In the fast-evolving world of real-time payments, Zepto is redefining how businesses approach account-to-account payment solutions.
Justin Steer, Head of Solutions at Zepto, recently shared insights into the company’s approach to delivering tailored payment services that empower merchants of all sizes. Here’s a look at how Zepto stands out in the fintech landscape.
A Personalized Approach to Payments
At the heart of Zepto’s strategy is a deep commitment to understanding each customer’s unique needs. By engaging directly with key technical stakeholders, such as CTOs and product managers, Zepto ensures its solutions are not only technically robust but also highly relevant.
“We’re really able to understand our customers' use cases and then build out and design solutions that are fit for purpose,” Justin explained.
This customer-centric philosophy allows Zepto to adapt its offerings based on the size and complexity of the merchant, whether it’s an SME needing rapid onboarding or a large enterprise requiring advanced functionality and scalability.
Tailored Solutions for Diverse Merchant Needs
Zepto’s ability to cater to varied requirements is one of its standout qualities. For some merchant customers, the focus is on speed and simplicity. Zepto optimises workflows, ensuring businesses can quickly integrate and start processing payments.
For larger enterprises, the conversation shifts to more sophisticated product functionalities and the execution of complex, large-scale projects. Reliability, scalability, and a secure, low-latency experience are key factors.
“In some instances, reliability is always paramount. In others, security or speed might take precedence,” Justin noted.
Empowering Innovation with Unique Technology
Zepto’s tech stack sets it apart in the payment space. As a Connected Institution (CI) on the New Payments Platform (NPP), Zepto bridges the gap between traditional bank and modern fintech capabilities.
“Typically, only banks or ADIs have been able to directly connect to the NPP. Zepto’s position as a Connected Institution allows us to deliver banking-grade services while maintaining the agility and integration experience expected from a fintech,” Justin shared.
This dual capability ensures that merchants benefit from a secure, reliable, cloud-based platform that’s nimble enough to adapt to evolving use cases.
Scalability and Future-Ready Solutions
Handling scale and reliability on the NPP is a core strength of Zepto. By over-resourcing and closely monitoring payment rail data, Zepto ensures it can quickly respond to increasing transaction volumes while maintaining top-tier performance.
Justin highlighted two pillars of this strategy:
- Proactive Resourcing: Maintaining capacity to handle rapid growth and ensure low-latency service.
- Future Planning: Anticipating merchant needs by analysing adoption trends and specific use cases.
This forward-thinking approach extends to how Zepto collaborates with merchants during the solutioning phase, ensuring both parties are aligned for seamless integration and growth.
Modular and Efficient Integration
One of Zepto’s major advantages is the simplicity of its integration process. Merchants often express surprise at how quickly they can spin up solutions using PayTo, PayID, and other account-to-account services.
“We offer a modular-based integration experience, making it easy to start with simple use cases and build upon that foundation as payment flows become more complex,” Justin said.
This flexibility ensures businesses can scale their payment capabilities efficiently, adapting to their evolving needs without disruption.
The Final Word
Zepto is leading the way in redefining account-to-account payments, delivering cutting-edge solutions tailored to merchant needs. By combining a customer-first approach with innovative technology, Zepto ensures that businesses and organisations have the tools they need to succeed in an increasingly fast-paced payments environment.
Whether it’s speed, security, or scalability, Zepto has positioned itself as a trusted partner for merchants seeking reliable and future-ready payment solutions.
Watch our full interview with Justin below.