--- openapi: 3.0.1 info: title: Zepto Clients API (Alpha) version: '20260101' description: Documentation for the Zepto Clients API. termsOfService: https://www.zepto.com.au/terms-of-service/ contact: email: support@zepto.com.au tags: - name: Clients description: | The Zepto Clients API allows registration of clients who indirectly use the Zepto platform via your Zepto integration. - name: Merchant Category Codes (MCC) description: |- Comprehensive list of Merchant Category Codes that can be used when creating Client records. |Code|Description| |---|---| |0742|Veterinary Services| |0763|Agricultural Cooperative| |0780|Landscaping Services| |1520|General Services| |1711|Heating, Plumbing, A/C| |1731|Electrical Services| |1740|Masonry, Stonework, and Plaster| |1750|Carpentry Services| |1761|Roofing/Siding, Sheet Metal| |1771|Concrete Work Services| |1799|Special Trade Services| |2741|Miscellaneous Publishing and Printing| |2791|Typesetting, Plate Making, and Related Services| |2842|Specialty Cleaning| |4011|Railroads| |4111|Commuter Transport, Ferries| |4112|Passenger Railways| |4119|Ambulance Services| |4121|Taxicabs/Limousines| |4131|Bus Lines| |4214|Motor Freight Carriers and Trucking - Local and Long Distance, Moving and Storage Companies, and Local Delivery Services| |4215|Courier Services| |4225|Public Warehousing and Storage - Farm Products, Refrigerated Goods, Household Goods, and Storage| |4411|Cruise Lines| |4457|Boat Rentals and Leases| |4468|Marinas, Service and Supplies| |4511|Airlines, Air Carriers| |4582|Airports, Flying Fields| |4722|Travel Agencies, Tour Operators| |4723|TUI Travel - Germany| |4784|Tolls/Bridge Fees| |4789|Transportation Services (Not Elsewhere Classified)| |4812|Telecommunication Equipment and Telephone Sales| |4814|Telecommunication Services| |4816|Computer Network Services/Cyberlocker| |4821|Telegraph Services| |4829|Wires, Money Orders| |4899|Cable, Satellite, and Other Pay Television and Radio| |4900|Utilities| |5013|Motor Vehicle Supplies and New Parts| |5021|Office and Commercial Furniture| |5039|Construction Materials (Not Elsewhere Classified)| |5044|Photographic, Photocopy, Microfilm Equipment, and Supplies| |5045|Computers, Peripherals, and Software| |5046|Commercial Equipment (Not Elsewhere Classified)| |5047|Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies| |5051|Metal Service Centers| |5065|Electrical Parts and Equipment| |5072|Hardware, Equipment, and Supplies| |5074|Plumbing, Heating Equipment, and Supplies| |5085|Industrial Supplies (Not Elsewhere Classified)| |5094|Precious Stones and Metals, Watches and Jewellery| |5099|Durable Goods (Not Elsewhere Classified)| |5111|Stationary, Office Supplies, Printing and Writing Paper| |5122|Drugs, Drug Proprietaries, and Druggist Sundries| |5131|Piece Goods, Notions, and Other Dry Goods| |5137|Uniforms, Commercial Clothing| |5139|Commercial Footwear| |5169|Chemicals and Allied Products (Not Elsewhere Classified)| |5172|Petroleum and Petroleum Products| |5192|Books, Periodicals, and Newspapers| |5193|Florists Supplies, Nursery Stock, and Flowers| |5198|Paints, Varnishes, and Supplies| |5199|Nondurable Goods (Not Elsewhere Classified)| |5200|Home Supply Warehouse Stores| |5211|Lumber, Building Materials Stores| |5231|Glass, Paint, and Wallpaper Stores| |5251|Hardware Stores| |5261|Nurseries, Lawn and Garden Supply Stores| |5262|Marketplaces| |5271|Mobile Home Dealers| |5300|Wholesale Clubs| |5309|Duty Free Stores| |5310|Discount Stores| |5311|Department Stores| |5331|Variety Stores| |5399|Miscellaneous General Merchandise| |5411|Grocery Stores, Supermarkets| |5422|Freezer and Locker Meat Provisioners| |5441|Candy, Nut, and Confectionery Stores| |5451|Dairy Products Stores| |5462|Bakeries| |5499|Miscellaneous Food Stores - Convenience Stores and Specialty Markets| |5511|Car and Truck Dealers (New & Used) Sales, Service, Repairs Parts and Leasing| |5521|Car and Truck Dealers (Used Only) Sales, Service, Repairs Parts and Leasing| |5531|Auto and Home Supply Stores| |5532|Automotive Tire Stores| |5533|Automotive Parts and Accessories Stores| |5541|Service Stations| |5542|Automated Fuel Dispensers| |5551|Boat Dealers| |5552|Electric Vehicle Charging| |5561|Motorcycle Shops, Dealers| |5571|Motorcycle Shops and Dealers| |5592|Motor Homes Dealers| |5598|Snowmobile Dealers| |5599|Miscellaneous Auto Dealers| |5611|Mens and Boys Clothing and Accessories Stores| |5621|Womens Ready-To-Wear Stores| |5631|Womens Accessory and Specialty Shops| |5641|Childrens and Infants Wear Stores| |5651|Family Clothing Stores| |5655|Sports and Riding Apparel Stores| |5661|Shoe Stores| |5681|Furriers and Fur Shops| |5691|Mens, Womens Clothing Stores| |5697|Tailors, Alterations| |5698|Wig and Toupee Stores| |5699|Miscellaneous Apparel and Accessory Shops| |5712|Furniture, Home Furnishings, and Equipment Stores, Except Appliances| |5713|Floor Covering Stores| |5714|Drapery, Window Covering, and Upholstery Stores| |5718|Fireplace, Fireplace Screens, and Accessories Stores| |5719|Miscellaneous Home Furnishing Specialty Stores| |5722|Household Appliance Stores| |5732|Electronics Stores| |5733|Music Stores-Musical Instruments, Pianos, and Sheet Music| |5734|Computer Software Stores| |5735|Record Stores| |5811|Caterers| |5812|Eating Places, Restaurants| |5813|Drinking Places| |5814|Fast Food Restaurants| |5815|Digital Goods Media – Books, Movies, Music| |5816|Digital