Zepto

Zepto Transfers API

This endpoint lets you Transfer funds between any bank & float accounts registered under your Zepto account: 1. **From**: Bank Account **To**: Float Account: * Topping up a float account via Direct Debit * Up to 2 days 2. **From**: Float Account **To**: Bank Account: * Withdrawing from a float account * Will attempt NPP first and channel switch to DE if required 3. **From**: Float Account **To**: Float Account: * Transfer between two float accounts * Within seconds

Documentation GitHub OpenAPI

Operations 3

POST /transfers Add a Transfer #

GET /transfers List all Transfers (Available soon) #

GET /transfers/{transfer_ref} Get a Transfer (Available soon) #

Documentation

📖

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

Specifications

⚙

OpenAPI

https://raw.githubusercontent.com/api-evangelist/zepto-payments/refs/heads/main/openapi/zepto-payments-transfers-api-openapi.yml

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OpenAPI Specification

openapi: 3.2.0
info:
  title: Zepto Transfers 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: Transfers
  description: "\nThis endpoint lets you Transfer funds between any bank & float accounts registered under your Zepto account:\n\n1. **From**: Bank Account **To**: Float Account:\n  * Topping up a float account via Direct Debit\n  * Up to 2 days\n2. **From**: Float Account **To**: Bank Account:\n  * Withdrawing from a float account\n  * Will attempt NPP first and channel switch to DE if required\n3. **From**: Float Account **To**: Float Account:\n  * Transfer between two float accounts\n  * Within seconds\n"
paths:
  /transfers:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    post:
      tags:
      - Transfers
      summary: Add a Transfer
      description: 'Use this endpoint when you want to create a Transfer between any 2 of your float/bank accounts.

        <aside class="notice">We now require supplying an <code>Idempotency-Key</code> header when performing this request to ensure you can safely retry the action in case of an issue. If the header value is different to one provided previously, we will be treating a request as a new operation which may lead to duplicate payments. To understand more on how to make idempotent requests, please refer to our <a href="https://docs.zeptopayments.com/v20260101/reference/idempotent-requests">Idempotent requests guide</a>.</aside>

        '
      operationId: AddATransfer
      parameters:
      - name: Idempotency-Key
        in: header
        description: Idempotency key to support safe retries for 24h
        required: true
        schema:
          type: string
        example: '{unique-uuid-per-transfer}'
      requestBody:
        description: ''
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AddATransferRequest'
        required: true
      responses:
        '201':
          description: Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AddATransferResponse'
    get:
      tags:
      - Transfers
      summary: List all Transfers (Available soon)
      description: ''
      operationId: ListAllTransfers
      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: from_bank_account_id
        in: query
        description: Source bank/float account UUID, single value, exact match
        style: form
        schema:
          type: string
        example: a79423b2-3827-4cf5-9eda-dc02a298d005
      - name: to_bank_account_id
        in: query
        description: Target bank/float account UUID, single value, exact match
        style: form
        schema:
          type: string
        example: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
      responses:
        '200':
          description: OK
          headers:
            Link:
              $ref: '#/components/headers/Link'
            Per-Page:
              $ref: '#/components/headers/Per-Page'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ListAllTransfersResponse'
  /transfers/{transfer_ref}:
    parameters:
    - $ref: '#/components/parameters/ZeptoAPIVersion'
    get:
      tags:
      - Transfers
      summary: Get a Transfer (Available soon)
      description: Get a single transfer by its reference
      operationId: GetATransfer
      parameters:
      - name: transfer_ref
        in: path
        description: Transfer reference
        required: true
        style: simple
        schema:
          type: string
        example: T.11ub
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetATransferResponse'
components:
  headers:
    Per-Page:
      schema:
        type: integer
      description: Contains the current maximum items in collection. Defaults to 25
      example: 25
    Link:
      schema:
        type: string
      description: Contains pagination link for next page of collection, if next page exists.
      example: <https://api.sandbox.zeptopayments.com/contacts?page=2>; rel="next"
  schemas:
    AddATransferResponse:
      required:
      - data
      type: object
      properties:
        data:
          type: object
          required:
          - ref
          - from_bank_account_id
          - to_bank_account_id
          - amount
          - description
          - matures_at
          properties:
            ref:
              type: string
              description: 'The Transfer request reference (T.*) (Min: 4 - Max: 8)'
            from_bank_account_id:
              type: string
              description: The source bank/float account (UUID)
            to_bank_account_id:
              type: string
              description: The destination bank/float account (UUID
            amount:
              type: integer
              minimum: 1
              maximum: 99999999999
              description: 'The amount value provided (Min: 1 - Max: 99999999999)'
            description:
              type: string
              description: Description for the Transfer
            matures_at:
              type: string
              format: date-time
              description: Date & time in UTC ISO8601 the Transfer should be processed. (Can not be earlier than the start of current day in Sydney AEST/AEDT)
              example: '2021-06-01T02:10:56Z'
      example:
        data:
          ref: T.11ub
          from_bank_account_id: a79423b2-3827-4cf5-9eda-dc02a298d005
          to_bank_account_id: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
          amount: 100000
          description: Float account balance adjustment
          matures_at: '2021-06-06T00:00:00Z'
    AddATransferRequest:
      required:
      - from_bank_account_id
      - to_bank_account_id
      - amount
      - description
      - matures_at
      type: object
      properties:
        from_bank_account_id:
          type: string
          description: The source float/bank account (UUID)
        to_bank_account_id:
          type: string
          description: The destination float/bank account (UUID)
        amount:
          type: integer
          minimum: 1
          maximum: 99999999999
          description: 'Amount in cents (Min: 1 - Max: 99999999999)'
        description:
          type: string
          pattern: ^[ -~\p{Emoji}]+$
          description: Description for the Transfer. ASCII-printable characters and unicode emojis are accepted.
        matures_at:
          type: string
          format: date-time
          description: Date & time in UTC ISO8601 the Transfer should be processed. (Can not be earlier than the start of current day in Sydney AEST/AEDT)
          example: '2021-06-01T02:10:56Z'
      example:
        from_bank_account_id: a79423b2-3827-4cf5-9eda-dc02a298d005
        to_bank_account_id: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
        amount: 100000
        description: Float account balance adjustment
        matures_at: '2021-06-06T00:00:00Z'
    GetATransferResponse:
      required:
      - data
      type: object
      properties:
        data:
          type: object
          required:
          - ref
          - from_bank_account_id
          - to_bank_account_id
          - amount
          - description
          - matures_at
          properties:
            ref:
              type: string
              description: 'The Transfer request reference (T.*) (Min: 4 - Max: 8)'
            initiator_id:
              type: string
              description: Initiating Zepto Account
            from_bank_account_id:
              type: string
              description: The source bank/float account (UUID)
            to_bank_account_id:
              type: string
              description: The destination bank/float account (UUID
            amount:
              type: integer
              minimum: 1
              maximum: 99999999999
              description: 'The amount value provided (Min: 1 - Max: 99999999999)'
            description:
              type: string
              description: Description for the Transfer
            matures_at:
              type: string
              format: date-time
              description: Date & time in UTC ISO8601 the Transfer should be processed. (Can not be earlier than the start of current day in Sydney AEST/AEDT)
              example: '2021-06-01T02:10:56Z'
      example:
        data:
          ref: T.87xp
          from_bank_account_id: a79423b2-3827-4cf5-9eda-dc02a298d005
          to_bank_account_id: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
          amount: 47000
          description: Deposit from my bank account
          matures_at: '2021-06-03T00:00:00Z'
    ListAllTransfersResponse:
      title: List all Transfers (response)
      required:
      - data
      type: object
      properties:
        data:
          type: array
          items:
            type: object
      example:
        data:
        - ref: T.62xl
          from_bank_account_id: a79423b2-3827-4cf5-9eda-dc02a298d005
          to_bank_account_id: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
          amount: 47000
          description: Deposit from my bank account
          matures_at: '2021-06-03T00:00:00Z'
        - ref: T.87xp
          from_bank_account_id: a79423b2-3827-4cf5-9eda-dc02a298d005
          to_bank_account_id: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
          amount: 9700
          description: Withdrawal June 2021
          matures_at: '2021-05-28T00:00:00Z'
        - ref: T.87s4
          from_bank_account_id: a79423b2-3827-4cf5-9eda-dc02a298d005
          to_bank_account_id: 0921a719-c79d-4ffb-91b6-1b30ab77d14d
          amount: 230
          description: Transfer to my other Float account
          matures_at: '2021-05-03T00:00:00Z'
  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