Note: This article is relevant to merchants integrating with Zepto in Australia.
An individual Payment or Payment Request is essentially a Debit from one party and a Credit to another. The overall Payment and Payment Request have their own statuses and then each debit and credit will have its own. This article will explain the possible statuses and the flows that you would expect to see while transacting with your customers using Zepto.
View the different stages of a:
Failed Payment Request (failed debit)
Failed Payment Request (failed credit)
Failed NPP Payment (channel switched for successful BECS transaction)
Failed Payment (failed credit)
Status of Payment Requests:
A Payment Request can have the following statuses:
Status | Description |
| You should only receive this status if Pre-Check Funds = True. Read this article to find out why. |
| If there is a valid Agreement in place with your contact the Payment Request will be approved. |
| You should only receive this status if Pre-Check Funds = True. Read this article to find out why. |
| A Payment Request will have this status if you decide to cancel it. Explained here. |
Payments and Payment Requests are always made up of two main parts; a debit and a credit. The debit will always need to be successfully processed prior to the credit being processed. When Zepto is unable to credit funds to a recipient, we will automatically create a payout reversal credit back to the payer.
A Payment Request (PR.xxx) will consist of a minimum of 3 transaction reference numbers. The Payment Request will have the main (parent) reference number with the underlying Debit (D.xxx) and Credit (C.xxx) having their own unique reference numbers. See below:
However, a Payment (PB.xxx) will consist of a minimum of 4 transaction reference numbers. The Payment will have the main (parent batch) reference number with the underlying Payout (P.xxx), Debit (D.xxx), and Credit (C.xxx) having their own unique reference numbers.
Lifecycle of Debits and Credits:
A transaction (debit or credit) can have the following statuses:
Status | Description |
| The transaction has been created |
| The maturation date has not yet been reached |
| The maturation date has been reached and the transaction is eligible for processing. |
| The transaction is undergoing pre-checks before being sent to the bank. |
| The transaction has been submitted to the bank. |
| Waiting for confirmation from the bank that the transaction has succeeded. |
| The transaction is complete. |
| The bank has rejected the transaction due to incorrect bank account details. |
| The transaction did not successfully clear. |
| The transaction has been canceled and is no longer eligible for processing. |
| The bank account must be verified before the transaction can proceed. |
| The transaction has temporarily been paused by Zepto pending an internal review. |
| The transaction was never submitted to the bank because we detected that there were insufficient funds. The transaction can be retried. |
Failure Codes:
The rejected, returned, voided & prefailed statuses are always accompanied by a failure code, title, and detail. Below is an example of a DE credit failure and the complete list of failure codes can be found here.
Code | Title | Detail |
E101 | Invalid BSB Number | The BSB is not valid or is no longer active. |
Below are examples of the various stages the underlying transactions will transition through:
Stages of a Successful Payment Request:
Payment Request - Requested
Payment Request - Approved
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Maturing
Debit from Debtor - Matured
Debit from Debtor - Preprocessing
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Cleared
Credit to Creditor - Maturing
Credit to Creditor - Matured
Credit to Creditor - Preprocessing
Credit to Creditor - Processing
Credit to Creditor - Clearing
Credit to Creditor - Cleared
Payment Request - Processed
Stages of a Successful Payment:
Payout - Processing
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Cleared
Credit to Creditor - Matured
Credit to Creditor - Processing
Credit to Creditor - Clearing
Credit to Creditor - Cleared
Payout - Processed
Stages of a Successful NPP Payment:
Payout - Processing
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Cleared
Credit to Creditor - Matured
Credit to Creditor - Processing
Credit to Creditor - Clearing
Credit to Creditor - Cleared
Payout - Processed
Stages of a Failed Payment Request: - When a Debit transaction fails.
Payment Request - Requested
Payment Request - Approved
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Maturing
Debit from Debtor - Matured
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Returned
Credit to Creditor - Voided
Payment Request - Failed
Stages of a Failed Payment Request: - When Credit transaction fails.
Payment Request - Requested
Payment Request - Approved
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Maturing
Debit from Debtor - Matured
Debit from Debtor - Preprocessing
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Cleared
Credit to Creditor - Maturing
Credit to Creditor - Matured
Credit to Creditor - Preprocessing
Credit to Creditor - Processing
Credit to Creditor - Clearing
Credit to Creditor - Returned
*A new credit with a new C.xxx reference was created to return the credit to the debtor*
Credit to Debtor - Matured
Credit to Debtor - Processing
Credit to Debtor - Clearing
Credit to Debtor - Cleared
Payment Request - Failed
Stages of a Failed NPP Payment that switched channel to Direct Debit:
Payout - Processing
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Cleared
Credit to Creditor - Matured
Credit to Creditor - Processing
Credit to Creditor - Channel Switched
Credit to Creditor - Processing
Credit to Creditor - Clearing
Credit to Creditor - Cleared
Payout - Processed
Stages of a Failed Payment: - When Credit transaction fails.
Payout - Processing
Debit - Scheduled
Credit - Scheduled
Debit from Debtor - Matured
Debit from Debtor - Processing
Debit from Debtor - Clearing
Debit from Debtor - Cleared
Credit to Creditor - Matured
Credit to Creditor - Processing
Credit to Creditor - Clearing
Credit to Creditor - Returned
*A new credit with a new C.xxx reference was created to return the credit to the debtor*
Credit to Debtor - Matured
Credit to Debtor - Processing
Credit to Debtor - Clearing
Credit to Debtor - Cleared
Payout - Failed
Feel free to reach out to us by clicking on the blue bubble at the bottom of the screen or email us at support@zepto.com.au