Zepto

aid: zepto-payments
url: https://raw.githubusercontent.com/api-evangelist/zepto-payments/refs/heads/main/apis.yml
name: Zepto
kind: company
description: 'Zepto is a Gold Coast, Australia based account-to-account (A2A) payments company that gives merchants and platforms
  programmable, real-time access to Australia''s core money-movement rails. Its unified REST API moves money over the New
  Payments Platform (NPP) for instant account-to-account payments, PayTo for mandated real-time debits, PayID addressing,
  BECS Direct Entry (direct debit and direct credit), and stored-value float accounts, with real-time messaging, settlement
  and reconciliation. Zepto is the first non-authorised-deposit-taking institution (non-ADI) approved to connect directly
  to the NPP as a "Connected Institution" for PayTo, positioning it as an infrastructure-grade money-movement provider rather
  than a card acquirer. Its API posture is genuinely developer-first and API-native: a public ReadMe developer portal, a full
  sandbox, idempotent asynchronous payment flows, webhook notifications, and seven downloadable OpenAPI specifications covering
  the core payments API, PayTo, Confirmation of Payee (Validate), disputes, clients, merchant reports and notifications.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- New Payments Platform
- PayTo
- PayID
- Direct Entry
- Open Banking
- Money Movement
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: zepto-payments:zepto-payments-agreement-modification-api
  name: Zepto Agreement modification API
  description: Modify existing agreements
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Agreement modification
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-agreement-modification-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-agreements-api
  name: Zepto Agreements API
  description: Create and query agreements
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Agreements
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-agreements-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-alias-resolution-api
  name: Zepto Alias Resolution API
  description: Resolve the display name associated with a PayID alias
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Alias Resolution
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-alias-resolution-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-bank-accounts-api
  name: Zepto Bank Accounts API
  description: Your currently linked up bank accounts.
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-clients-api
  name: Zepto Clients API
  description: 'The Zepto Clients API allows registration of clients who indirectly use the Zepto platform

    via your Zepto integration.'
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Clients
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-clients-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-contacts-api
  name: Zepto Contacts API
  description: 'Your Contacts form an address book of parties with whom you can interact. In order to initiate any type of
    transaction you must first have the party in your Contact list.


    <aside class="notice">In the case of Open Agreements, the authorising party will be automatically added to your Contacts
    list.</aside>'
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-contacts-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-contacts-receivable-api
  name: Zepto Contacts (Receivable) API
  description: The Contacts (Receivable) API from Zepto — 4 operation(s) for contacts (receivable).
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Contacts (Receivable)
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-contacts-receivable-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-cop-account-validations-api
  name: Zepto CoP Account Validations API
  description: The CoP Account Validations API from Zepto — 1 operation(s) for cop account validations.
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - CoP Account Validations
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-cop-account-validations-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-disputes-beta-api
  name: Zepto Disputes (Beta) API
  description: The Zepto Disputes API is for managing disputes. Access to this API is limited. Please contact Zepto for more
    information.
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Disputes (Beta)
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-disputes-beta-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-float-accounts-api
  name: Zepto Float Accounts API
  description: Webhooks relating to out of band activity on float bank accounts
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Float Accounts
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-float-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-payment-requests-api
  name: Zepto Payment Requests API
  description: "A Payment Request (PR) is used to collect funds, via direct debit, from one of your Contacts (as long as there\
    \ is an accepted Agreement in place).\n\n<div class=\"middle-header\">Applicable scenarios</div>\n\n1. **You send a Payment\
    \ Request to a [Contact](/#Zepto-API-Contacts) in order to collect funds:**\n    1. Given there is an Agreement in place\
    \ and the Payment Request is within the terms of the Agreement,\nthen it will be automatically approved; **or**\n    1.\
    \ Given the Payment Request is **not** within the terms of the Agreement, then it will not be\ncreated; **or**\n    1.\
    \ There is no Agreement in place, then it will not be created.\n1. **Your customer sends funds to you as a [Receivable\
    \ Contact](/#add-a-receivable-contact):**\n    1. A *receivable* Payment Request will be automatically created and approved\
    \ to identify the movement\nof funds from your customer to your chosen Zepto float account.\n\n##Lifecycle\n\n<aside class=\"\
    notice\">Payment Requests generated from a customer sending you funds will always be <code>approved</code></aside>\n\n\
    A Payment Request can have the following statuses:\n\n| Status | Description |\n|-------|-------------|\n| `approved`\
    \ | The debtor has approved the Payment Request. |\n| `cancelled` | The creditor has cancelled the Payment Request. |\n\
    \n<div class=\"middle-header\">Prechecking</div>\n\nWhen using Payment Requests to collect payments from your customer,\
    \ Zepto will automatically check for available funds before **attempting to debit** the debtor. This check is only performed\
    \ for contacts with an active [bank connection](/#Zepto-API-Bank-Connections)."
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Payment Requests
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-payment-requests-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-payments-api
  name: Zepto Payments API
  description: Make payments using an existing agreement
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-payouts-api
  name: Zepto Payouts API
  description: "This endpoint gives you some control over a transaction:\n\n* After it has been created; and\n* Before it\
    \ has been submitted to the banks.\n\n<aside class=\"notice\">\n  Payments and Payment Requests are made up of individual\
    \ Debits and Credits. These debits and credits\n  were once referred to as Payouts [Legacy naming].\n</aside>"
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-payto-settlement-api
  name: Zepto PayTo Settlement API
  description: The PayTo Settlement API from Zepto — 1 operation(s) for payto settlement.
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - PayTo Settlement
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-payto-settlement-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-ping-api
  name: Zepto Ping API
  description: Test your connectivity and authentication.
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Ping
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-ping-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-refunds-api
  name: Zepto Refunds API
  description: 'Refunds can be issued for any successfully completed Payment Request transaction. This includes:


