slug: zepto-payments
provider: Zepto
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 7
edges:
- tag: Payment Requests
  spec_file: zepto-payments-payment-requests-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.8
  evidence: POST /payment_requests  MakeAPaymentRequest  Request Payment; DELETE ... CancelAPaymentRequest
  reason: Capture, retrieval and cancellation of payment instructions (requests, collections, receivables)
    over A2A rails is payment initiation management.
- tag: Payments
  spec_file: zepto-payments-payments-api-openapi.yml
  capability_id: BC-1340.10
  capability_id_l1: BC-1340
  capability_name: Payment Initiation Management
  confidence: 0.8
  evidence: POST /payments  MakeAPayment  Make a Payment; POST /payto/payments  create payment
  reason: Operations create, list, retrieve and retry real-time PayTo/A2A payments — payment instruction
    capture and authorisation, i.e. payment initiation.
- tag: Webhooks
  spec_file: zepto-payments-webhooks-api-openapi.yml
  capability_id: BC-4270.80
  capability_id_l1: BC-4270
  capability_name: Webhook & Event Subscription Management
  confidence: 0.78
  evidence: GET /webhooks/{webhook_id}/deliveries  GetWebhookDeliveries  List deliveries for a webhook;
    POST /webhook_deliveries/{id}/redeliver
  reason: Manages outbound webhook subscriptions and delivery reliability/redelivery, matching webhook
    & event subscription management in the developer platform capability.
- tag: Agreement modification
  spec_file: zepto-payments-agreement-modification-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.75
  evidence: POST /payto/agreements/{agreement_uid}/amendment 'create amendment'; 'cancel agreement'; 'suspend
    agreement'; 'reactivate agreement'; schema payto.unprocessable_mandate_reactivate_errors
  reason: PayTo agreements are payment mandates on Australia's NPP rails; these operations amend, suspend,
    cancel and reactivate the debtor's payment authorisation. Clearly payments capability; ambiguous between
    payment-initiation/authorisation and real-time payment rails, so no L2.
- tag: Agreements
  spec_file: zepto-payments-agreements-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.75
  evidence: POST /payto/agreements 'create agreement'; GET /payto/agreements/{agreement_uid}/history 'list
    agreement history'; DELETE /agreements/{agreement_ref} CancelAgreement
  reason: Creation and lifecycle of PayTo mandates (payment authorisations) used to debit payer accounts
    over real-time rails — a payments capability. L2 left null because the mandate sits between payment
    initiation/authorisation and real-time payment rail management.
- tag: Refunds
  spec_file: zepto-payments-refunds-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.7
  evidence: POST /credits/{credit_ref}/refunds  IssueARefund  Issue a Refund
  reason: Issuing and retrieving refunds against credits is a payment-processing operation on the A2A
    rails; the specific sub-capability (initiation vs processing) is not clearly named.
- tag: Refunds (Beta)
  spec_file: zepto-payments-refunds-beta-api-openapi.yml
  capability_id: BC-1340
  capability_id_l1: BC-1340
  capability_name: Payments & Card Management
  confidence: 0.7
  evidence: POST /payto/refunds    create refund; schema payto.refund.pay_to_payment
  reason: Creation and retrieval of refunds against PayTo payments is payment processing; sub-capability
    not distinctly evidenced.