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OpenAPI Specification

openapi: 3.2.0
info:
  title: Zepto Investigations Disputes (Beta) API
  version: '20260101'
  description: Documentation for the Zepto Investigations API.
  termsOfService: https://www.zepto.com.au/terms-of-service/
  contact:
    email: support@zepto.com.au
servers:
- description: Zepto Sandbox
  url: https://api.sandbox.zeptopayments.com
- description: Zepto Production
  url: https://api.zeptopayments.com
security:
- bearerAuth: []
tags:
- name: Disputes (Beta)
  description: The Zepto Disputes API is for managing disputes. Access to this API is limited. Please contact Zepto for more information.
paths:
  /investigations/action_requests/{action_request_id}/accept:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      summary: accept dispute
      tags:
      - Disputes (Beta)
      parameters:
      - name: action_request_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
          example: 019708f5-1e6a-28ca-0306-fa0af0104ce4
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                required:
                - data
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  data:
                    $ref: '#/components/schemas/investigations.dispute'
        '404':
          description: Not Found
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                type: object
                required:
                - errors
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  errors:
                    type: array
                    items:
                      type: object
                      required:
                      - title
                      - detail
                      properties:
                        title:
                          type: string
                          description: A short, human-readable summary of the problem
                        detail:
                          type: string
                          description: A human-readable explanation specific to this occurrence of the problem
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/investigations.action_request.accept_request'
  /investigations/action_requests/{action_request_id}/reject:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      summary: reject dispute
      tags:
      - Disputes (Beta)
      parameters:
      - name: action_request_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
          example: 019708f5-1e6a-28ca-0306-fa0af0104ce4
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                required:
                - data
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  data:
                    $ref: '#/components/schemas/investigations.dispute'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                type: object
                required:
                - errors
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  errors:
                    type: array
                    items:
                      type: object
                      required:
                      - title
                      - detail
                      properties:
                        title:
                          type: string
                          description: A short, human-readable summary of the problem
                        detail:
                          type: string
                          description: A human-readable explanation specific to this occurrence of the problem
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/investigations.action_request.reject_request'
  /investigations/action_requests/{action_request_id}/upload:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      summary: upload evidence
      tags:
      - Disputes (Beta)
      parameters:
      - name: action_request_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
          example: 019708f5-1e6a-28ca-0306-fa0af0104ce4
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                required:
                - data
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  data:
                    $ref: '#/components/schemas/investigations.upload'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                type: object
                required:
                - errors
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  errors:
                    type: array
                    items:
                      type: object
                      required:
                      - title
                      - detail
                      properties:
                        title:
                          type: string
                          description: A short, human-readable summary of the problem
                        detail:
                          type: string
                          description: A human-readable explanation specific to this occurrence of the problem
      requestBody:
        content:
          multipart/form-data:
            schema:
              type: string
              format: binary
              example: example.pdf
        required: true
        description: The file to upload. Must be PDF format.
  /investigations/disputes:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    get:
      summary: list disputes
      tags:
      - Disputes (Beta)
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: array
                    items:
                      $ref: '#/components/schemas/investigations.dispute'
  /investigations/disputes/{dispute_id}:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    get:
      summary: show dispute
      tags:
      - Disputes (Beta)
      parameters:
      - name: dispute_id
        in: path
        required: true
        schema:
          type: string
          format: uuid
          example: 0196fb12-c12f-c223-ae0c-9781ee6ce044
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                required:
                - data
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  data:
                    $ref: '#/components/schemas/investigations.dispute'
        '404':
          description: Not Found
  /investigations/simulate_incoming_message:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      summary: simulate incoming message (sandbox only)
      tags:
      - Disputes (Beta)
      description: Simulate an incoming dispute message in sandbox environment
      parameters: []
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                required:
                - data
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  data:
                    $ref: '#/components/schemas/investigations.incoming_message_simulation'
        '400':
          description: Bad Request
          content:
            application/json:
              schema:
                type: object
                required:
                - errors
                - jsonapi
                properties:
                  jsonapi:
                    type: object
                    required:
                    - version
                    properties:
                      version:
                        type: string
                        enum:
                        - '1.0'
                        example: '1.0'
                  errors:
                    type: array
                    items:
                      type: object
                      required:
                      - title
                      - detail
                      properties:
                        title:
                          type: string
                          description: A short, human-readable summary of the problem
                        detail:
                          type: string
                          description: A human-readable explanation specific to this occurrence of the problem
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/investigations.simulate_incoming_message_request'
webhooks:
  investigations.action_requested:
    post:
      summary: Investigation Action Requested
      description: This webhook is triggered when an action is requested for an investigation.
      tags:
      - Disputes (Beta)
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/investigations.event'
      responses:
        '200':
          description: Successfully received webhook.
  investigations.message_received:
    post:
      summary: Investigation Message Received
      description: This webhook is triggered when a new message relating to an investigation is received.
