SLOW money

SMART money

The API

Equally compatible with new and old tech stacks, Zepto's modern payments API is scalable, composable and most importantly, easy to integrate. It's configurable and customisable, highly performant, secure and transparent.

"Zepto's API has been very easy to understand and integrate with because it follows the industry's best practices, making the developer experience a benchmark across the payments landscape. The documentation is easy to navigate and contains detailed guides, examples and explanations on various scenarios that make initial and ongoing integrations easy for our team."
Jack Dinh Product Manager, Ailo
"The API has been almost entirely self-service, giving us full control. We can manage the entire end-to-end integration ourselves which includes everything from token and scope management through to making money move in the real world. It's comforting, too, to know that Zepto continually makes improvements to its API, not just in terms of new features but also the constant improvements to its scalability and performance as well."
Jack Dinh Product Manager, Ailo
"The API is easy to use, and the documentation is clear and consistently up-to-date. I really like the sandbox simulate feature – it allows for scenario testing and enables an easier flow for our dev and UAT QA testing."
Stanley Sim Tech Lead, pay.com.au
"I also like Zepto's idempotency key header feature. Having this short-lived idempotency key is perfect for our use case, as we use a full event-based asynchronous payments flow. Zepto's people are also very helpful on our questions and requests, and it makes developing and maintenance of the feature easier in the long run."
Stanley Sim Tech Lead, pay.com.au
"It is pleasant work integrating with the Zepto API. The detailed documentation and modern API follows best practices and provides Swagger/OpenAPI definition which reduces the integration effort significantly. The Zepto merchant portal has abundant functions that enable developers to configure their application efficiently, and the API reference portal is well-organised with sufficient request/response examples."
Cong Ma Technical Lead, Pointsbet
"The most enjoyable thing about integrating with Zepto is the speed to market. The API not only accelerates the integration work, but also enables us to release features with very few bugs."
Cong Ma Technical Lead, Pointsbet
"Zepto's API has been very easy to understand and integrate with because it follows the industry's best practices, making the developer experience a benchmark across the payments landscape. The documentation is easy to navigate and contains detailed guides, examples and explanations on various scenarios that make initial and ongoing integrations easy for our team."
Jack Dinh Product Manager, Ailo
"The API has been almost entirely self-service, giving us full control. We can manage the entire end-to-end integration ourselves which includes everything from token and scope management through to making money move in the real world. It's comforting, too, to know that Zepto continually makes improvements to its API, not just in terms of new features but also the constant improvements to its scalability and performance as well."
Jack Dinh Product Manager, Ailo
"The API is easy to use, and the documentation is clear and consistently up-to-date. I really like the sandbox simulate feature – it allows for scenario testing and enables an easier flow for our dev and UAT QA testing."
Stanley Sim Tech Lead, pay.com.au
"I also like Zepto's idempotency key header feature. Having this short-lived idempotency key is perfect for our use case, as we use a full event-based asynchronous payments flow. Zepto's people are also very helpful on our questions and requests, and it makes developing and maintenance of the feature easier in the long run."
Stanley Sim Tech Lead, pay.com.au
"It is pleasant work integrating with the Zepto API. The detailed documentation and modern API follows best practices and provides Swagger/OpenAPI definition which reduces the integration effort significantly. The Zepto merchant portal has abundant functions that enable developers to configure their application efficiently, and the API reference portal is well-organised with sufficient request/response examples."
Cong Ma Technical Lead, Pointsbet
"The most enjoyable thing about integrating with Zepto is the speed to market. The API not only accelerates the integration work, but also enables us to release features with very few bugs."
Cong Ma Technical Lead, Pointsbet

From A-to-B faster than you can say 'Zepto'

The Zepto Way

In the modern digital economy, the movement of funds from one point to the next should be instant, secure and seamless. Our payments API is a culmination of first-hand experience with outdated payment systems, and knowing what it’s like to integrate with clunky apps. Through a single API integration, your business can unlock a toolkit of solutions from which to assemble bespoke payment flows using nothing more than bank accounts. It's your gateway to a better way to pay.

