000000025
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:25:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.expired
                    - id: aaaaaaaa-0000-0000-0000-000000000024
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:23:00.000Z'
                      resource_type: payto_agreement
                      body:
                        reason:
                          code: AC02
                          title: Invalid Debtor Account
                          detail: The Payer Customer Account does not exist within NPP
                        caused_by: debtor
                      type: payto_agreement.declined
                    - id: aaaaaaaa-0000-0000-0000-000000000023
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:21:00.000Z'
                      resource_type: payto_agreement
                      body:
                        reason:
                          code: AC05
                          title: Closed Debtor Account
                          detail: The Payer Customer account is closed
                        caused_by: debtor
                      type: payto_agreement.cancelled
                    - id: aaaaaaaa-0000-0000-0000-000000000022
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:19:00.000Z'
                      resource_type: payto_agreement
                      body:
                        failure:
                          code: UKNWN
                          title: Unknown Error
                          detail: An unexpected error occured. Reach out to Zepto for more information
                      type: payto_agreement.cancellation_failed
                    - id: aaaaaaaa-0000-0000-0000-000000000021
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:17:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.amendment_recalled
                    - id: aaaaaaaa-0000-0000-0000-000000000020
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:15:00.000Z'
                      resource_type: payto_agreement
                      body:
                        failure:
                          code: UKNWN
                          title: Unknown Error
                          detail: An unexpected error occured. Reach out to Zepto for more information
                      type: payto_agreement.amendment_recall_failed
                    - id: aaaaaaaa-0000-0000-0000-00000000001f
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:13:00.000Z'
                      resource_type: payto_agreement
                      body:
                        failure:
                          code: UKNWN
                          title: Unknown Error
                          detail: An unexpected error occured. Reach out to Zepto for more information
                      type: payto_agreement.amendment_failed
                    - id: aaaaaaaa-0000-0000-0000-00000000001e
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:11:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.amendment_expired
                    - id: aaaaaaaa-0000-0000-0000-00000000001d
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:09:00.000Z'
                      resource_type: payto_agreement
                      body:
                        caused_by: debtor
                      type: payto_agreement.amendment_declined
                    - id: aaaaaaaa-0000-0000-0000-00000000001c
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:07:00.000Z'
                      resource_type: payto_agreement
                      body:
                        changes:
                          description: new description
                        caused_by: initiator
                      type: payto_agreement.amended
                    - id: aaaaaaaa-0000-0000-0000-00000000001b
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:05:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.activated
                    - id: aaaaaaaa-0000-0000-0000-000000000010
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:03:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.activated
                    - id: aaaaaaaa-0000-0000-0000-00000000000f
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:03:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.activated
                    - id: aaaaaaaa-0000-0000-0000-000000000008
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:03:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.activated
                    - id: aaaaaaaa-0000-0000-0000-00000000000e
                      resource_uid: biz_agreement_000123
                      published_at: '2022-01-01T02:03:00.000Z'
                      resource_type: payto_agreement
                      body: null
                      type: payto_agreement.activated
              schema:
                type: object
                properties:
                  links:
                    $ref: '#/components/schemas/payto.pagination_links'
                  data:
                    type: array
                    items:
                      type: object
                      anyOf:
                      - $ref: '#/components/schemas/payto.event.payto_agreement.activated'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.amended'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.amendment_declined'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.amendment_expired'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.amendment_failed'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.amendment_recall_failed'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.amendment_recalled'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.cancellation_failed'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.cancelled'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.declined'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.expired'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.failed'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.reactivated'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.reactivation_failed'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.suspended'
                      - $ref: '#/components/schemas/payto.event.payto_agreement.suspension_failed'
        '401':
          description: unauthorized
          content:
            application/json:
              examples:
                Unauthorised access token:
                  summary: Unauthorised access token
                  value:
                    errors:
                    - title: Unauthorised access token
                      detail: Access token is expired or not valid
                      links:
                        about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation
              schema:
                $ref: '#/components/schemas/payto.generic_errors'
        '403':
          description: forbidden
        '404':
          description: Not Found
        '500':
          description: Internal Server Error
    servers:
    - description: Zepto Sandbox
      url: https://api.sandbox.zeptopayments.com
    - description: Zepto Production
      url: https://api.zeptopayments.com
  /agreements/outgoing:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    get:
      tags:
      - Agreements
      summary: List Agreements
      description: By default, all outgoing Agreements will be returned. You can apply filters to your query to customise the returned Agreements.
      operationId: ListOutgoingAgreements
      parameters:
      - name: page
        in: query
        description: Page of results to return, single value, exact match
        style: form
        schema:
          type: string
        example: '1'
      - name: per_page
        in: query
        description: Number of results per page, single value, exact match
        style: form
        schema:
          type: string
        example: '100'
      - name: authoriser_id
        in: query
        description: Authoriser ID (`Contact.data.account.id`), single value, exact match
        style: form
        schema:
          type: string
        example: 2c4dec90-8a4c-4685-b620-bd1d7ca05a60
      - name: contact_id
        in: query
        description: Contact ID (`Contact.data.id`), single value, exact match
        style: form
        schema:
          type: string
        example: e5edc264-1771-4809-9cf5-b40baaee15f7
      - name: status
        in: query
        description: Exact match
        style: form
        explode: false
        schema:
          type: array
          items:
            type: string
          enum:
          - proposed
          - accepted
          - declined
          - cancelled
        example:
        - proposed
      responses:
        '200':
          description: OK
          headers:
            Link:
              $ref: '#/components/headers/Link'
            Per-Page:
              $ref: '#/components/headers/Per-Page'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ListOutgoingAgreementsResponse'
    servers:
    - url: https://api.sandbox.zeptopayments.com
      description: Sandbox API server
    - url: https://api.zeptopayments.com
      description: Production API server
  /agreements/{agreement_ref}:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    get:
      tags:
      - Agreements
      summary: Get an Agreement
      description: Get a single Agreement by its reference
      operationId: GetAgreement
      parameters:
      - name: agreement_ref
        in: path
        description: Single value, exact match
        required: true
        style: simple
        schema:
          type: string
          pattern: ^[ -~]+$
        example: A.2
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetAgreementResponse'
    delete:
      tags:
      - Agreements
      summary: Cancel an Agreement
      description: An Agreement can be cancelled by the initiator at any time whilst the authoriser (Agreement recipient) can only cancel a previously accepted Agreement.
      operationId: CancelAgreement
      parameters:
      - name: agreement_ref
        in: path
        description: Single value, exact match.
        required: true
        style: simple
        schema:
          type: string
          pattern: ^[ -~]+$
        example: A.2
      responses:
        '204':
          description: No Content
    servers:
    - url: https://api.sandbox.zeptopayments.com
      description: Sandbox API server
    - url: https://api.zeptopayments.com
      description: Production API server
components:
  schemas:


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# Full source: https://raw.githubusercontent.com/api-evangelist/zepto-payments/refs/heads/main/openapi/zepto-payments-agreements-api-openapi.yml