      tags:
      - Disputes (Beta)
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/investigations.message'
      responses:
        '200':
          description: Successfully received webhook.
  investigations.message_sent:
    post:
      summary: Investigation Message Sent
      description: This webhook is triggered when a new message relating to an investigation is sent.
      tags:
      - Disputes (Beta)
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/investigations.message'
      responses:
        '200':
          description: Successfully received webhook.
components:
  schemas:
    investigations.action_request.accept_request:
      type: object
      required:
      - amount_returned
      - return_transaction_identification
      additionalProperties: false
      properties:
        amount_returned:
          type: object
          required:
          - currency
          - value
          additionalProperties: false
          properties:
            currency:
              type: string
              description: The currency of the amount returned.
              enum:
              - AUD
              example: AUD
            value:
              type: integer
              description: The value of the amount returned in cents.
              example: 100
        return_transaction_identification:
          type: string
          description: The unique identifier for the return transaction.
          example: lbkmya1jg83uqr9d1ytogr6wpwdzz9bjwgs
    investigations.simulate_incoming_message_request:
      discriminator:
        propertyName: simulate_action_request
        mapping:
          'true': '#/components/schemas/investigations.simulate_incoming_message_request_with_action_request'
          'false': '#/components/schemas/investigations.simulate_incoming_message_request_without_action_request'
      oneOf:
      - $ref: '#/components/schemas/investigations.simulate_incoming_message_request_with_action_request'
      - $ref: '#/components/schemas/investigations.simulate_incoming_message_request_without_action_request'
    investigations.simulate_incoming_message_request_without_action_request:
      type: object
      required:
      - simulate_action_request
      - investigation_type_code
      - investigation_reason_code
      - original_transaction_identification
      - narrative
      additionalProperties: false
      properties:
        simulate_action_request:
          type: boolean
          description: Flag to trigger the `action_requested` webhook. When enabled, `investigation_type_code` must be `INV13` or `INV14`.
          example: true
        investigation_type_code:
          type: string
          description: The type of investigation to be simulated.
          enum:
          - INV1
          - INV2
          - INV3
          - INV4
          - INV5
          - INV6
          - INV7
          - INV8
          - INV9
          - INV10
          - INV11
          - INV12
          - INV13
          - INV14
          - INV15
          - INV16
          - INV17
          - INV18
          example: INV13
        investigation_reason_code:
          type: string
          description: The reason code for the investigation (eg from the [ISO20022 ExternalReturnReason1Code set](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets)).
          example: CUST
        original_transaction_identification:
          type: string
          description: The original transaction identification related to the investigation. It must relate to a PayTo payment submission for a mandate owned by the merchant.
          example: 0196fb4e-3611-8c42-fffc-7f6852dddbc4
        narrative:
          type: string
          description: The narrative for the investigation (freeform text, slash-delimited). It is omitted from the `message_received` webhook but is included in `action_requested` webhook.
          example: /SomeKey1/SomeValue1//SomeKey2/SomeValue2/
    investigations.event:
      type: object
      additionalProperties: false
      required:
      - id
      - type
      properties:
        id:
          type: string
          description: The unique identifier for the event
          format: uuid
          example: 0196f9a7-1aca-54a5-ba76-722e8e70deda
        type:
          type: string
          enum:
          - events
          description: The type of the resource
        attributes:
          type: object
          required:
          - at
          - title
          - detail
          properties:
            at:
              type: string
              format: date-time
              description: The date and time when the event occurred
              example: '2025-05-23T14:30:00Z'
            title:
              type: string
              description: The title of the event
              enum:
              - OFI raised dispute
              - Merchant accepted dispute
              - Merchant action requested
              - Merchant rejected dispute
            detail:
              type: string
              description: The detailed description of the event
              enum:
              - Payer's bank raised a dispute
              - Merchant acknowledged dispute was founded and has returned funds
              - Zepto requested merchant to take action
              - Merchant rejected dispute with evidence
    investigations.message:
      type: object
      additionalProperties: false
      required:
      - id
      - type
      properties:
        id:
          type: string
          description: The unique identifier for the event
          format: uuid
          example: 0196f9a7-1aca-54a5-ba76-722e8e70deda
        type:
          type: string
          enum:
          - messages
          description: The type of the resource
        attributes:
          type: object
          required:
          - camt_message
          - direction
          properties:
            camt_message:
              type: object
              summary: The CAMT.035 message data.
            direction:
              type: string
              enum:
              - incoming
              - outgoing
              description: The direction of the message ('incoming' or 'outgoing').
        meta:
          type: object
          properties:
            codes:
              type: object
              summary: A map of relevant codes to their meanings.
              description: The keys of this object are the codes themselves and the values are strings representing their meanings.
