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. 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: '0.19' apis: - aid: zepto-payments:zepto-api name: Zepto API description: >- Zepto's core account-to-account payments API — move money over the New Payments Platform (NPP), BECS Direct Entry and PayID with payments, payouts, payment requests, transfers, refunds, agreements, contacts, bank accounts and transaction history. Authenticated with OAuth2 (authorization code) using scoped access tokens. humanURL: https://docs.zeptopayments.com/reference/zepto-api baseURL: https://api.zeptopayments.com tags: - Payments - Payouts - Account-to-Account - NPP - Direct Entry properties: - type: OpenAPI url: openapi/zepto-payments-zepto.yml - type: Documentation url: https://docs.zeptopayments.com/docs/zepto-api - type: APIReference url: https://docs.zeptopayments.com/reference/makeapayment - aid: zepto-payments:payto-api name: Zepto PayTo API description: >- Programmatic PayTo mandate management and real-time collection — create, amend, suspend, reactivate and cancel PayTo agreements, then collect authorised real-time payments and issue refunds against them. Zepto is a Connected Institution to the NPP for PayTo. humanURL: https://docs.zeptopayments.com/reference/agreements baseURL: https://api.zeptopayments.com tags: - PayTo - Agreements - Mandates - Real-Time Payments properties: - type: OpenAPI url: openapi/zepto-payments-pay-to.yml - type: Documentation url: https://zepto.com.au/solutions/payto - type: APIReference url: https://docs.zeptopayments.com/reference/agreements - aid: zepto-payments:validate-cop-api name: Zepto Validate API (Confirmation of Payee) description: >- Confirmation of Payee (CoP) account validation — verify that a payee's account name matches the account details in real time before initiating a payment, reducing misdirected payments and payment fraud. humanURL: https://docs.zeptopayments.com/reference/cop-account-validations baseURL: https://api.zeptopayments.com tags: - Confirmation of Payee - Validation - Fraud properties: - type: OpenAPI url: openapi/zepto-payments-validate-cop.yml - type: Documentation url: https://docs.zeptopayments.com/docs/zepto-validate - type: APIReference url: https://docs.zeptopayments.com/reference/cop-account-validations - aid: zepto-payments:investigations-api name: Zepto Investigations API description: >- Disputes and investigations (Beta) — raise and manage payment disputes, respond to action requests (accept, reject, upload evidence) and simulate incoming investigation messages in sandbox. humanURL: https://docs.zeptopayments.com/reference/disputes-beta baseURL: https://api.zeptopayments.com tags: - Disputes - Investigations properties: - type: OpenAPI url: openapi/zepto-payments-investigations.yml - type: APIReference url: https://docs.zeptopayments.com/reference/disputes-beta - aid: zepto-payments:clients-api name: Zepto Clients API description: >- Client management (Alpha) — create and manage sub-clients and their Merchant Category Codes (MCC) for platform and marketplace models operating on top of Zepto's rails. humanURL: https://docs.zeptopayments.com/reference/clients baseURL: https://api.zeptopayments.com tags: - Clients - Platforms - Merchant Category Codes properties: - type: OpenAPI url: openapi/zepto-payments-clients.yml - type: APIReference url: https://docs.zeptopayments.com/reference/clients - aid: zepto-payments:merchant-reports-api name: Zepto Merchant Reports API description: >- Merchant reporting — download PayTo settlement reports by report date for reconciliation of collected and settled funds. humanURL: https://docs.zeptopayments.com/reference/openapi-specifications baseURL: https://api.zeptopayments.com tags: - Reporting - Reconciliation - Settlement properties: - type: OpenAPI url: openapi/zepto-payments-merchant-reports.yml - type: APIReference url: https://docs.zeptopayments.com/reference/openapi-specifications - aid: zepto-payments:notifications-api name: Zepto Notifications API (Webhooks) description: >- Webhook event notifications — subscribe to asynchronous payment and account events (for example float_accounts.unmatched_credit.received) to drive real-time reconciliation and payment status handling. humanURL: https://docs.zeptopayments.com/docs/setting-up-your-webhooks baseURL: https://api.zeptopayments.com tags: - Webhooks - Events - Notifications properties: - type: OpenAPI url: openapi/zepto-payments-notifications.yml - type: Documentation url: https://docs.zeptopayments.com/docs/setting-up-your-webhooks - type: APIReference url: https://docs.zeptopayments.com/reference/getwebhooks common: - type: VulnerabilityDisclosure url: security/zepto-payments-vulnerability-disclosure.yml - type: DomainSecurity url: security/zepto-payments-domain-security.yml - type: AgenticAccess url: agentic-access/zepto-payments-agentic-access.yml - type: Authentication url: authentication/zepto-payments-authentication.yml - type: OAuthScopes url: scopes/zepto-payments-scopes.yml - type: Website url: https://zepto.com.au/ - type: DeveloperPortal url: https://zepto.com.au/developers/ - type: Documentation url: https://docs.zeptopayments.com/ - type: APIReference url: https://docs.zeptopayments.com/reference/openapi-specifications - type: GettingStarted url: https://docs.zeptopayments.com/docs/getting-started-in-sandbox - type: ChangeLog url: https://docs.zeptopayments.com/reference/change-log - type: StatusPage url: https://status.zeptopayments.com/ - type: HelpCenter url: https://help.zepto.money/en/ - type: Login url: https://go.zeptopayments.com/sign_in - type: Blog url: https://zepto.com.au/blog - type: LinkedIn url: https://www.linkedin.com/company/zepto-payments - type: TermsOfService url: https://zepto.com.au/website-terms - type: PrivacyPolicy url: https://zepto.com.au/legal-and-privacy-policy - type: GitHubOrganization url: https://github.com/zeptofs - type: Packages url: packages/zepto-payments-packages.yml - type: WellKnown url: well-known/zepto-payments-well-known.yml - type: SecurityTxt url: well-known/zepto-payments-security.txt - type: Security url: https://zepto.com.au/uploads/documents/Vulnerability-Disclosure-Policy.pdf - type: TrustCenter url: security/zepto-payments-trust-center.yml - type: Compliance url: https://zepto.com.au/platform-and-accreditations - type: Conformance url: conformance/zepto-payments-conformance.yml - type: LLMsTxt url: llms/zepto-payments-llms.txt - type: MCPServer url: mcp/zepto-payments-mcp.yml - type: Conventions url: conventions/zepto-payments-conventions.yml - type: Idempotency url: conventions/zepto-payments-conventions.yml - type: ErrorCatalog url: errors/zepto-payments-problem-types.yml - type: DeclineCodes url: errors/zepto-payments-decline-codes.yml - type: Lifecycle url: lifecycle/zepto-payments-lifecycle.yml - type: ChangeLog url: changelog/zepto-payments-changelog.yml - type: Sandbox url: sandbox/zepto-payments-sandbox.yml - type: DataModel url: data-model/zepto-payments-data-model.yml - type: Webhooks url: asyncapi/zepto-payments-notifications-webhooks.yml - type: AgentSkill url: skills/_index.yml - type: Overlay url: overlays/zepto-payments-zepto-overlay.yaml maintainers: - FN: Kin Lane email: kin@apievangelist.com