Zepto processed ~$88 billion across 88 million transactions in FY26.
The NPP now carries roughly 30% of all account-to-account transactions in Australia — 1.86 billion transactions worth $1.99 trillion a year (Source).
Total value of PayTo payments reached $3.93 billion ecosystem-wide in FY26 — up 148.6% in value, and 135.9% in volume, year-on-year.
Zepto Flow is a plug-and-play, embeddable checkout integration that enables pay-by-bank offerings like PayTo and PayID directly within a checkout experience styled to match your brand — not ours.
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Zepto Validate can help protect against scams and mistaken payments. It checks the account name, BSB and account number entered against the data held by the recipient bank, and provides an instant match outcome.
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"As we move towards a world where everything is managed through the device in our pocket, we see the New Payments Platform and partners like Zepto as integral to the future of payments."
Zepto wasn’t built in a bank board room. We were born out of a Byron Bay skydiving business, where our founders experienced the pain of slow settlements, high scheme fees, and broken payment flows firsthand.
“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 had been merchants ourselves. Payments had frustrated us immensely – perhaps more than anything else in business.”
Matt Cheers
Co-founder & CEO
You don’t need to replace every payment rail overnight. You need the right rail for the right job. Let's look at your transaction flows and map a practical account-to-account payment strategy ahead of the 1 October changes.
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