This is not our API. This repository is an independent, third-party profile of a company's publicly available API surface, maintained by API Evangelist. API Evangelist does not operate, host, resell, or support this company's APIs, and is not affiliated with or endorsed by the company unless stated on the profile.
Where the information came from. Everything here is assembled from material a member of the public can reach with a browser and no credentials — the company's own website, developer portal and documentation, the specifications it publishes for public use (OpenAPI, AsyncAPI, JSON Schema,
apis.json,llms.txtand similar), its public repositories, and its public status, pricing and changelog pages. Nothing here is obtained by breaching a system, defeating an access control, or using credentials of any kind.The rating is an independent assessment. The Kin Score and Agent Readiness rating are independently calculated scores of a company's public API artifacts, produced by API Evangelist against a published rubric. They are not certifications, endorsements, security assessments, or audits, and they score published artifacts — not the quality, safety, or security of the software.
Corrections, re-scores, and removal are free. No partnership, contract, or purchase is required, and you do not need to justify the request.
- Something wrong? Open an issue on this repository, or email info@apievangelist.com.
- Published something new? Ask for a re-score and we will re-run the rating.
- Want the listing taken down? Say so and we will honor it. The profile is reduced to your company name, a factual description, and a link to your own site, and the company is recorded as unrated — never scored zero for having asked.
Response times. Acknowledgement within one business day; removal or restriction within two business days; corrections and re-scores within five business days.
Not from the company, and here with a question? You are welcome here — we would rather be the front line and point you the right way than have a good report go nowhere. What this repository can answer is narrow, though, so it is worth knowing who you are actually looking for:
- A question about how the API works, an account, billing, or a bug in the service — that is the company's own support, not us. We profile this API; we do not operate it and cannot see your account.
- A bug in an open-source project we only catalog — file it on that project's own repository. This has happened with a real and correct bug report that reached us instead of the people who could fix it, which helped nobody.
- Anything about this listing itself — the description, the tags, the rating, a missing or wrong artifact — is ours. Open an issue here.
- Not sure, or something general about API Evangelist or APIs.io — open an issue on the APIs.io Inbox and we will route it.
This repository contains no software, and we will never ask you to download anything. There is no build, release, installer, or binary here — only text and machine-readable API descriptions, so there is nothing here that can be "corrupt" or need "repairing". Any issue, comment, or email claiming otherwise and offering a download link is not from us and is hostile. Do not follow the link; it is a lure. Report it to GitHub and, if you like, tell us at info@apievangelist.com so we can take it down.
On a security or compliance team? Email info@apievangelist.com with security in the subject line and you will get a person, not a form. We will tell you exactly which public URLs this profile was built from so your team can see the same surface we did, and we will take the listing down on request while you work through it.
Full detail: Where this data comes from
Zepto is a Gold Coast, Australia based account-to-account (A2A) payments company that gives merchants and platforms programmable, real-time access to Australia's core money-movement rails: the New Payments Platform (NPP) for instant A2A payments, PayTo for mandated real-time debits, PayID addressing, BECS Direct Entry (direct debit/credit) and stored-value float accounts — with real-time messaging, settlement and reconciliation. Zepto is the first non-authorised-deposit-taking institution (non-ADI) approved to connect directly to the NPP as a "Connected Institution" for PayTo, making it an infrastructure-grade money-movement provider rather than a card acquirer.
Zepto's posture is genuinely developer-first: a public ReadMe developer portal, a full sandbox, idempotent asynchronous payment flows, webhook notifications, and seven downloadable OpenAPI specifications.
APIs.json: https://raw.githubusercontent.com/api-evangelist/zepto-payments/refs/heads/main/apis.yml
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- New Payments Platform
- PayTo
- PayID
- Direct Entry
- Open Banking
- Money Movement
- Created: 2026-07-24
- Modified: 2026-07-24
- Core Zepto API: OAuth2 authorization-code flow (authorizationUrl
/oauth/authorize, tokenUrl/oauth/token) with scoped access tokens —public,contacts,payments,payment_requests,refunds,agreements,transactions,open_agreements,transfers. - Product APIs (PayTo, Validate, Investigations, Clients, Merchant Reports, Notifications): HTTP Bearer token.
- Idempotency:
Idempotency-Keyheader supported for asynchronous payment flows. - Base URLs: production
https://api.zeptopayments.com· sandboxhttps://api.sandbox.zeptopayments.com
Core account-to-account payments API — move money over NPP, BECS Direct Entry and PayID with payments, payouts, payment requests, transfers, refunds, agreements, contacts, bank accounts and transaction history.
- Human URL: https://docs.zeptopayments.com/reference/zepto-api
- Base URL:
https://api.zeptopayments.com - OpenAPI
Programmatic PayTo mandate management and real-time collection — create, amend, suspend, reactivate and cancel PayTo agreements, then collect authorised real-time payments and issue refunds.
- Human URL: https://docs.zeptopayments.com/reference/agreements
- Base URL:
https://api.zeptopayments.com - OpenAPI
Confirmation of Payee (CoP) account validation — verify a payee's account name against account details in real time before initiating a payment.
- Human URL: https://docs.zeptopayments.com/reference/cop-account-validations
- Base URL:
https://api.zeptopayments.com - OpenAPI
Disputes and investigations (Beta) — raise and manage payment disputes, respond to action requests (accept, reject, upload evidence).
- Human URL: https://docs.zeptopayments.com/reference/disputes-beta
- Base URL:
https://api.zeptopayments.com - OpenAPI
Client management (Alpha) — create and manage sub-clients and their Merchant Category Codes (MCC) for platform and marketplace models.
- Human URL: https://docs.zeptopayments.com/reference/clients
- Base URL:
https://api.zeptopayments.com - OpenAPI
Merchant reporting — download PayTo settlement reports by report date for reconciliation.
- Human URL: https://docs.zeptopayments.com/reference/openapi-specifications
- Base URL:
https://api.zeptopayments.com - OpenAPI
Webhook event notifications — subscribe to asynchronous payment and account events (e.g. float_accounts.unmatched_credit.received).
- Human URL: https://docs.zeptopayments.com/docs/setting-up-your-webhooks
- Base URL:
https://api.zeptopayments.com - OpenAPI
- Website
- Developer Portal
- Documentation
- API Reference
- Getting Started
- Change Log
- Status Page
- Help Center
- Login
- Blog
- Terms of Service
- Privacy Policy
FN: Kin Lane Email: kin@apievangelist.com