Goods – Games (Games of Skill not Luck)| |5817|Digital Goods – Applications (Excludes Games)| |5818|Digital Goods – Large Digital Goods Merchant| |5912|Drug Stores and Pharmacies| |5921|Package Stores-Beer, Wine, and Liquor| |5931|Used Merchandise and Second-hand Stores| |5932|Antique Shops| |5933|Pawn Shops| |5935|Wrecking and Salvage Yard,| |5937|Antique Reproductions| |5940|Bicycle Shops| |5941|Sporting Goods Stores| |5942|Book Stores| |5943|Stationery Stores, Office, and School Supply Stores| |5944|Jewellery Stores, Watches, Clocks, and Silverware Stores| |5945|Hobby, Toy, and Game Shops| |5946|Camera and Photographic Supply Stores| |5947|Gift, Card, Novelty, and Souvenir Shops| |5948|Luggage and Leather Goods Stores| |5949|Sewing, Needlework, Fabric, and Piece Goods Stores| |5950|Glassware, Crystal Stores| |5960|Direct Marketing - Insurance Services| |5962|Direct Marketing - Travel| |5963|Door-To-Door Sales| |5964|Direct Marketing - Catalog Merchant| |5965|Direct Marketing - Combination Catalog and Retail Merchant| |5966|Direct Marketing - Outbound Telemarketing| |5967|Direct Marketing - Inbound Telemarketing| |5968|Direct Marketing - Subscription| |5969|Direct Marketing - Other| |5970|Artists Supply and Craft Shops| |5971|Art Dealers and Galleries| |5972|Stamp and Coin Stores| |5973|Religious Goods Stores| |5975|Hearing Aids Sales and Supplies| |5976|Orthopaedic Goods - Prosthetic Devices| |5977|Cosmetic Stores| |5978|Typewriter Stores| |5983|Fuel Dealers (Non-Automotive)| |5992|Florists| |5993|Cigar Stores and Stands| |5994|News Dealers and Newsstands| |5995|Pet Shops, Pet Food, and Supplies| |5996|Swimming Pools Sales| |5997|Electric Razor Stores| |5998|Tent and Awning Shops| |5999|Miscellaneous Specialty Retail| |6010|Manual Cash Disburse| |6011|Automated Cash Disburse| |6012|Financial Institutions| |6051|Non-FI, Money Orders| |6052|Buy Now Pay Later| |6053|Cash Management| |6054|Digital Currency Exchange| |6055|Earned Wage Access| |6056|Lending| |6057|Investment| |6058|Foreign Exchange services| |6059|Funds Management| |6060|Remittance Providers| |6061|Virtual Wallet| |6062|Pay Day Lending| |6063|Debt collection agencies| |6064|Event Management| |6065|Ticketing| |6066|Payment services platforms| |6211|Security Brokers/Dealers| |6300|Insurance Underwriting, Premiums| |6399|Insurance - Default| |6513|Real Estate Agents and Managers - Rentals| |6530|Remote Stored Value Load - Merchant| |6540|Non-FI, Stored Value Card Purchase/Load| |7011|Hotels, Motels, and Resorts| |7012|Timeshares| |7032|Sporting/Recreation Camps| |7033|Trailer Parks, Campgrounds| |7210|Laundry, Cleaning Services| |7211|Laundries| |7216|Dry Cleaners| |7217|Carpet/Upholstery Cleaning| |7221|Photographic Studios| |7230|Barber and Beauty Shops| |7251|Shoe Repair/Hat Cleaning| |7261|Funeral Services, Crematories| |7273|Dating/Escort Services| |7276|Tax Preparation Services| |7277|Counselling Services| |7278|Buying/Shopping Services| |7296|Clothing Rental| |7297|Massage Parlors| |7298|Health and Beauty Spas| |7299|Miscellaneous General Services| |7311|Advertising Services| |7321|Credit Reporting Agencies| |7333|Commercial Photography, Art and Graphics| |7338|Quick Copy, Repro, and Blueprint| |7339|Secretarial Support Services| |7342|Exterminating Services| |7349|Cleaning and Maintenance| |7361|Employment/Temp Agencies| |7372|Computer Programming| |7375|Information Retrieval Services| |7379|Computer Repair| |7392|Consulting, Public Relations| |7393|Detective Agencies| |7394|Equipment Rental| |7395|Photo Developing| |7399|Miscellaneous Business Services| |7511|Truck Stop| |7512|Car Rental Agencies| |7513|Truck/Utility Trailer Rentals| |7519|Recreational Vehicle Rentals| |7523|Parking Lots, Garages| |7531|Auto Body Repair Shops| |7534|Tire Retreading and Repair| |7535|Auto Paint Shops| |7538|Auto Service Shops| |7542|Car Washes| |7549|Towing Services| |7622|Electronics Repair Shops| |7623|A/C, Refrigeration Repair| |7629|Small Appliance Repair| |7631|Watch/Jewellery Repair| |7641|Furniture Repair, Refinishing| |7692|Welding Repair| |7699|Miscellaneous Repair Shops| |7800|Government-Owned Lotteries (US Region only)| |7801|Government Licensed On-line Casinos (On-Line Gambling)(US Region only)| |7802|Government-Licensed Horse/Dog Racing (US Region only)| |7829|Picture/Video Production| |7832|Motion Picture Theaters| |7841|Video Tape Rental Stores| |7911|Dance Hall, Studios, Schools| |7922|Theatrical Ticket Agencies| |7929|Bands, Orchestras| |7932|Billiard/Pool Establishments| |7933|Bowling Alleys| |7941|Sports Clubs/Fields| |7991|Tourist Attractions and Exhibits| |7992|Golf Courses - Public| |7993|Video Amusement Game Supplies| |7994|Video Game Arcades| |7995|Betting/Casino Gambling| |7996|Amusement Parks/Carnivals| |7997|Country Clubs| |7998|Aquariums| |7999|Miscellaneous Recreation Services| |8011|Doctors| |8021|Dentists, Orthodontists| |8031|Osteopaths| |8041|Chiropractors| |8042|Optometrists, Ophthalmologist| |8043|Opticians, Eyeglasses| |8049|Chiropodists, Podiatrists| |8050|Nursing/Personal Care| |8062|Hospitals| |8071|Medical and Dental Labs| |8099|Medical Services| |8111|Legal Services, Attorneys| |8211|Elementary, Secondary Schools| |8220|Colleges, Universities| |8241|Correspondence Schools| |8244|Business/Secretarial Schools| |8249|Vocational/Trade Schools| |8299|Educational Services| |8351|Child Care Services| |8398|Charitable and Social Service