The New Standard for Payments Infrastructure

Move money at the speed of the digital economy with Australia’s first non-bank direct connector to the NPP.

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Zepto provides the modern payments infrastructure that leading banks, lenders, and gateways use to bypass the bottlenecks. With proven case studies and a single API, we help you solve for speed, certainty, and scale simultaneously.

Build the experiences your customers expect

Bank-Grade Infrastructure

Future-proof tech built for the security and compliance requirements of Banks and PSPs.

Composable Embedded Solutions

Our hyper-flexible API can help build bespoke payment flows that solve your unique problem set, not a one-size-fits-all workaround.

Direct-to-Rail Access

Higher reliability by removing unnecessary intermediaries.

Instant Settlement & Rich Data

Accelerate speed-to-wallet for investment platforms and lenders with real-time visibility and automated reconciliation.

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"You have such finite resources, so you need to be clever about how you deploy them. That means ruthless prioritisation becomes essential. We took the view that prioritising the enhancement of our operational environment would deliver better business outcomes and customer experiences. That's what brought us to Zepto."
Katrina Sly Chief Operating Officer, Spaceship
"You have such finite resources, so you need to be clever about how you deploy them. That means ruthless prioritisation becomes essential. We took the view that prioritising the enhancement of our operational environment would deliver better business outcomes and customer experiences. That's what brought us to Zepto."
Katrina Sly Chief Operating Officer, Spaceship

Transformative payment solutions

ZEPTO VALIDATE

Zepto Validate is designed to enhance payment security. It extends the name matching capabilities of Confirmation of Payee by overlaying Zepto’s proprietary payment intelligence for deeper insights to help protect against scams and mistaken payments before funds are transferred. More here >

NPP Payments

Payments on the New Payments Platform [NPP] can deliver your customers a seamless, real-time digital payments experience. With Zepto's clever API, you can receive and disburse funds in real time on the NPP. When complex enterprise payment flows are at play, every zeptosecond counts. More here >

Stored Value

Store funds indefinitely. Move them flexibly. Transforming your customer experience and business operations is about more than just speed of payment. Fast is great — sure — but precision, security and flexibility is where the rubber really hits the road. More here >

PayTo

PayTo® is a modern way for businesses to collect payments from their customers’ bank accounts and have them settle in real time, all the time—like an always-on, instant direct debit. PayTo delivers the set-and-forget benefits of direct debits and cards with a decreased risk of missed payments and fraud. More here >

Enterprise PayID

Zepto’s flagship instant-funds transfer solution supercharges millions of transactions each day with the unique, industry-first capability to activate thousands of PayIDs instantaneously. Create a unique PayID® for every customer to facilitate instant, easy payments and accurate, automated reconciliation. More here >

Direct Debit

Say goodbye to paper forms and manual handling. By hitting every exchange point with Zepto's API-powered, data-rich enterprise direct debit solution, you can reduce dishonours, and maximise recurring payment success. More here >

PayTo

PayTo® is a modern way for businesses to collect payments from their customers’ bank accounts and have them settle in real time, all the time—like an always-on, instant direct debit. PayTo delivers the set-and-forget benefits of direct debits and cards with a decreased risk of missed payments and fraud. More here >

ZEPTO VALIDATE

Zepto Validate is designed to enhance payment security. It extends the name matching capabilities of Confirmation of Payee by overlaying Zepto’s proprietary payment intelligence for deeper insights to help protect against scams and mistaken payments before funds are transferred. More here >

Enterprise PayID

Zepto’s flagship instant-funds transfer solution supercharges millions of transactions each day with the unique, industry-first capability to activate thousands of PayIDs instantaneously. Create a unique PayID® for every customer to facilitate instant, easy payments and accurate, automated reconciliation. More here >

NPP Payments

Payments on the New Payments Platform [NPP] can deliver your customers a seamless, real-time digital payments experience. With Zepto's clever API, you can receive and disburse funds in real time on the NPP. When complex enterprise payment flows are at play, every zeptosecond counts. More here >

Direct Debit

Say goodbye to paper forms and manual handling. By hitting every exchange point with Zepto's API-powered, data-rich enterprise direct debit solution, you can reduce dishonours, and maximise recurring payment success. More here >

Stored Value

Store funds indefinitely. Move them flexibly. Transforming your customer experience and business operations is about more than just speed of payment. Fast is great — sure — but precision, security and flexibility is where the rubber really hits the road. More here >

Future ready Now

The real-time revolution is here

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