    1. Payment Requests for direct debit payments **(Collections)**:

    2. Payment Requests for funds received via DE/NPP **(Receivables)**:


    This allows you to return any funds that were previously collected or received into one of your bank/float accounts.'
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-refunds-beta-api
  name: Zepto Refunds (Beta) API
  description: 'Refund existing settled PayTo Payments


    ## Beta Release


    We''re excited to announce that this feature is now in beta! While we''ll aim to minimize breaking changes,

    some adjustments may occur as we refine it. Rest assured, we''ll notify you of any major changes in advance.

    Access is limited to selected merchants who applied. Your feedback is crucial in helping us improve and stabilize

    the feature so please share your experiences!'
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Refunds (Beta)
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-refunds-beta-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-sandbox-only-api
  name: Zepto Sandbox Only API
  description: Special testing endpoints that only exist in the sandbox environment.
  humanURL: https://docs.zeptopayments.com/reference/zepto-api
  baseURL: https://api.zeptopayments.com
  tags:
  - Sandbox Only
  properties:
  - type: OpenAPI
    url: openapi/zepto-payments-sandbox-only-api-openapi.yml
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-api
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/makeapayment
  - type: Documentation
    url: https://zepto.com.au/solutions/payto
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/agreements
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/zepto-validate
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/cop-account-validations
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/disputes-beta
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/clients
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/openapi-specifications
  - type: Documentation
    url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
  - type: APIReference
    url: https://docs.zeptopayments.com/reference/getwebhooks
- aid: zepto-payments:zepto-payments-transactions-api
  name: Zepto Transactions API
  description: "By default, the transactions endpoint provides a detailed look at all past, current and future debits & credits\
    \ related to your account.\n\n<aside class=\"notice\">Want to also know about the debits & credits applied to the other\
    \ party? No problem! Use the <code>both_parties=true</code> query string.</aside>\n\n##Lifecycle\n\nA transaction (debit\
    \ or credit) can have the following statuses:\n\n| Status | Description |\n|--------|-------------|\n| `maturing` | The\
    \ maturation date has not yet been reached. |\n| `matured` | The maturation date has been reached and the transaction\
    \ is eligible for processing. |\n| `preprocessing` | The transaction is undergoing pre-checks before being sent to the\
    \ bank. |\n| `processing` | The transaction has been submitted to the bank. |\n| `clearing` | Waiting for confirmation\
    \ from the bank that the transaction has succeeded. |\n| `cleared` | The transaction is complete. |\n| `rejected` | The\
    \ bank has rejected the transaction due to incorrect bank account details. |\n| `returned` | The transaction did not successfully\
    \ clear. |\n| `voided` | The transaction has been cancelled and is no longer eligible for processing. |\n| `pending_verification`\
    \ | The bank account must be verified before the transaction can proceed. |\n| `paused` | The transaction has temporary\
    \ been paused by Zepto pending internal review. |\n| `channel_switched` | The initial payment channel has failed and the\
    \ credit has automatically switched to attempt the payment using the next available channel. |\n## Failure codes\n> Example\
    \ response\n\n```json\n{\n  \"data\": [\n    {\n      \"ref\": \"D.3\",\n      \"parent_ref\": null,\n      \"type\":\
    \ \"debit\",\n      \"category\": \"payout_refund\",\n      \"created_at\": \"2021-04-07T23:15:00Z\",\n      \"matures_at\"\
    : \"2021-04-10T23:15:00Z\",\n      \"cleared_at\": null,\n      \"bank_ref\": null,\n      \"status\": \"returned\",\n\
    \      \"status_changed_at\": \"2021-04-08T23:15:00Z\",\n      \"failure\" : {\n        \"code\": \"E251\",\n        \"\
    title\": \"Voided By Initiator\",\n        \"detail\": \"The transaction was voided by its initiator.\",\n      },\n \
    \     \"failure_details\": \"Wrong amount - approved by Stacey\"\n      \"party_contact_id\": \"26297f44-c5e1-40a1-9864-3e0b0754c32a\"\
    ,\n      \"party_name\": \"Sanford-Rees\",\n      \"party_nickname\": \"sanford-rees-8\",\n      \"description\": null,\n\
    \      \"amount\": 1,\n      \"bank_account_id\": \"56df206a-aaff-471a-b075-11882bc8906a\"\n      \"channels\": [\"float_account\"\
    ]\n      \"current_channel\": \"float_account\"\n    }\n  ]\n}\n```\nThe rejected, returned & voided statuses are always\
    \ accompanied by a failure code, title and detail as listed below.\n### DE credit failures\n| Code | Title | Detail |\n\
    | ------------ | ------------- | -------------- |\n| E101 | Invalid BSB Number | The BSB is not valid or is no longer\
    \ active. |\n| E102 | Payment Stopped | The target institution has blocked transactions to this account. Please refer\
    \ to customer. |\n| E103 | Account Closed | The target account is closed. |\n| E104 | Customer Deceased | The target account's\
    \ owner has been listed as deceased. |\n| E105 | Account Not Found | The target account number cannot be found by the\
    \ financial institution. |\n| 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. |\n| E107 | Accoun

# --- truncated at 32 KB (44 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/zepto-payments/refs/heads/main/apis.yml