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[AU] Description Field - How You and Your Clients Will See It
[AU] Description Field - How You and Your Clients Will See It

This article will outline how and where the description field of transactions will be displayed for you and the end user.

Updated over a week ago

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 or in their Zepto Float Account. You can use this field to enter an invoice number, unique identifier or text to describe what the payment is for.

When sending a payment there are two description fields; one that only the payer will see and one that both the payer and the payee will see. When making a Payment Request, there is only one description field that is visible to both parties.

For Direct Entry payments (payments processed via BECS), the Creditor will see the first 9 characters of this description. This is the same for Payment Requests processed via BECS, the Debtor will see the first 9 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.1234 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 271 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 9 or 271 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: Test 123

What the bank will show: Debit/Credit From Zepto Test CT.ycqs Test 123

What it means:

Type of Transactions | Zepto Test | CT.ycqs | Test 123

Debit or Credit | Remitter Name | Zepto Reference | Description

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 Commbank:

When more detail is requested:

Feel free to reach out to us if you need any help by clicking on the green bubble or email us at

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