Organizations - Fundraising| |8641|Civic, Social, Fraternal Associations| |8651|Political Organizations| |8661|Religious Organizations| |8675|Automobile Associations| |8699|Membership Organizations| |8734|Testing Laboratories| |8911|Architectural/Surveying Services| |8931|Accounting/Bookkeeping Services| |8999|Professional Services| |9211|Court Costs, Including Alimony and Child Support - Courts of Law| |9222|Fines - Government Administrative Entities| |9223|Bail and Bond Payments (payment to the surety for the bond, not the actual bond paid to the government agency)| |9311|Tax Payments - Government Agencies| |9399|Government Services (Not Elsewhere Classified)| |9402|Postal Services - Government Only| |9405|U.S. Federal Government Agencies or Departments| |9406|Government-Owned Lotteries (Non-US region)| |9702|Emergency Services (GCAS) (Visa use only)| |9950|Intra-Company Purchases| security: - bearerAuth: [] paths: "/clients": post: summary: Create Client tags: - Clients description: | The Zepto Clients API allows registration of clients who indirectly use the Zepto platform via your Zepto integration. Merchants are required to keep their sub-client details up to date with Zepto via the update client endpoint. parameters: [] responses: '201': description: successful content: application/json: schema: type: object required: - data properties: data: "$ref": "#/components/schemas/clients.client_response" '422': description: Unprocessable Entity content: application/json: examples: Generic validation error: summary: Generic validation error value: errors: - title: Validation Failed detail: params.type is missing schema: "$ref": "#/components/schemas/clients.errors" '401': description: unauthorized content: application/json: examples: Unauthorised access token: summary: Unauthorised access token value: errors: - title: Unauthorised access token detail: Access token is expired or not valid links: about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation schema: "$ref": "#/components/schemas/clients.errors" '403': description: forbidden '500': description: Internal Server Error requestBody: content: application/json: schema: "$ref": "#/components/schemas/clients.client_request" get: summary: List Clients tags: - Clients parameters: - name: per_page description: Number of results per page in: query schema: type: integer default: 20 minimum: 1 maximum: 100 - name: starting_after description: Opaque pagination cursor value. Set by following "next" links. in: query schema: type: string - name: legal_name description: Filter clients by legal name. The filtering is case insensitive and must match the beginning of the provided legal name. in: query schema: type: string - name: australian_business_number description: Filter clients by ABN. in: query schema: type: string responses: '422': description: Unprocessable Entity content: application/json: examples: Non integer per_page: summary: Non integer per_page value: errors: - title: Invalid request parameters detail: The `per_page` param is not valid. No record with ID matching starting_after param: summary: No record with ID matching starting_after param value: errors: - title: Invalid request parameters detail: Could not find a record for the given `starting_after` param. schema: "$ref": "#/components/schemas/clients.errors" '200': description: successful content: application/json: schema: "$ref": "#/components/schemas/clients.list" '401': description: unauthorized content: application/json: examples: Unauthorised access token: summary: Unauthorised access token value: errors: - title: Unauthorised access token detail: Access token is expired or not valid links: about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation schema: "$ref": "#/components/schemas/clients.errors" '403': description: forbidden '500': description: Internal Server Error parameters: - "$ref": "#/components/parameters/ZeptoAPIVersion" "/clients/{client_id}": parameters: - "$ref": "#/components/parameters/ZeptoAPIVersion" - name: client_id in: path required: true schema: type: string get: summary: Show Client tags: - Clients responses: '200': description: successful content: application/json: schema: type: object required: - data properties: data: "$ref": "#/components/schemas/clients.client_response" '404': description: Not Found '401': description: unauthorized content: application/json: examples: Unauthorised access token: summary: Unauthorised access token value: errors: - title: Unauthorised access token detail: Access token is expired or not valid links: about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation schema: "$ref": "#/components/schemas/clients.errors" '403': description: forbidden '500': description: Internal Server Error patch: summary: Update Client tags: - Clients description: There are certain attributes that cannot be updated here such as the ABN, ACN and MCC. Please reach out to the Zepto Compliance team (compliance@zepto.com.au) to have them updated. parameters: [] responses: '202': description: accepted '422': description: Unprocessable Entity content: application/json: schema: "$ref": "#/components/schemas/clients.errors" '404': description: not found '401': description: unauthorized content: application/json: examples: Unauthorised access token: summary: Unauthorised access token value: errors: - title: Unauthorised access token detail: Access token is expired or