When making a Payment, there are two fields to enter a description. One that only your account can see and one designed for the Payment recipient to see. However, when making a Payment Request, there is only one description field that is visible to both parties.

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.

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.

However, for NPP payments, the recipient 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 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: Transfer From Zepto Test CT.ycqs Test 123

What it means:

Transfer From | 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 blue bubble or email us at support@zepto.com.au.

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