When you register a Zepto account, you are required to add a bank account and verify that this account belongs to you. Once this is done and your sign up is finalised, this bank account will be used to facilitate any transactions you create and for us to debit our fees.

Now you have the ability to add multiple bank accounts and choose which of these we should use for your transactions and which we should use for the billing of our invoices. You can specify which bank account to use by default by setting it as the primary bank account or you can choose which account to use on a per-transaction basis.

This article will cover the following:

Adding A Bank Account

Adding a bank account is a simple process and should take you no longer than five minutes. Before you start, if you don't plan on using our IAV (Instant Account Verification) features to verify your account, you will need to upload a statement during this process so that it can be verified. The following steps will explain how to add a new bank account to your Zepto Account.

  1. Sign in to your Zepto account

  2. Click on your name in the top left of the screen

  3. Click on the Settings option

  4. Click on Bank Accounts

  5. Click on the green Add bank account button

  6. Enter the relevant BSB and Account Number

  7. Click Add bank account

This bank account will now be added but will be in an unverified state. You will not be able to use the account until it has been verified using our IAV features or you have uploaded a bank statement for us to manually check.

To verify this newly added bank account, you can simply navigate to your bank accounts page in your settings again and click on the relevant blue bank account reference.

On this page, you will see all details related to your bank account along with instructions on how to verify this bank account either through IAV or by uploading a statement through our in-app chat.

Selecting An Account To Use For Billing

By default, we will use the first bank account that you added when creating your Zepto account for billing purposes. If you would prefer that we use a different bank account to Debit our fees from, you can do so easily through your bank account settings by adding a bank account and following these steps

  1. Log into your Zepto account

  2. Click on your name on the top left-hand side of this window

  3. Click on Settings

  4. Click on Bank accounts

  5. Click on the blue reference for the bank account you wish to use for billing

  6. Click on Actions in the top right

  7. Choose Use for Billing

  8. Click OK on the confirmation pop-up

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This is now the bank account that we will use to Debit our fees from.

Choosing A Primary Bank Account

By default, the first account that you register with Zepto will be your primary bank account. This is the account that will facilitate your transactions unless you specifically tell us to use another account.

You can tell which of your bank accounts is the primary account by viewing your bank accounts page in your account settings. There will be a Primary label next to the account that is currently Primary. Should you wish to make another bank account the primary account, follow these simple steps.

  1. Click on the blue title field of the bank account you wish to be primary

  2. Click on the Actions button in the top right of this page

  3. Click Make Primary

  4. An alert will pop up and you will need to click OK

  5. You should now see Primary in the roles section of this bank account

Telling Us Which Account To Use

There will always be a Primary account for your Zepto Account and this will be used by default to facilitate your transactions. However, you are able to specify which bank account should be used when you create each transaction if you would like to swap bank accounts per transaction. This can be done via the UI and the API

User Interface Integration

When creating any type of transaction via the user interface, there is now the option to choose which bank we should use to draw funds from for payment, or deposit funds into for a payment request. It's as simple as using the dropdown box that is either labelled, From Account or To Account. This dropdown will include all bank accounts that are associated with your account and will include any float accounts that you may have.

Example Payment Request:

Example Payment:

Wondering what an Account Float is? Check out this article.

API Integration

If you have built an API integration, choosing which bank account we should use is as simple as adding one field to your payloads when creating a transaction. This field is:

your_bank_account_id: {bank_account_id}

I'll add example payment and payment request payloads below here and it is also included in our documentation. If this field is supplied with your request, this is the bank account that we will use to facilitate this transaction. If it's not supplied, no problem, we'll simply use the bank account that is marked as Primary.

Payment payload:

"description": "The SuperPackage",
"matures_at": "2016-09-13T00:00:00Z",
"your_bank_account_id": "83623359-e86e-440c-9780-432a3bc3626f",
"payouts": [
"amount": 30000,
"description": "A tandem skydive jump SB23094",
"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"

Payment Request payload:

"description": "Visible to both initiator and authoriser",
"matures_at": "2016-12-19T02:10:56.000Z",
"amount": 99000,
"authoriser_contact_id": "de86472c-c027-4735-a6a7-234366a27fc7",
"your_bank_account_id": "9c70871d-8e36-4c3e-8a9c-c0ee20e7c679",
"metadata": {
"custom_key": "Custom string",
"another_custom_key": "Maybe a URL"

Hope this article has helped. If you have any more questions for us feel free to reach out by clicking on the blue bubble icon or email us directly at support@zepto.com.au

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