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Solutions/Zepto Validate

Safer Payments with Zepto Validate

Confirmation of Payee + Zepto’s proprietary intelligence.

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Protect Your Money

Zepto is committed to making payments safer for you and your customers. That’s why we’ve created Zepto Validate, a name verification service that builds on Confirmation of Payee (CoP). 

CoP was launched by Australian Payments Plus (AP+) and Australia’s banking industry in July 2025 to provide an extra layer of protection against scams and mistaken payments by checking the account name, BSB and account number entered against the bank details held by the recipient’s bank.

Zepto Validate takes CoP even further.

01Safer Payments

MEET ZEPTO VALIDATE

See how Zepto Validate builds on Confirmation of Payee for deeper insights that can help protect against scams and mistaken payments.

Zepto Validate extends the name matching capabilities of Confirmation of Payee by overlaying Zepto’s proprietary payment intelligence for deeper insights.

Zepto Validate

Zepto Validate blends CoP with proprietary intelligence to help protect against scams and mistaken payments.

CoP checks the account name, BSB and account number against the data held by the recipient bank, and provides an instant match outcome. Zepto Validate overlays proprietary payment intelligence to provide:

  • A risk score tuned to the merchant’s vertical.
  • A suggested payment channel for that particular account.
  • A simple joint account indicator to further help decision making.

The service is accessible via the Zepto API.

Why it Matters to Your Business

In today’s digital landscape, scams and misdirected payments are a growing threat. Zepto Validate provides crucial layers of defence, offering:

Enhanced Security

Help protect your business from sophisticated scams like business email compromise and reduce financial losses due to human error.

Increased Confidence

Gain peace of mind knowing that your payments are coming from — and going to — the intended person or business, every time.

Streamlined Operations

Avoid the time-consuming and costly process of recovering misdirected funds.

Improved Customer Experience

For businesses making payments (e.g., refunds, payouts), enhance the security experience for customers during the payment process, building trust and satisfaction.

Key Use Cases for Merchants

Zepto Validate is designed to enhance payment security and reduce scams by verifying recipient account details, and providing intelligent signals before funds are transferred.

Verifying Customer Deposits

Businesses in finance, such as share trading platforms, can use Zepto Validate to verify the source of funds when customers make deposits, ensuring payments are from legitimate accounts and reducing fraud risks.

Onboarding New Employees

Companies can confirm new employees' bank accounts for salary payments, preventing misdirection or rejection of wages due to incorrect details or scams.

Processing Customer Refunds

When a refund cannot be returned to the original payment source (e.g., expired card), Zepto Validate allows merchants to verify a customer's alternative bank account, ensuring the refund reaches the intended recipient and improving customer trust.

B2B Payments

When paying suppliers or other businesses, Zepto Validate provides an additional layer of security, confirming the business name matches the account details, which is especially useful given businesses often trade under different names.

General Invoice Payments

For any invoice payment, Zepto Validate helps ensure the money is sent to the intended payee, mitigating the risk of invoice redirection scams where fraudsters alter bank details.

Available now, Zepto Validate aims to reduce scam losses and mistaken payments, providing greater confidence for both businesses and consumers. Zepto Validate is available as a standalone service.

How Zepto Validate Works

01

Enter Details

Simply enter the BSB, account number, and account name of your payee or payer.

02

Instant Verification

CoP automatically validates these details against the recipient's bank records.

03

Match Outcome

You'll immediately receive one of the following outcomes:

  • Match: The entered details align with the recipient’s bank records.
  • Close Match: The entered details are very similar but might have minor variations.
  • No Match: The entered details do not match the recipient's bank records.
  • Error: The service could not confirm the details.
  • Account Closed: The recipient's account is no longer active.
04

Deeper Insights

Zepto Validate's proprietary payment intelligence overlay presents:

  • A risk score tuned to the merchant’s vertical, factoring in a bank account’s standing, tenure, historic fraud signals and more.
  • Suggested payment channel that recommends the most reliable account-to-account channel to use for that particular account.
  • Joint account indicator to further help decision making.
05

Your Decision

Based on the match outcome and deeper insights, you can confidently proceed with the payment, adjust the details, or stop the transaction if something looks suspicious.

01Match Outcome

No Match

The entered details do not match the recipient's bank records.

02Match Outcome

Close Match

The entered details are very similar but might have minor variations.

03Match Outcome

Match

The entered details align with the recipient’s bank records.

"It's easy to make mistakes when you're moving payroll data. Zepto Validate reduces the stress, and creates peace of mind during the first few pay runs, which is the key time for us to provide that support. Roughly half million Aussies now benefit from our bank account verification offering via Zepto Validate."
Josh Cameron Chief Strategy Officer, Tanda
“This partnership with Zepto and OK2Pay is exciting as it will help our customers mitigate the risk of errors and bank account compromise in real time. With Zepto, OK2Pay will now be able to speed up the verification time, exponentially increase confidence levels when verifying and making payments, and ultimately help to prevent fraud.”
Gavin Steinberg CEO, Satori
"Zepto Validate radically improves the experience for our customers — it reduces their risk, and elevates convenience by reducing the hours of rework that came from previously misdirected payments."
Josh Cameron Chief Strategy Officer, Tanda

Beyond Validation

At Zepto, we’re not just adopting CoP; we’re enhancing it to provide an even more robust and secure payment solution for our clients.

  • Seamless Integration: Zepto Validate is built directly into our powerful payment infrastructure, ensuring no disruption to your existing workflows.
  • Comprehensive Security Framework: Zepto Validate is an essential addition to Zepto’s multi-layered security approach, which includes advanced transaction monitoring, visible source account information, and adherence to leading security standards.

With Zepto, you get more than just a payment solution; you get a secure, intelligent, and future-proof payment partner dedicated to protecting your business and your customers.

Ready to Elevate Your Payment Security?

Contact us today to learn how Zepto Validate can transform your payment processes, enhance security, and build greater trust with your stakeholders.

Get Started

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