The New Payments Platform

PayTo is a modern way for businesses to collect payments from their customers’ bank accounts and have them settle in real time, all the time. It's sometimes described as an always-on, instant direct debit. But we think it's much more than that. Get to know PayTo more HERE.

Zepto is a directly Connected Institution [CI] on the NPP for PayTo.

Enterprise PayID is Zepto’s flagship instant-funds transfer solution. It supercharges millions of transactions each day with the unique capability to activate thousands of PayIDs instantaneously.

Zepto merchant customers can create a unique PayID for every customer to facilitate instant, easy payments and accurate, automated reconciliation. Get to know Zepto's PayID capabilities HERE.

With Zepto’s low cost, high speed, resilient NPP payment solutions, businesses can configure high-volume, time-critical, end-to-end payment flows that flex & scale. When complex enterprise payment flows are at play, every zeptosecond counts.

NPP payments are near instant, data-rich and can be made at any hour of the day, seven days a week, 365 days of the year. Operating at the speed of the digital economy and our online lives, they deliver real-time digital payments experience consumers expect, and the efficiencies that business needs.

As NPP payments can process, settle and reconcile in seconds, recipients can have immediate use of funds improving cash flow.

NPP payments can carry up to 280 characters of reference text for a better customer experience.

They can be cost effective, too, compared to other payment methods.

Learn more HERE.

There are many different ways organisations can access the NPP, including:

• Participant
• Settlement Participant
• Identified Institution
• Connected Institution
• Overlay Service Provider
• More here.

Zepto is connected to the real-time payment rails of the NPP in two ways:

> Directly connected as a Connected Institution [CI] for PayTo.
> Wholesale access to the NPP as an NPP Participant.

As the first non-authorised deposit-taking institution (ADI) approved to connect directly to the NPP as a ‘Connected Institution’ for PayTo, Zepto is a trusted payments infrastructure player and a pioneering force in modernising payment experiences.

Zepto powers payments for numerous large enterprises attracted to our blend of fintech agility, accessibility and support underpinned by enterprise grade infrastructure that delivers extensibility, security and stability.

Zepto sits at the intersection of real-time payments and data, with a clear view of "what's possible" when it comes to real-time, account-to-account payments for enterprise.

We firmly believe that the business battles of tomorrow will be won with payments technology that's available today.

Click HERE for a real-time view of our API status and uptime.

Built as a RESTful API using JSON as its data-interchange format, Zepto's API is aligned to ISO 20022 enabling standardisation, automation, improved reporting and carriage of data-rich payments, all of which are supported by the ISO 20022 messaging standard.

Zepto is proudly ISO/IEC 27001 certified for information security, cybersecurity and privacy protection. Read more about the Zepto platform HERE.

We believe great customer experience is everything, and that NPP payments can deepen the customer-merchant relationship, drive trust, loyalty and elevate customer experience.

Unencumbered by legacy technology and thinking, Zepto has built a Financial Cloud Service that sits atop an interchangeable orchestration layer of payment and data channels.

That means no 'legacy', and no batch processing. Just modern enterprise-grade payment infrastructure designed to meet modern customer expectations of the real-time, digital economy.