# Zepto Transactions API **Canonical:** https://apis.io/apis/zepto-payments/zepto-payments-transactions-api/ **Provider:** Zepto — https://apis.io/providers/zepto-payments/ **Base URL:** https://api.zeptopayments.com **Documentation:** https://docs.zeptopayments.com/reference/zepto-api Zepto Transactions API is one of 22 APIs that [Zepto](https://apis.io/providers/zepto-payments/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Transaction. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference. By default, the transactions endpoint provides a detailed look at all past, current and future debits & credits related to your account. ##Lifecycle A transaction (debit or credit) can have the following statuses: | Status | Description | |--------|-------------| | `maturing` | The maturation date has not yet been reached. | | `matured` | The maturation date has been reached and the transaction is eligible for processing. | | `preprocessing` | The transaction is undergoing pre-checks before being sent to the bank. | | `processing` | The transaction has been submitted to the bank. | | `clearing` | Waiting for confirmation from the bank that the transaction has succeeded. | | `cleared` | The transaction is complete. | | `rejected` | The bank has rejected the transaction due to incorrect bank account details. | | `returned` | The transaction did not successfully clear. | | `voided` | The transaction has been cancelled and is no longer eligible for processing. | | `pending_verification` | The bank account must be verified before the transaction can proceed. | | `paused` | The transaction has temporary been paused by Zepto pending internal review. | | `channel_switched` | The initial payment channel has failed and the credit has automatically switched to attempt the payment using the next available channel. | ## Failure codes > Example response ```json { "data": [ { "ref": "D.3", "parent_ref": null, "type": "debit", "category": "payout_refund", "created_at": "2021-04-07T23:15:00Z", "matures_at": "2021-04-10T23:15:00Z", "cleared_at": null, "bank_ref": null, "status": "returned", "status_changed_at": "2021-04-08T23:15:00Z", "failure" : { "code": "E251", "title": "Voided By Initiator", "detail": "The transaction was voided by its initiator.", }, "failure_details": "Wrong amount - approved by Stacey" "party_contact_id": "26297f44-c5e1-40a1-9864-3e0b0754c32a", "party_name": "Sanford-Rees", "party_nickname": "sanford-rees-8", "description": null, "amount": 1, "bank_account_id": "56df206a-aaff-471a-b075-11882bc8906a" "channels": ["float_account"] "current_channel": "float_account" } ] } ``` The rejected, returned & voided statuses are always accompanied by a failure code, title and detail as listed below. ### DE credit failures | Code | Title | Detail | | ------------ | ------------- | -------------- | | E101 | Invalid BSB Number | The BSB is not valid or is no longer active. | | E102 | Payment Stopped | The target institution has blocked transactions to this account. Please refer to customer. | | E103 | Account Closed | The target account is closed. | | E104 | Customer Deceased | The target account's owner has been listed as deceased. | | E105 | Account Not Found | The target account number cannot be found by the financial institution. | | E106 | Refer to Customer | Usually means that there is an issue with the account receiving a credit that only the customer and their financial institution can resolve. Please refer to customer. | | E107 | Account Deleted | The target account is deleted. | | E108 | Invalid UserID | Please contact Zepto for further information. | | E109 | Technically Invalid | Usually means that the account is not creditable or that the reason for failure cannot be categorised within the standard BECS return codes. Please refer to customer. | | E150 | Voided By Admin | The transaction was voided by an administrator. | | E151 | Voided By Initiator | The transaction was voided by its initiator. | | E152 | Insufficient Funds | There were insufficient funds to complete the transaction. | | E153 | System Error | The transaction was unable to complete. Please contact Zepto for assistance. | | E154 | Account Blocked | The target account is blocked and cannot receive funds. | | E199 | Unknown DE Error | An unknown DE error occurred. Please contact Zepto for assistance. | ### DE debit failures | Code | Title | Detail | | ------------ | ------------- | -------------- | | E201 | Invalid BSB Number | The BSB is not valid or is no longer active. | | E202 | Payment Stopped | The target institution has blocked transactions to this account. Please refer to