not valid links: about: https://docs.zeptopayments.com/docs/zepto-api#authentication-and-authorisation schema: "$ref": "#/components/schemas/clients.errors" '403': description: forbidden '500': description: Internal Server Error requestBody: content: application/json: schema: type: object "$ref": "#/components/schemas/clients.client_update_request" servers: - description: Zepto Sandbox url: https://api.sandbox.zeptopayments.com - description: Zepto Production url: https://api.zeptopayments.com components: securitySchemes: bearerAuth: type: http scheme: bearer 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. schemas: clients.client: type: object additionalProperties: false properties: australian_business_number: type: string description: The Australian Business Number (ABN) of the client. example: '12345678901' pattern: "\\A\\d{11}\\z" australian_company_number: type: string description: The Australian Company Number (ACN) of the client. example: '045678901' pattern: "\\A\\d{9}\\z" australian_credit_licence: type: string description: The Australian Credit Licence of the client (if applicable). example: '123456' australian_financial_services_licence: type: string description: The Australian Financial Services Licence of the client (if applicable). example: '777888999' austrac_number: type: string description: The AUSTRAC number of the client (if applicable). example: '1234567' business_names: type: array description: The business/trading names registered to the client's legal entity. For `individual` clients, this should be the client's legal name. items: type: string example: - Business Name 1 - Business Name 2 business_registration_date: type: string description: The business registration date of the client. format: date example: '2025-02-01' company_incorporation_date: type: string description: The company incorporation date of the client. format: date example: '2025-02-01' contact_information: type: object description: The contact information of the client. Required if RTP services requested. properties: contact_name: type: string description: 'The contact name for the client. Required if RTP services requested. ' example: Contact Name email: type: string description: The contact email address for the client. Required if RTP services requested. example: contact@example.com phone: type: string description: The contact phone number for the client. Required if RTP services requested. example: "+61400123456" pattern: "\\A[\\d\\s\\-\\+\\(\\)]+\\z" id: type: string description: The unique identifier of the client (UUIDv7). example: '01955dea-b445-7841-a145-77b4b2c00089' legal_name: type: string description: The legal name of the client. example: Legal Name Pty Ltd merchant_category_code: type: string description: The Merchant Category Code (MCC) of the client. enum: - '0742' - '0763' - '0780' - '1520' - '1711' - '1731' - '1740' - '1750' - '1761' - '1771' - '1799' - '2741' - '2791' - '2842' - '4011' - '4111' - '4112' - '4119' - '4121' - '4131' - '4214' - '4215' - '4225' - '4411' - '4457' - '4468' - '4511' - '4582' - '4722' - '4723' - '4784' - '4789' - '4812' - '4814' - '4816' - '4821' - '4829' - '4899' - '4900' - '5013' - '5021' - '5039' - '5044' - '5045' - '5046' - '5047' - '5051' - '5065' - '5072' - '5074' - '5085' - '5094' - '5099' - '5111' - '5122' - '5131' - '5137' - '5139' - '5169' - '5172' - '5192' - '5193' - '5198' - '5199' - '5200' - '5211' - '5231' - '5251' - '5261' - '5262' - '5271' - '5300' - '5309' - '5310' - '5311' - '5331' - '5399' - '5411' - '5422' - '5441' - '5451' - '5462' - '5499' - '5511' - '5521' - '5531' - '5532' - '5533' - '5541' - '5542' - '5551' - '5552' - '5561' - '5571' - '5592' - '5598' - '5599' - '5611' - '5621' - '5631' - '5641' - '5651' - '5655' - '5661' - '5681' - '5691' - '5697' - '5698' - '5699' - '5712' - '5713' - '5714' - '5718' - '5719' - '5722' - '5732' - '5733' - '5734' - '5735' - '5811' - '5812' - '5813' - '5814' - '5815' - '5816' - '5817' - '5818' - '5912' - '5921' - '5931' - '5932' - '5933' - '5935' - '5937' - '5940' - '5941' - '5942' - '5943' - '5944' - '5945' - '5946' - '5947' - '5948' - '5949' - '5950' - '5960' - '5962' - '5963' - '5964' - '5965' - '5966' - '5967' - '5968' - '5969' - '5970' - '5971' - '5972' - '5973' - '5975' - '5976' - '5977' - '5978' - '5983' - '5992' - '5993' - '5994' - '5995' - '5996' - '5997' - '5998' - '5999' - '6010' - '6011' - '6012' - '6051' - '6052' - '6053' - '6054' - '6055' - '6056' - '6057' - '6058' - '6059' - '6060' - '6061' - '6062' - '6063' - '6064' - '6065' - '6066' - '6211' - '6300' - '6399' - '6513' - '6530' - '6540' - '7011' - '7012' - '7032' - '7033' - '7210' - '7211' - '7216' - '7217' - '7221' - '7230' - '7251' - '7261' - '7273' - '7276' - '7277' - '7278' - '7296' - '7297' - '7298' - '7299' - '7311' - '7321' - '7333' - '7338' - '7339' - '7342' - '7349' - '7361' - '7372' - '7375' - '7379' - '7392' - '7393' - '7394' - '7395' - '7399' - '7511' - '7512' - '7513' - '7519' - '7523' - '7531' - '7534' - '7535' - '7538' - '7542' - '7549' - '7622' - '7623' - '7629' - '7631' - '7641' - '7692' - '7699' - '7800' - '7801' - '7802' - '7829' - '7832' - '7841' - '7911' - '7922' - '7929' - '7932' - '7933' - '7941' - '7991' - '7992' - '7993' - '7994' - '7995' - '7996' - '7997' - '7998' - '7999' - '8011' - '8021' - '8031' - '8041' - '8042' - '8043' - '8049' - '8050' - '8062' - '8071' - '8099' - '8111' - '8211' - '8220' - '8241' - '8244' - '8249' - '8299' - '8351' - '8398' - '8641' - '8651' - '8661' - '8675' - '8699' - '8734' - '8911' - '8931' - '8999' - '9211' - '9222' - '9223' - '9311' - '9399' - '9402' - '9405' - '9406' - '9702' - '9950' example: '6060' primary_bank_account_bban: type: string description: The primary bank account of the client. example: 123456-123123123 registered_address: type: string description: The registered address of the client. example: 123 Street, City, Country risk_level: type: string description: The risk level of the client according to agreed KYC/AML policies with Zepto. enum: - low - medium - high example: low services: type: object description: The access status of specific platform services provided by Zepto for the client. properties: de: type: string description: The DE service of the client. enum: - pending - active - suspended - off_boarded example: nullable: true payto: type: string description: The PayTo service of the client. enum: - pending - active - suspended - off_boarded example: active nullable: true rtp: type: string description: The RTP service of the client. enum: - pending - active - suspended - off_boarded example: pending nullable: true type: type: string description: The structure type of the client, either 'business' or 'individual'. enum: - business - individual example: business website_url: type: string description: The website URL of the client. example: https://example.com clients.client_business_request: type: object required: - australian_business_number - business_names - business_registration_date - legal_name - merchant_category_code - registered_address - risk_level - services - type - website_url additionalProperties: false properties: austrac_number: type: string description: The AUSTRAC number of the client (if applicable). example: '1234567' australian_business_number: type: string description: The Australian Business Number (ABN) of the client. example: '12345678901' pattern: "\\A\\d{11}\\z" australian_company_number: type: string description: The Australian Company Number(ACN) of the client. Corresponding `company_incorporation_date` is required when provided. example: '045678901' pattern: "\\A\\d{9}\\z" australian_credit_licence: type: string description: The Australian Credit Licence of the client (if applicable). example: '123456' australian_financial_services_licence: type: string description: The Australian Financial Services Licence of the client (if applicable). example: '777888999' business_names: type: array description: The business/trading names registered to the client's legal entity. items: type: string example: - Business Name 1 - Business Name 2 business_registration_date: type: string description: The business registration date of the client. format: date example: '2025-02-01' company_incorporation_date: type: string description: The company incorporation date of the client, must correspond to ACN registration. format: date example: '2025-02-01' contact_information: type: object description: The contact information of the client. Required if RTP services requested. properties: contact_name: type: string description: 'The contact name for the client. Required if RTP services requested. ' example: Contact Name email: type: string description: The contact email address for the client. Required if RTP services requested. example: contact@example.com phone: type: string description: The contact phone number for the client. Required if RTP services requested. example: "+61400123456" pattern: "\\A[\\d\\s\\-\\+\\(\\)]+\\z" legal_name: type: string description: The legal name of the client. example: Legal Name Pty Ltd merchant_category_code: type: string description: The Merchant Category Code (MCC) of the client. enum: - '0742' - '0763' - '0780' - '1520' - '1711' - '1731' - '1740' - '1750' - '1761' - '1771' - '1799' - '2741' - '2791' - '2842' - '4011' - '4111' - '4112' - '4119' - '4121' - '4131' - '4214' - '4215' - '4225' - '4411' - '4457' - '4468' - '4511' - '4582' - '4722' - '4723' - '4784' - '4789' - '4812' - '4814' - '4816' - '4821' - '4829' - '4899' - '4900' - '5013' - '5021' - '5039' - '5044' - '5045' - '5046' - '5047' - '5051' - '5065' - '5072' - '5074' - '5085' - '5094' - '5099' - '5111' - '5122' - '5131' - '5137' - '5139' - '5169' - '5172' - '5192' - '5193' - '5198' - '5199' - '5200' - '5211' - '5231' - '5251' - '5261' - '5262' - '5271' - '5300' - '5309' - '5310' - '5311' - '5331' - '5399' - '5411' - '5422' - '5441' - '5451' - '5462' - '5499' - '5511' - '5521' - '5531' - '5532' - '5533' - '5541' - '5542' - '5551' - '5552' - '5561' - '5571' - '5592' - '5598' - '5599' - '5611' - '5621' - '5631' - '5641' - '5651' - '5655' - '5661' - '5681' - '5691' - '5697' - '5698' - '5699' - '5712' - '5713' - '5714' - '5718' - '5719' - '5722' - '5732' - '5733' - '5734' - '5735' - '5811' - '5812' - '5813' - '5814' - '5815' - '5816' - '5817' - '5818' - '5912' - '5921' - '5931' - '5932' - '5933' - '5935' - '5937' - '5940' - '5941' - '5942' - '5943' - '5944' - '5945' - '5946' - '5947' - '5948' - '5949' - '5950' - '5960' - '5962' - '5963' - '5964' - '5965' - '5966' - '5967' - '5968' - '5969' - '5970' - '5971' - '5972' - '5973' - '5975' - '5976' - '5977' - '5978' - '5983' - '5992' - '5993' - '5994' - '5995' - '5996' - '5997' - '5998' - '5999' - '6010' - '6011' - '6012' - '6051' - '6052' - '6053' - '6054' - '6055' - '6056' - '6057' - '6058' - '6059' - '6060' - '6061' - '6062' - '6063' - '6064' - '6065' - '6066' - '6211' - '6300' - '6399' - '6513' - '6530' - '6540' - '7011' - '7012' - '7032' - '7033' - '7210' - '7211' - '7216' - '7217' - '7221' - '7230' - '7251' - '7261' - '7273' - '7276' - '7277' - '7278' - '7296' - '7297' - '7298' - '7299' - '7311' - '7321' - '7333' - '7338' - '7339' - '7342' - '7349' - '7361' - '7372' - '7375' - '7379' - '7392' - '7393' - '7394' - '7395' - '7399' - '7511' - '7512' - '7513' - '7519' - '7523' - '7531' - '7534' - '7535' - '7538' - '7542' - '7549' - '7622' - '7623' - '7629' - '7631' - '7641' - '7692' - '7699' - '7800' - '7801' - '7802' - '7829' - '7832' - '7841' - '7911' - '7922' - '7929' - '7932' - '7933' - '7941' - '7991' - '7992' - '7993' - '7994' - '7995' - '7996' - '7997' - '7998' - '7999' - '8011' - '8021' - '8031' - '8041' - '8042' - '8043' - '8049' - '8050' - '8062' - '8071' - '8099' - '8111' - '8211' - '8220' - '8241' - '8244' - '8249' - '8299' - '8351' - '8398' - '8641' - '8651' - '8661' - '8675' - '8699' - '8734' - '8911' - '8931' - '8999' - '9211' - '9222' - '9223' - '9311' - '9399' - '9402' - '9405' - '9406' - '9702' - '9950' example: '6060' primary_bank_account_bban: type: string description: The primary bank account of the client. example: 123456-123123123 registered_address: type: string description: The registered address of the client. example: 123 Street, City, Country risk_level: type: string description: The risk level of the client according to agreed KYC/AML policies with Zepto. enum: - low - medium - high example: low type: type: string description: The structure type of the client, either 'business' or 'individual'. This will alter which fields are required. enum: - business - individual example: business website_url: type: string description: The website URL of the client. example: https://example.com services: type: array description: Platform services provided by Zepto that the client requires access to. Sub-clients can only use services enabled on the parent account.
PayTo - Includes PayTo mandates and payments
RTP - Includes PayID payments, payouts and refunds
DE - Includes Direct Debit payment requests and Direct Credit payouts
items: type: string enum: - payto - rtp - de clients.client_individual_request: type: object required: - business_names - legal_name - merchant_category_code - registered_address - risk_level - services - type additionalProperties: false properties: business_names: type: array description: For `individual` clients, provide the client's legal name. items: type: string example: - Business Name 1 - Business Name 2 contact_information: type: object description: The contact information of the client. Required if RTP services requested. properties: contact_name: type: string description: 'The contact name for the client. Required if RTP services requested. ' example: Contact Name email: type: string description: The contact email address for the client. Required if RTP services requested. example: contact@example.com phone: type: string description: The contact phone number for the client. Required if RTP services requested. example: "+61400000000" pattern: "\\A[\\d\\s\\-\\+\\(\\)]+\\z" legal_name: type: string description: The legal name of the client. example: Legal Name Pty Ltd merchant_category_code: type: string description: The Merchant Category Code (MCC) of the client. enum: - '0742' - '0763' - '0780' - '1520' - '1711' - '1731' - '1740' - '1750' - '1761' - '1771' - '1799' - '2741' - '2791' - '2842' - '4011' - '4111' - '4112' - '4119' - '4121' - '4131' - '4214' - '4215' - '4225' - '4411' - '4457' - '4468' - '4511' - '4582' - '4722' - '4723' - '4784' - '4789' - '4812' - '4814' - '4816' - '4821' - '4829' - '4899' - '4900' - '5013' - '5021' - '5039' - '5044' - '5045' - '5046' - '5047' - '5051' - '5065' - '5072' - '5074' - '5085' - '5094' - '5099' - '5111' - '5122' - '5131' - '5137' - '5139' - '5169' - '5172' - '5192' - '5193' - '5198' - '5199' - '5200' - '5211' - '5231' - '5251' - '5261' - '5262' - '5271' - '5300' - '5309' - '5310' - '5311' - '5331' - '5399' - '5411' - '5422' - '5441' - '5451' - '5462' - '5499' - '5511' - '5521' - '5531' - '5532' - '5533' - '5541' - '5542' - '5551' - '5552' - '5561' - '5571' - '5592' - '5598' - '5599' - '5611' - '5621' - '5631' - '5641' - '5651' - '5655' - '5661' - '5681' - '5691' - '5697' - '5698' - '5699' - '5712' - '5713' - '5714' - '5718' - '5719' - '5722' - '5732' - '5733' - '5734' - '5735' - '5811' - '5812' - '5813' - '5814' - '5815' - '5816' - '5817' - '5818' - '5912' - '5921' - '5931' - '5932' - '5933' - '5935' - '5937' - '5940' - '5941' - '5942' - '5943' - '5944' - '5945' - '5946' - '5947' - '5948' - '5949' - '5950' - '5960' - '5962' - '5963' - '5964' - '5965' - '5966' - '5967' - '5968' - '5969' - '5970' - '5971' - '5972' - '5973' - '5975' - '5976' - '5977' - '5978' - '5983' - '5992' - '5993' - '5994' - '5995' - '5996' - '5997' - '5998' - '5999' - '6010' - '6011' - '6012' - '6051' - '6052' - '6053' - '6054' - '6055' - '6056' - '6057' - '6058' - '6059' - '6060' - '6061' - '6062' - '6063' - '6064' - '6065' - '6066' - '6211' - '6300' - '6399' - '6513' - '6530' - '6540' - '7011' - '7012' - '7032' - '7033' - '7210' - '7211' - '7216' - '7217' - '7221' - '7230' - '7251' - '7261' - '7273' - '7276' - '7277' - '7278' - '7296' - '7297' - '7298' - '7299' - '7311' - '7321' - '7333' - '7338' - '7339' - '7342' - '7349' - '7361' - '7372' - '7375' - '7379' - '7392' - '7393' - '7394' - '7395' - '7399' - '7511' - '7512' - '7513' - '7519' - '7523' - '7531' - '7534' - '7535' - '7538' - '7542' - '7549' - '7622' - '7623' - '7629' - '7631' - '7641' - '7692' - '7699' - '7800' - '7801' - '7802' - '7829' - '7832' - '7841' - '7911' - '7922' - '7929' - '7932' - '7933' - '7941' - '7991' - '7992' - '7993' - '7994' - '7995' - '7996' - '7997' - '7998' - '7999' - '8011' - '8021' - '8031' - '8041' - '8042' - '8043' - '8049' - '8050' - '8062' - '8071' - '8099' - '8111' - '8211' - '8220' - '8241' - '8244' - '8249' - '8299' - '8351' - '8398' - '8641' - '8651' - '8661' - '8675' - '8699' - '8734' - '8911' - '8931' - '8999' - '9211' - '9222' - '9223' - '9311' - '9399' - '9402' - '9405' - '9406' - '9702' - '9950' example: '6060' primary_bank_account_bban: type: string description: The primary bank account of the client. example: 123456-123123123 registered_address: type: string description: The registered address of the client. example: 123 Street, City, Country risk_level: type: string description: The risk level of the client according to agreed KYC/AML policies with Zepto. enum: - low - medium - high example: low services: type: array description: Platform services provided by Zepto that the client requires access to. Sub-clients can only use services enabled on the parent account.
`rtp` is not available for `individual` types. properties: de: type: string description: The DE service of the client. enum: - pending - active - suspended - off_boarded example: nullable: true payto: type: string description: The PayTo service of the client. enum: - pending - active - suspended - off_boarded example: active nullable: true rtp: type: string description: The RTP service of the client. enum: - pending - active - suspended - off_boarded example: pending nullable: true items: type: string enum: - payto - rtp - de type: type: string description: The structure type of the client, either 'business' or 'individual'. This will alter which fields are required. Type `individual` is restricted by default, please contact Zepto for information on enabling. enum: - business - individual example: business clients.client_request: type: object oneOf: - "$ref": "#/components/schemas/clients.client_business_request" - "$ref": "#/components/schemas/clients.client_individual_request" discriminator: propertyName: type mapping: business: "#/components/schemas/clients.client_business_request" individual: "#/components/schemas/clients.client_individual_request" clients.client_response: type: object additionalProperties: false properties: austrac_number: type: string description: The AUSTRAC number of the client (if applicable). example: '1234567' nullable: true australian_business_number: type: string description: The Australian Business Number (ABN) of the client. example: '12345678901' pattern: "\\A\\d{11}\\z" nullable: true australian_company_number: type: string description: The Australian Company Number (ACN) of the client. example: '045678901' pattern: "\\A\\d{9}\\z" nullable: true australian_credit_licence: type: string description: The Australian Credit Licence of the client (if applicable). example: '123456' nullable: true australian_financial_services_licence: type: string description: The Australian Financial Services Licence of the client (if applicable). example: '777888999' nullable: true business_names: type: array description: The business/trading names registered to the client's legal entity. For `individual` clients, this should be the client's legal name. items: type: string example: - Business Name 1 - Business Name 2 business_registration_date: type: string description: The business registration date of the client. format: date example: '2025-02-01' nullable: true company_incorporation_date: type: string description: The company incorporation date of the client. format: date example: '2025-02-01' nullable: true contact_information: type: object description: The contact information of the client. Required if RTP services requested. properties: contact_name: type: string description: 'The contact name for the client. Required if RTP services requested. ' example: Contact Name nullable: true email: type: string description: The contact email address for the client. Required if RTP services requested. example: contact@example.com nullable: true phone: type: string description: The contact phone number for the client. Required if RTP services requested. example: "+61400123456" pattern: "\\A[\\d\\s\\-\\+\\(\\)]+\\z" nullable: true id: type: string description: The unique identifier of the client (UUIDv7). example: '01955dea-b445-7841-a145-77b4b2c00089' legal_name: type: string description: The legal name of the client. example: Legal Name Pty Ltd merchant_category_code: type: string description: The Merchant Category Code (MCC) of the client. enum: - '0742' - '0763' - '0780' - '1520' - '1711' - '1731' - '1740' - '1750' - '1761' - '1771' - '1799' - '2741' - '2791' - '2842' - '4011' - '4111' - '4112' - '4119' - '4121' - '4131' - '4214' - '4215' - '4225' - '4411' - '4457' - '4468' - '4511' - '4582' - '4722' - '4723' - '4784' - '4789' - '4812' - '4814' - '4816' - '4821' - '4829' - '4899' - '4900' - '5013' - '5021' - '5039' - '5044' - '5045' - '5046' - '5047' - '5051' - '5065' - '5072' - '5074' - '5085' - '5094' - '5099' - '5111' - '5122' - '5131' - '5137' - '5139' - '5169' - '5172' - '5192' - '5193' - '5198' - '5199' - '5200' - '5211' - '5231' - '5251' - '5261' - '5262' - '5271' - '5300' - '5309' - '5310' - '5311' - '5331' - '5399' - '5411' - '5422' - '5441' - '5451' - '5462' - '5499' - '5511' - '5521' - '5531' - '5532' - '5533' - '5541' - '5542' - '5551' - '5552' - '5561' - '5571' - '5592' - '5598' - '5599' - '5611' - '5621' - '5631' - '5641' - '5651' - '5655' - '5661' - '5681' - '5691' - '5697' - '5698' - '5699' - '5712' - '5713' - '5714' - '5718' - '5719' - '5722' - '5732' - '5733' - '5734' - '5735' - '5811' - '5812' - '5813' - '5814' - '5815' - '5816' - '5817' - '5818' - '5912' - '5921' - '5931' - '5932' - '5933' - '5935' - '5937' - '5940' - '5941' - '5942' - '5943' - '5944' - '5945' - '5946' - '5947' - '5948' - '5949' - '5950' - '5960' - '5962' - '5963' - '5964' - '5965' - '5966' - '5967' - '5968' - '5969' - '5970' - '5971' - '5972' - '5973' - '5975' - '5976' - '5977' - '5978' - '5983' - '5992' - '5993' - '5994' - '5995' - '5996' - '5997' - '5998' - '5999' - '6010' - '6011' - '6012' - '6051' - '6052' - '6053' - '6054' - '6055' - '6056' - '6057' - '6058' - '6059' - '6060' - '6061' - '6062' - '6063' - '6064' - '6065' - '6066' - '6211' - '6300' - '6399' - '6513' - '6530' - '6540' - '7011' - '7012' - '7032' - '7033' - '7210' - '7211' - '7216' - '7217' - '7221' - '7230' - '7251' - '7261' - '7273' - '7276' - '7277' - '7278' - '7296' - '7297' - '7298' - '7299' - '7311' - '7321' - '7333' - '7338' - '7339' - '7342' - '7349' - '7361' - '7372' - '7375' - '7379' - '7392' - '7393' - '7394' - '7395' - '7399' - '7511' - '7512' - '7513' - '7519' - '7523' - '7531' - '7534' - '7535' - '7538' - '7542' - '7549' - '7622' - '7623' - '7629' - '7631' - '7641' - '7692' - '7699' - '7800' - '7801' - '7802' - '7829' - '7832' - '7841' - '7911' - '7922' - '7929' - '7932' - '7933' - '7941' - '7991' - '7992' - '7993' - '7994' - '7995' - '7996' - '7997' - '7998' - '7999' - '8011' - '8021' - '8031' - '8041' - '8042' - '8043' - '8049' - '8050' - '8062' - '8071' - '8099' - '8111' - '8211' - '8220' - '8241' - '8244' - '8249' - '8299' - '8351' - '8398' - '8641' - '8651' - '8661' - '8675' - '8699' - '8734' - '8911' - '8931' - '8999' - '9211' - '9222' - '9223' - '9311' - '9399' - '9402' - '9405' - '9406' - '9702' - '9950' example: '6060' primary_bank_account_bban: type: string description: The primary bank account of the client. example: 123456-123123123 nullable: true registered_address: type: string description: The registered address of the client. example: 123 Street, City, Country risk_level: type: string description: The risk level of the client according to agreed KYC/AML policies with Zepto. enum: - low - medium - high example: low services: type: object description: The access status of specific platform services provided by Zepto for the client. properties: de: type: string description: The DE service of the client. enum: - pending - active - suspended - off_boarded example: nullable: true payto: type: string description: The PayTo service of the client. enum: - pending - active - suspended - off_boarded example: active nullable: true rtp: type: string description: The RTP service of the client. enum: - pending - active - suspended - off_boarded example: pending nullable: true type: type: string description: The structure type of the client, either 'business' or 'individual'. enum: - business - individual example: business website_url: type: string description: The website URL of the client. example: https://example.com nullable: true clients.client_update_request: type: object additionalProperties: false properties: business_names: type: array description: The business/trading names registered to the client's legal entity. For `individual` clients, this should be the client's legal name. items: type: string example: - Business Name 1 - Business Name 2 contact_information: type: object description: The contact information of the client. Required if RTP services requested. properties: contact_name: type: string description: 'The contact name for the client. Required if RTP services requested. ' example: Contact Name email: type: string description: The contact email address for the client. Required if RTP services requested. example: contact@example.com phone: type: string description: The contact phone number for the client. Required if RTP services requested. example: "+61400123456" pattern: "\\A[\\d\\s\\-\\+\\(\\)]+\\z" legal_name: type: string description: The legal name of the client. example: Legal Name Pty Ltd registered_address: type: string description: The registered address of the client. example: 123 Street, City, Country website_url: type: string description: The website URL of the client. example: https://example.com clients.errors: type: object properties: errors: type: array minItems: 1 items: type: object additionalProperties: false properties: title: type: string example: Title of error detail: type: string description: A short description of the error example: Description of error links: type: object properties: about: type: string description: An optional link to more information on the error example: https://docs.zeptopayments.com/docs/zepto-environments required: - about nullable: true required: - title - detail required: - errors clients.list: type: object properties: links: type: object properties: next: type: string description: URL for next page of results. Won't be present if there are no further pages. example: {} data: type: array items: "$ref": "#/components/schemas/clients.client_response"