The Zepto Way

01

An engineer-first approach

Inspired by the likes of Stripe, our engineers built Zepto’s world-class payments API for those who’d be interacting with it the most — engineers. We know exactly what it takes for an engineer to look at an API and understand its effectiveness, and this has driven our approach since day one. A seamless experience will have a ripple effect on your business. We see this common trend across our customer base, no matter the use case

02

Roots grounded in fintech

Zepto is more than a fintech. But our fintech roots and customer focus have driven the development of a modern payments API that opens up a unique set of access points to Australia's A2A payments infrastructure. It is designed to enable improvements and new features to be seamlessly implemented, which allows your business to make use of such changes without interruption. As payments-obsessed people, we believe the movement of value should be as seamless as possible. We’ve been there, and we know what clunky payment experiences look like — so we fixed it.

Curate it your way

We've made it easy for you and your business to curate your own experience and payment flow via our system. We understand that some merchants aren’t bothered by the minutiae of the payment flow. Others, however, have a granular interest in the underlying messages that deliver the full power and flexibility provided by the infrastructure layer. The Zepto API caters to both, seamlessly.

Learn in the sandbox

We’ve always taken the view that integrating with payments should be simple. Before we built our real-time payments API, connecting with any sort of A2A payment flow was difficult, and documentation was poor or hidden by legacy process. Developed using clear, modern standards, our publicly available API documentation is simple to consume, and anyone can play in the Zepto sandbox. Understanding and using our API and heuristics is super simple.

"Inspired by Stripe, Zepto looks at tech through an 'engineers first' lens. And having been merchants that wrestled with legacy payment offerings ourselves, we fundamentally get it. We see merchants where they're at, and we meet them there, because we've been there. We give you this incredible tool to build out the way you want. We don't force business rules upon you. We make it incredibly easy for you to curate your own experiences in your own payment flows — perfect for fintechs right up to large enterprises and 3rd-party payment partners."
Ian Lennie Co-Founder & Executive Director, Zepto
"We wanted to make sure that the API docs needed only be a nice little bonus. Technically you shouldn't really feel like you need them too much. The API should be very intuitive and natural. You can just look at all the end points you can use, and easily put the pieces of the puzzle together. So, it's easy to start and to use — quite light touch. Then for the bigger end of enterprise town, all the underlying messages are available that deliver the full power and flexibility provided by the infrastructure layer."
Trevor Wistaff Co-Founder & Executive Director, Zepto
"The advantage we had from the get-go is that we didn't start out as bankers trying to solve a merchant problem. We started with an intimate understanding of what merchants need because we started off as merchants ourselves. Payments had frustrated us immensely–perhaps more than anything else in business."
Matt Cheers Co-Founder & Board Chair, Zepto
"Inspired by Stripe, Zepto looks at tech through an 'engineers first' lens. And having been merchants that wrestled with legacy payment offerings ourselves, we fundamentally get it. We see merchants where they're at, and we meet them there, because we've been there. We give you this incredible tool to build out the way you want. We don't force business rules upon you. We make it incredibly easy for you to curate your own experiences in your own payment flows — perfect for fintechs right up to large enterprises and 3rd-party payment partners."
Ian Lennie Co-Founder & Executive Director, Zepto
"We wanted to make sure that the API docs needed only be a nice little bonus. Technically you shouldn't really feel like you need them too much. The API should be very intuitive and natural. You can just look at all the end points you can use, and easily put the pieces of the puzzle together. So, it's easy to start and to use — quite light touch. Then for the bigger end of enterprise town, all the underlying messages are available that deliver the full power and flexibility provided by the infrastructure layer."
Trevor Wistaff Co-Founder & Executive Director, Zepto
"The advantage we had from the get-go is that we didn't start out as bankers trying to solve a merchant problem. We started with an intimate understanding of what merchants need because we started off as merchants ourselves. Payments had frustrated us immensely–perhaps more than anything else in business."
Matt Cheers Co-Founder & Board Chair, Zepto

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