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OpenAPI Specification

openapi: 3.2.0
info:
  title: Zepto Sandbox Only API
  contact:
    email: support@zepto.com.au
  description: Zepto allows you to make, get and manage payments using nothing but bank accounts.
  version: '1.0'
servers:
- url: https://api.sandbox.zeptopayments.com
  description: Sandbox API server
- url: https://api.zeptopayments.com
  description: Production API server
security:
- bearerAuth: []
tags:
- name: Sandbox Only
  description: Special testing endpoints that only exist in the sandbox environment.
paths:
  /simulate/incoming_npp_payid_payment:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      tags:
      - Sandbox Only
      summary: Simulate incoming PayID payment
      description: Simulate receiving a real-time PayID payment from one of your Receivable Contacts.
      operationId: SimulateIncomingPayIDPayment
      requestBody:
        description: ''
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SimulateIncomingPayIDPaymentRequest'
        required: true
      responses:
        '201':
          description: Success
        '400':
          description: Invalid parameters
  /simulate/incoming_npp_bban_payment:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      tags:
      - Sandbox Only
      summary: Simulate an incoming real-time payment
      description: 'Simulate receiving a real-time payment to either a Receivable Contact or one of your float accounts, made using a BSB and account number (i.e. not via PayID).

        '
      operationId: SimulateIncomingNPPBBANPayment
      requestBody:
        description: ''
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SimulateIncomingNPPBBANPaymentRequest'
        required: true
      responses:
        '201':
          description: Success
        '400':
          description: Invalid parameters
  /simulate/incoming_de_payment:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      tags:
      - Sandbox Only
      summary: Simulate an incoming DE payment
      description: 'Simulate receiving a Direct Entry payment (i.e. not a real-time payment) to either a Receivable Contact or one of your float accounts.

        '
      operationId: SimulateIncomingDEPayment
      requestBody:
        description: ''
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SimulateIncomingDEPaymentRequest'
        required: true
      responses:
        '201':
          description: Success
        '400':
          description: Invalid parameters
components:
  schemas:
    SimulateIncomingNPPBBANPaymentRequest:
      required:
      - to_bsb
      - to_account_number
      - amount
      type: object
      properties:
        to_bsb:
          type: string
          minLength: 6
          maxLength: 6
          description: Zepto float account BSB (usually 802919)
        to_account_number:
          type: string
          minLength: 1
          maxLength: 9
          description: Zepto float account number
        amount:
          type: integer
          minimum: 1
          maximum: 99999999999
          description: 'Amount in cents (Min: 1 - Max: 99999999999)'
        payment_description:
          type: string
          description: 'Default: "Simulated NPP payment"'
        payment_reference:
          type: string
          description: 'Default: "simulated-npp-payment"'
        from_bsb:
          type: string
          minLength: 6
          maxLength: 6
          description: 'Default: "014209"'
        from_account_number:
          type: string
          minLength: 1
          maxLength: 9
          description: 'Default: "12345678"'
        debtor_name:
          type: string
          minLength: 1
          pattern: ^[ -~]+$
          description: 'Default: "Simulated Debtor"'
        debtor_legal_name:
          type: string
          minLength: 1
          pattern: ^[ -~]+$
          description: 'Default: "Simulated Debtor Pty Ltd"'
      example:
        to_bsb: '802919'
        to_account_number: '88888888'
        amount: 10000
    SimulateIncomingPayIDPaymentRequest:
      required:
      - payid_email
      - amount
      type: object
      properties:
        payid_email:
          type: string
          minLength: 6
          maxLength: 256
          description: 'Receivable Contact PayID email (Min: 6 - Max: 256)'
        amount:
          type: integer
          minimum: 1
          maximum: 99999999999
          description: 'Amount in cents (Min: 1 - Max: 99999999999)'
        payment_description:
          type: string
          description: 'Default:  "Simulated PayID payment"'
        payment_reference:
          type: string
          description: 'Default:  "simulated-payid-payment"'
        from_bsb:
          type: string
          minLength: 6
          maxLength: 6
          description: 'Default: "014209"'
        from_account_number:
          type: string
          minLength: 1
          maxLength: 9
          description: 'Default: "12345678"'
        debtor_name:
          type: string
          pattern: ^[ -~]+$
          minLength: 1
          description: 'Default:  "Simulated Debtor"'
        debtor_legal_name:
          type: string
          minLength: 1
          pattern: ^[ -~]+$
          description: 'Default:  "Simulated Debtor Pty Ltd"'
      example:
        payid_email: incoming@zeptopayments.com
        amount: 10000
    SimulateIncomingDEPaymentRequest:
      required:
      - to_bsb
      - to_account_number
      - amount
      type: object
      properties:
        to_bsb:
          type: string
          minLength: 6
          maxLength: 6
          description: Zepto float account BSB (usually 802919)
        to_account_number:
          type: string
          minLength: 1
          maxLength: 9
          description: Zepto float account number
        amount:
          type: integer
          minimum: 1
          maximum: 99999999999
          description: 'Amount in cents (Min: 1 - Max: 99999999999)'
        payment_reference:
          type: string
          maxLength: 18
          description: 'Max 18 characters. Default: "simulated-de-pymt"'
        from_bsb:
          type: string
          minLength: 6
          maxLength: 6
          description: 'Default: "014209"'
        from_account_number:
          type: string
          minLength: 1
          maxLength: 9
          description: 'Default: "12345678"'
        debtor_name:
          type: string
          minLength: 1
          maxLength: 16
          pattern: ^[ -~]+$
          description: 'Max 16 characters. Default: "Simulated Debtor"'
      example:
        to_bsb: '802919'
        to_account_number: '88888888'
        amount: 10000
  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: oauth2
      flows:
        authorizationCode:
          authorizationUrl: /oauth/authorize
          tokenUrl: /oauth/token
          refreshUrl: /oauth/token
          scopes:
            public: Access your public information
            contacts: Manage your contacts
            payments: Manage your payments
            payment_requests: Manage your payment requests
            refunds: Manage your refunds
            agreements: Manage your agreements
            transactions: Access your transaction history
            open_agreements: Manage your open agreements
            transfers: Manage your Transfers