THE ZEPTO WAY

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 at Ailo
THE ZEPTO WAY

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

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 Our payments API is a culmination of first-hand experience with outdated payment systems, and knowing what it’s like to integrate with clunky apps.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 will unlock a toolkit of solutions from which they can assemble the perfect payment flows for their business using nothing more than bank accounts. It's your gateway to a better way to pay.

THE ZEPTO WAY

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.

THE ZEPTO WAY

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.

THE ZEPTO WAY

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.

THE ZEPTO WAY

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 at Zepto

API Fundamentals

An application programming interface [API] is a set of rules or protocols that enable different software applications to communicate with one another. A payments API allows different software platforms to communicate and process payments.

Transmitting payment instructions securely > our system processes your instructions > receive success or failure notification. Simple.

Zepto uses OAuth2 over https to manage authentication and authorisation.

OAuth2 is a protocol that lets external applications request permission from another Zepto user to send requests on their behalf without getting their password.

This is preferred over Basic Authentication because access tokens can be limited by scope and can be revoked by the user at any time.

New to OAuth2? DigitalOcean has a fantastic 5-minute introduction to OAuth2.

Check the platform status, or subscribe to receive notifications here.

If you would like to check platform status programmatically, click here.

Try out your happy paths and not-so happy paths; the sandbox is a great place to get started without transferring actual funds. All transactions are simulated and no communication with financial institutions is performed.

The sandbox works on a 1-minute cycle to better illustrate how transactions are received and the lifecyle they go through. In other words, every minute, we simulate communicating with financial institutions and update statuses and events accordingly.

More here.

Our publicly available API documentation provides an easy-to-consume overview of our API, however the best way to familiarise yourself with it is by interacting with it. We've preloaded a collection with all our endpoints for you to use in Postman.

Try it out!

For further articles, handy hints and insights, you can visit our Help Centre.

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