Note: This article is relevant to merchants integrating with Zepto in Australia.
The description field is what the Debtor and the Creditor will see in their bank account. You can use this field to enter an invoice number, unique identifier or text to describe what the payment is for.
For Direct Entry payments (payments processed via BECS), the Creditor will see the first 8 characters of this description. This is the same for Payment Requests processed via BECS, the Debtor will see the first 8 characters of the description.
The below example shows how a direct debit transaction may be displayed on the peyee's bank statement.
DT reference | Description (provided by you when making the request) | Debit Remitter Name (set for your Zepto account)
Example: DT.456789 PR_Descr Vishakha
Please be advised that it, however, depends on an individual bank on how they display the description.
For NPP payments, the payee will see the first 270 characters of the description field.
API Example Payment Payload:
Only your account can see the first description field. Whereas, the second description field can be seen by both parties. Take note of what each description field says compared to the end-user example below.
{
"description": "Example Payment - Only you can see this",
"matures_at": "2021-04-13T00:00:00AEST",
"your_bank_account_id": "83623359-e86e-440c-9780-432a3bc3626f",
"payouts": [
{
"amount": 1,
"description": "Test 123",
"recipient_contact_id": "48b89364-1577-4c81-ba02-96705895d457",
"metadata": {
"invoice_ref": "BILL-0001",
"invoice_id": "c80a9958-e805-47c0-ac2a-c947d7fd778d",
"custom_key": "Custom string",
"another_custom_key": "Maybe a URL"
}
}
],
"metadata": {
"custom_key": "Custom string",
"another_custom_key": "Maybe a URL"
}
}
UI Example Payment:
As above, the first description field will only be seen by your account and the second will display the first 8 or 270 characters to the other party involved, depending on the payment channel (NPP or BECS).
View From End-User Bank:
It is entirely up to the individual bank on how they will display the description field. However, most will follow a fairly similar pattern to what is shown below:
Zepto description field: Test123
What the bank will show: Debit/Credit From Zepto Test CT.ycqs
What it means:
Type of Transaction | Zepto Test | CT.ycqs
Debit or Credit | Remitter Name | Zepto Reference
Note: You are able to change your remitter name. Read this article to find out how.
Here is a recent example of how an NPP Payment will appear in ANZ
When more detail is requested:
If you've asked us to enable the feature flag that hides the CT reference number, the Payment will appear as follows:
When more detail is requested:
As you can see the, CT.abc123 reference number is not visible in the customer's bank statement.
Note that this feature flag does not affect the way credits/debits are displayed on float accounts. There is no description provided for float transactions and only the CT.abc123 reference number would be displayed in the description either way. Example below:
Feel free to reach out to us if you need any help by clicking on the green bubble or email us at support@zepto.com.au.