Events & News
LinkedIn
Youtube
Close
Enquire Now
Use Cases/Collections

Help customers pay the moment they're ready

Real-time payments — PayID and PayTo — that let customers pay from their own banking app, on their terms. Cleared and reconciled in seconds.

Book a 20-minute Call

Trusted payments infrastructure

80M+
payments processed annually
$80B+
total annual payments value

The payment step shouldn't be where you lose them

Your team gets the customer to the point they're willing to pay. Then the payment itself gets in the way — a card read out over the phone, a BPAY reference, or a direct debit that dishonours later. Every failed or delayed payment is rework, a broken arrangement, and a customer who's harder to reach next time.

The Solution

Three ways to get paid, one connection

Run all three rails off a single integration and a single reconciliation feed.

PayID

Pay when you're ready.

Customers pay any amount from their banking app to a unique ID you've issued them. It reconciles to their account instantly. Ideal for chipping away at a balance. More >

PayTo

Pay on cue.

Customers authorise a payment agreement once, then pay in the moment — a tap in your portal or a reply to a message. They stay in control and can pause or cancel anytime. More >

Direct Debit

For scheduled arrangements.

The right tool for fixed instalment plans — and we run it alongside the other two, so it's one connection and one reconciliation feed. More >

 

 

 

Capture the payment while you have the customer

1

Initial Contact

Reach out however you do today — call, SMS, email or portal.

2

Customer Payment

The customer pays from their own bank, on their terms.

3

Auto Reconciliation

Successful PayID and PayTo payments clear in seconds and reconcile straight into your systems.

It works — even with the hardest to collect.

The Zepto way

An Australian lender uses Zepto to collect customer loan and advance repayments — 470,000+ payments and $126m+ over the past 18 months.

Exactly the tight-cashflow customers you'd expect to be hardest to collect from.

96.8% payment success rate. 

A safe pair of hands

1

~$80bn

in payments processed a year.

2

First

non-bank to connect directly to the New Payments Platform for PayTo.

3

99.03%

PayTo conversion, settled in under 5 seconds.

4

ISO 27001

certified.

5

Zepto Validate

Our bank account name verification service that builds on Confirmation of Payee.

Easy to add. Cents, not percents

Zepto is API-first and sits alongside the systems you already run — no rip-and-replace.

Account-to-account payments are a flat fee per transaction, so the cost doesn't climb with the size of the debt. And because payments reconcile automatically, the back office spends less time chasing and matching.

Built for a regulated industry

Every PayTo payment runs off an agreement the customer authorises and controls — so you get a consent-based, auditable repayment trail that works with your hardship and AFCA obligations, not against them.

See how it fits your collection flows

Ready to learn more?

A short, no-pressure conversation — or we'll send a quick overview first.

Book a 20-minute Call
01

Disclaimer

Disclaimer: Information on this page is general in nature and does not constitute legal, financial, or compliance advice. Product features, fees, and metrics (including historical transaction data and success rates) are subject to change and may vary based on business setup and individual agreements. Businesses using Zepto remain solely responsible for meeting their own regulatory and compliance obligations, including AFCA guidelines and hardship requirements.