    investigations.action_request.reject_request:
      type: object
      required:
      - reason
      additionalProperties: false
      properties:
        reason:
          type: object
          required:
          - code
          - description
          additionalProperties: false
          properties:
            code:
              type: string
              description: The reason code for rejecting the request. It should be a valid value from the [ISO20022 ExternalRejectedReason1Code set](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets).
              enum:
              - ADEA
              - BDAY
              - CTRC
              - DPRG
              - INDT
              - MISM
              - NAUT
              - NINS
              - NOAC
              - TERM
              - ASBR
              - AB15
              - AB26
              - AB12
              - DT07
              - AB13
              - AB21
              - ISWS
              - MISN
              - NOFR
              - RC14
              - RC16
              - RC15
              - RC13
              - SBRN
              example: NAUT
            description:
              type: string
              description: A description of the reason for rejection.
              example: Item was delivered (see uploaded evidence)
    investigations.simulate_incoming_message_request_with_action_request:
      type: object
      required:
      - simulate_action_request
      - investigation_type_code
      - investigation_reason_code
      - original_transaction_identification
      - narrative
      additionalProperties: false
      properties:
        simulate_action_request:
          type: boolean
          description: Flag to trigger the `action_requested` webhook. When enabled, `investigation_type_code` must be `INV13` or `INV14`.
          example: true
        investigation_type_code:
          type: string
          description: The type of investigation to be simulated.
          enum:
          - INV13
          - INV14
          example: INV13
        investigation_reason_code:
          type: string
          description: The reason code for the investigation (eg from the [ISO20022 ExternalReturnReason1Code set](https://www.iso20022.org/catalogue-messages/additional-content-messages/external-code-sets)).
          example: CUST
        original_transaction_identification:
          type: string
          description: The original transaction identification related to the investigation. It must relate to a PayTo payment submission for a mandate owned by the merchant.
          example: 0196fb4e-3611-8c42-fffc-7f6852dddbc4
        narrative:
          type: string
          description: The narrative for the investigation (freeform text, slash-delimited). It is omitted from the `message_received` webhook but is included in `action_requested` webhook.
          example: /SomeKey1/SomeValue1//SomeKey2/SomeValue2/
    investigations.incoming_message_simulation:
      type: object
      properties:
        id:
          type: string
          format: uuid
          enum:
          - 00000000-0000-0000-0000-000000000000
          example: 00000000-0000-0000-0000-000000000000
        type:
          type: string
          enum:
          - incoming_message_simulations
          example: incoming_message_simulations
    investigations.upload:
      type: object
      additionalProperties: false
      required:
      - id
      - type
      properties:
        id:
          type: string
          description: The unique identifier for the upload
          format: uuid
          example: 0196f9a7-3465-ae88-7cc8-6fabacb573bc
        type:
          type: string
          enum:
          - uploads
          description: The type of the resource
        attributes:
          type: object
          required:
          - urn
          properties:
            urn:
              type: string
              description: The URN of the upload
              example: urn:example:0196f9a7-3465-ae88-7cc8-6fabacb573bc
        relationships:
          type: object
          required:
          - dispute
          properties:
            dispute:
              type: object
              properties:
                data:
                  $ref: '#/components/schemas/investigations.dispute'
    investigations.dispute:
      type: object
      additionalProperties: false
      required:
      - id
      - type
      properties:
        id:
          type: string
          description: The unique identifier for the dispute
          format: uuid
          example: 0196f9a6-c8ba-9b54-2913-5e0a8d42dd40
        type:
          type: string
          enum:
          - disputes
        attributes:
          type: object
          required:
          - raised_at
          - state
          properties:
            raised_at:
              type: string
              format: date-time
              description: The date and time when the dispute was raised
              example: '2025-05-23T12:00:00Z'
            state:
              type: string
              description: The current state of the dispute
              enum:
              - open
              - awaiting_merchant
              - closed
              example: open
        links:
          type: object
          required:
          - self
          properties:
            self:
              type: string
              format: uri
              description: The URL to access the dispute
              example: /investigations/disputes/0196f9a6-c8ba-9b54-2913-5e0a8d42dd40
        relationships:
          type: object
          required:
          - events
          - uploads
          properties:
            events:
              type: object
              properties:
                data:
                  type: array
                  items:
                    $ref: '#/components/schemas/investigations.event'
                meta:
                  type: object
                  properties:
                    included:
                      type: boolean
                      description: Indicates if the events are included in the response
                      example: false
            uploads:
              type: object
              properties:
                data:
                  type: array
                  items:
                    $ref: '#/components/schemas/investigations.upload'
                meta:
                  type: object
                  properties:
                    included:
                      type: boolean
                      description: Indicates if the uploads are included in the response
                      example: false
  parameters:
    ZeptoAPIVersion:
      name: Zepto-API-Version
      in: header
      required: false
      schema:
        type: string
        pattern: ^\d{8}$
        default: '20250101'
        example: '20260101'
      description: API version in YYYYMMDD format. Defaults to 20250101 (legacy) when omitted.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer