Zepto supports traditional direct debit through the onboarding of customers with only the BSB and Account number.  Although this doesn't provide your application with our advanced capabilities, such as pre-fail, we still deliver a best in class direct debit.  

The following high-level integration scope supports the below use cases: 

  • Your application only requires the customer's BSB and Account number

  • On-boarding is done via the API with a digital recording of acceptance.  

  • Recurring payment schedules 

  • Variable one-off payments to the same customer

  • Variable recurring payments to the same customer

Sample businesses: lending platforms, collections, invoice financing, payment plan providers, b2b marketplaces, round-up apps.

Direct debit using Zepto is a 2 step process:

  1. Step 1 - Create an Agreement for your customer with their bank account details, effectively 'on-boarding' them into Zepto. 

  2. Step 2 - Issue Payment Requests as per the customer payment schedule. 

KYC-Trusted Agreements 

Our KYC-Trusted endpoints are available to merchants that have met our requirements proving that they perform KYC on their customers.  The Agreements/KYC endpoint achieves the following: 

  • Captures BSB and Account number

  • Creates a Contact in Zepto that your application can submit Payment Requests to

  • Creates a valid Agreement between you and your customer.  

We have a dedicated article that will help you understand how to create KYC trusted agreements and contacts via the API, here.


Need a helping hand? From technical questions to integration strategy and support we are here for you 9 to 5, Monday to Friday. We’re also happy to schedule a call to help you plan your integration.

The easiest way to get in touch with us is via in-app messaging. When you log in to your sandbox or production account, click on the chat bubble on the bottom-right side of the screen. Alternatively, you can send us an email at support@zepto.com.au and we’ll get right back to you.

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