Find your payments flow state
Zepto-powered payments stream in real-time along the modern rails of Australia's New Payments Platform (NPP) loaded with customer data and insights 24-7/365. Your subscription collections can too.
Decoupling from DD & cards
Tomorrow’s payments move and settle in real time between bank accounts. And they’re available today. These pay-by-bank payments are secure and convenient, and can be initiated by the payer or the payee.
Direct debit and cards are convenient and trusted. But they can be the source of payment pain points, customer frustrations and revenue loss that can be circumvented by real-time account-to-account (A2A) payment offerings.
THE A2A ADVANTAGE
The real-time revolution
Reimagine rebates and refunds
Zepto-powered disbursements can travel with the same speed and accuracy as your customers' inbound subscription collections. Deepen customer trust and loyalty with real-time refunds or pro-rated rebates.
Bypass card fees and expirations
A2A payments bypass card schemes and, therefore, bypass the fees applied by them. Fees on A2A payments are flat cents per transaction, not a percentage of the transaction value, so they can save businesses money. Unlike cards, bank accounts don’t expire, allowing the free flow of funds without payment method updates and renewals.
Reduce first-payment friction
With A2A payments, customer account details are verified in real time, and payments are conducted within the secure environment of banking systems. They leverage encryption, authentication protocols, and other security measures which can protect sensitive financial information, and reduce unauthorised access and fraud.
Improved cash flow
Real-time payments accelerate the inflow of funds, delivering predictable and reliable cash flow. This allows for better financial planning, improved budgeting, optimised financial operations and the ability to invest in critical infrastructure and customer service enhancements.
Streamlined reconciliation
Real-time payment data is enriched and can be automatically reconciled, reducing manual effort and the risk of human error. This can enable faster, more accurate, automated reconciliation processes, freeing up valuable time for finance and accounting teams.
Seamless billing & enhanced dunning
Zepto's modern payments API is equally compatible with new and old tech stacks. It’s also scalable, composable and easy to integrate. By bridging the gap between billing and payment systems, it facilitates a seamless, real-time data exchange including instant updates on payment status.
Your business but better
01
Reduced Operational Costs
Automation of payment processing can significantly reduce operational costs. This includes lower labor costs for manual data entry and reconciliation, reduced processing fees for traditional payment methods, and fewer resources dedicated to managing payment disputes.
02
Improved Customer Communication
Enriched real-time payment data can be used to personalise communication with customers, enabling timely payment reminders and providing proactive customer support. This can significantly reduce the time customers take to pay their bills, minimising late payments, expensive call centre interactions, collections processes and associated penalties. Better for your customers. Better for your business.
03
Reduced Fraud Risk
Real-time payment platforms incorporate advanced security measures, such as encryption and multi-factor authentication, to protect against fraud and ensure the security of customer funds.
04
Improved Data Security
Secure data transmission and encryption protect sensitive customer information from cyber threats, ensuring the safety and privacy of customer data throughout the payment process.
05
Built for digital
The Zepto platform is designed for ease of integration, and employs a cloud-native, zero-trust model inline with AWS Well-Architected standard, CIS Benchmark Level 2 & ASAE 3150 compliant.
01
The Connected Institution advantage
As a directly Connected Institution [CI] on the NPP for PayTo, Zepto is unhindered by intermediaries between you and Australia's modern, real-time payment rails. Our direct connection to the rails for PayTo, is your direct connection to tomorrow's payments today.
Learn more about PayTo
Making your move to the NPP
Countdown to BECSIT
With the scheduled retirement of Australia’s legacy BECS payments infrastructure looming, you need a trusted guide in your corner. The payments future is an exciting place full of promise and innovation. Zepto knows the way. After all, we’re helping shape it. Are you planning your BECSIT?