customer. | | E203 | Account Closed | The target account is closed. | | E204 | Customer Deceased | The target account's owner has been listed as deceased. | | E205 | Account Not Found | The target account number cannot be found by the financial institution. | | E206 | Refer to Customer | Usually means insufficient funds or that the target account has breached their transaction limits. | | E207 | Account Deleted | The target account is deleted. | | E208 | Invalid UserID | Please contact Zepto for further information. | | E209 | Technically Invalid | Usually means that the account is not debitable or that the reason for failure can not be categorised within the standard BECS return codes. Please refer to customer. | | E250 | Voided By Admin | The transaction was voided by an administrator. | | E251 | Voided By Initiator | The transaction was voided by its initiator. | | E252 | Insufficient Funds | There were insufficient funds to complete the transaction. | | E253 | System Error | The transaction was unable to complete. Please contact Zepto for assistance. | | E299 | Unknown DE Error | An unknown DE error occurred. Please contact Zepto for assistance. | ### NPP credit failures | Code | Title | Detail | | ------------ | ------------- | -------------- | | E301 | Upstream Network Outage | An upstream network issue occurred. Please try again later. | | E302 | BSB Not NPP Enabled | The target BSB is not NPP enabled. Please try another channel. | | E303 | Account Not NPP Enabled | The target account exists but cannot accept funds via the NPP. Please try another channel. | | E304 | Account Not Found | The target account number cannot be found. | | E305 | Intermittent Outage At Target Institution | The target financial institution is experiencing technical difficulties. Please try again later. | | E306 | Account Closed | The target account is closed. | | E307 | Target Institution Offline | The target financial institution is undergoing maintenance or experiencing an outage. Please try again later. | | E308 | Account Blocked | The target account is blocked and cannot receive funds. | | E399 | Unknown NPP Error | An unknown NPP error occurred. Please contact Zepto for assistance. | ## Machine-readable artifacts (12) - **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/zepto-payments/refs/heads/main/openapi/zepto-payments-transactions-api-openapi.yml - **Documentation** — https://docs.zeptopayments.com/docs/zepto-api - **APIReference** — https://docs.zeptopayments.com/reference/makeapayment - **Documentation** — https://zepto.com.au/solutions/payto - **APIReference** — https://docs.zeptopayments.com/reference/agreements - **Documentation** — https://docs.zeptopayments.com/docs/zepto-validate - **APIReference** — https://docs.zeptopayments.com/reference/cop-account-validations - **APIReference** — https://docs.zeptopayments.com/reference/disputes-beta - **APIReference** — https://docs.zeptopayments.com/reference/clients - **APIReference** — https://docs.zeptopayments.com/reference/openapi-specifications - **Documentation** — https://docs.zeptopayments.com/docs/setting-up-your-webhooks - **APIReference** — https://docs.zeptopayments.com/reference/getwebhooks ## Other Zepto APIs (12) - [Zepto Agreement modification API](https://apis.io/apis/zepto-payments/zepto-payments-agreement-modification-api/) - [Zepto Agreements API](https://apis.io/apis/zepto-payments/zepto-payments-agreements-api/) - [Zepto Alias Resolution API](https://apis.io/apis/zepto-payments/zepto-payments-alias-resolution-api/) - [Zepto Bank Accounts API](https://apis.io/apis/zepto-payments/zepto-payments-bank-accounts-api/) - [Zepto Clients API](https://apis.io/apis/zepto-payments/zepto-payments-clients-api/) - [Zepto Contacts API](https://apis.io/apis/zepto-payments/zepto-payments-contacts-api/) - [Zepto Contacts (Receivable) API](https://apis.io/apis/zepto-payments/zepto-payments-contacts-receivable-api/) - [Zepto CoP Account Validations API](https://apis.io/apis/zepto-payments/zepto-payments-cop-account-validations-api/) - [Zepto Disputes (Beta) API](https://apis.io/apis/zepto-payments/zepto-payments-disputes-beta-api/) - [Zepto Float Accounts API](https://apis.io/apis/zepto-payments/zepto-payments-float-accounts-api/) - [Zepto Payment Requests API](https://apis.io/apis/zepto-payments/zepto-payments-payment-requests-api/) - [Zepto Payments API](https://apis.io/apis/zepto-payments/zepto-payments-payments-api/) ## Tags Transaction --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/zepto-payments/zepto-payments-transactions-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/zepto-payments/.