Zepto

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.

Zepto publishes 22 APIs on the APIs.io network, including Agreement modification API, Agreements API, Alias Resolution API, and 19 more. Tagged areas include Payments, Australia, Real-Time Payments, Account-to-Account, and New Payments Platform.

The Zepto catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Zepto’s developer surface includes authentication, documentation, API reference, getting-started guide, changelog, engineering blog, sandbox, and 34 more developer resources.

🌐 Visit website 📡 Source on GitHub

52.9/100 developing ▬ flat Agent 44/100 agent native Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

AccessSelf serve

7 APIs

Payments Australia Real-Time Payments Account-to-Account New Payments Platform PayTo PayIDDirect EntryOpen Banking Money Movement

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Agreement modificationAgreementsPayment RequestsPaymentsRefundsRefunds (Beta)

POST /payment_requests DELETE /payment_requests/{payment_request_ref} POST /payto/payments POST /payments

Developer Platform & API Ecosystem Management

BC-4270

Webhooks

GET /webhooks GET /webhooks/{webhook_id}/deliveries POST /webhook_deliveries/{id}/redeliver

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 52.9/100 · developing

Contract Quality 11.2 / 19

Developer Ergonomics 8.7 / 15

Access Clarity 6.5 / 15

Operational Transparency 4.4 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 6.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 44/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/zepto-payments: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 22

Individual APIs this provider publishes, each with its own machine-readable definition.

Zepto Agreement modification API

Modify existing agreements

Zepto Agreements API

Create and query agreements

Zepto Alias Resolution API

Resolve the display name associated with a PayID alias

Zepto Bank Accounts API

Your currently linked up bank accounts.

Zepto Clients API

The Zepto Clients API allows registration of clients who indirectly use the Zepto platform via your Zepto integration.

Zepto Contacts API

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.

Zepto Contacts (Receivable) API

The Contacts (Receivable) API from Zepto — 4 operation(s) for contacts (receivable).

Zepto CoP Account Validations API

The CoP Account Validations API from Zepto — 1 operation(s) for cop account validations.

Zepto Disputes (Beta) API

The Zepto Disputes API is for managing disputes. Access to this API is limited. Please contact Zepto for more information.

Zepto Float Accounts API

Webhooks relating to out of band activity on float bank accounts

Zepto Payment Requests API

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).

App...

Zepto Payments API

Make payments using an existing agreement

Zepto Payouts API

This endpoint gives you some control over a transaction: * After it has been created; and * Before it has been submitted to the banks.

Zepto PayTo Settlement API

The PayTo Settlement API from Zepto — 1 operation(s) for payto settlement.

Zepto Ping API

Test your connectivity and authentication.

Zepto Refunds API

Refunds can be issued for any successfully completed Payment Request transaction. This includes: 1. Payment Requests for direct debit payments **(Collections)**: 2. Payment Requ...

Zepto Refunds (Beta) API

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...

Zepto Sandbox Only API

Special testing endpoints that only exist in the sandbox environment.

Zepto Transactions API

By default, the transactions endpoint provides a detailed look at all past, current and future debits & credits related to your account.

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 floa...

Zepto Users API

All about the currently authenticated user.

Zepto Webhooks API

The Webhooks API from Zepto — 4 operation(s) for webhooks.

Scroll for all 22

Postman Collections 7

Ready-to-run Postman collections for exercising this provider's APIs.

Zepto Clients API (Alpha)

POSTMAN

Zepto Investigations API

POSTMAN

Zepto Merchant Reports API

POSTMAN

Notifications

POSTMAN

Zepto PayTo API

POSTMAN

Zepto Validate API (Confirmation of Payee)

POSTMAN

Zepto API

POSTMAN

Scroll for all 7

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Zepto Clients API (Alpha)

OPEN COLLECTION

Zepto Investigations API

OPEN COLLECTION

Zepto Merchant Reports API

OPEN COLLECTION

Notifications

OPEN COLLECTION

Zepto PayTo API

OPEN COLLECTION

Zepto Validate API (Confirmation of Payee)

OPEN COLLECTION

Zepto API

OPEN COLLECTION

Scroll for all 7

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Zepto Payments Notifications Webhooks

ASYNCAPI

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Zepto Payments Authentication

http/oauth2 · 2 schemes

SECURITY

Zepto Payments Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Zepto Payments Vulnerability Disclosure

security.txt · contact published

SECURITY

Zepto Payments Trust Center

PCI DSS Level 1 (v4.0), ISO/IEC 27001, ASAE 3150 (independently certified by RSM Australia), CIS Benchmark Level 2, ISO 9362 (registered SWIFT BIC SPPYAU22)

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Zepto Payments Scopes

9 scopes · authorizationCode

9 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Zepto Payments Agentic Access

72 operations · 37 acting · 1 human-in-the-loop

72 operations · 37 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

WellKnown

WellKnown

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance

Conventions

Idempotency

ErrorCatalog

Lifecycle

DataModel

Webhooks

Scroll for all 7

Build 4

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

Packages

Packages

DeclineCodes

DeclineCodes

Access & Security 8

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

OAuthScopes

SecurityTxt

Security

TrustCenter

Compliance

Scroll for all 8

Operate 4

Status, limits, changes, and where to get help

ChangeLog

StatusPage

HelpCenter

ChangeLog

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

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


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

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