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.
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 Our payments API is a culmination of first-hand experience with outdated payment systems, and knowing what it’s like to integrate with clunky apps.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.
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.
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.
API Fundamentals
What is a payments API?
What does the payment processing flow look like with the API?
How is authentication performed on the Zepto API?
How can I check the system status?
Tell me more about the sandbox
Where is the best place to learn more about the Zepto API?
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.
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.
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.
For further articles, handy hints and insights, you can visit our Help Centre.
What is a payments API?
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.
What does the payment processing flow look like with the API?
Transmitting payment instructions securely > our system processes your instructions > receive success or failure notification. Simple.
How is authentication performed on the Zepto API?
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.
How can I check the system status?
Tell me more about the sandbox
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.
Where is the best place to learn more about the Zepto API?
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.
For further articles, handy hints and insights, you can visit our Help Centre.