Note: This article is relevant to merchants integrating with Zepto in Australia.

Once you have your Sandbox Account Float enabled and you can view it within your Account settings, your next step will be to add funds to the float. There are three methods that you can choose from to accomplish this.

More on utilizing an Account Float: https://help.zepto.money/en/articles/4275280-utilising-an-account-float

We have 3 different funding methods described in this document:

Method 1 - From your bank account added to the Zepto Dashboard
Method 2 - Auto Top-Up from your bank account
Method 3 - Using the API to simulate incoming payment

Funding Method 1 - From Your Bank Account initiated via the Zepto Dashboard

Using your Zepto Payments dashboard, you can initiate a transfer of funds from the Bank Account associated with your Zepto Account.

Login to your Zepto account and visit Settings > Bank accounts
Click on Transfer Funds
Select the following:
From account: The bank account to transfer funds from
To account: The funds account to transfer funds to
Amount: Amount you wish to transfer
Description: Custom description, can be a reference to aid your reconciliation
Maturation date: Leave this as the default value to process immediately, or schedule a future time.
Click on Transfer Funds

Clearance Time

Transfers created this way in the Production Environment are sent via the traditional BECS network and will take roughly 48 hours to settle into your account float. However, in Sandbox, will complete within a few minutes.

Funding Method 2 - Auto Top-Up from your Bank Account

You can optionally configure your Account Float to be topped up automatically from your bank account. When the system tops up your float, it tops it up to a target balance that you set.

There are two top-up methods available.

Lower Threshold Top-Up

When you set a lower threshold, your account float will be automatically topped up to the target balance when the balance drops below the set threshold amount.

Daily Top-Up

Daily top-up applies when you have not specified a lower threshold amount (leave your threshold blank). We run a check once every day that will determine if your current balance has dropped below the target balance, if this is the case, your account float will automatically be replenished to the target balance.

Turning on Auto Top-Up

Login to your Zepto account and visit Settings > Bank accounts
Click on the Account Float you would like to configure for an auto top-up.
Click on Activate Top-ups

Clearance Time

Transfers created this way in the Production Environment are also sent via the traditional BECS network and will take roughly 48 hours to settle into your account float. At the end of each day, when the top-up amount is calculated, we take pending transfers into consideration and factor this into the amount of money that is required to complete the top-up. However, in Sandbox, will complete within a few minutes.

Funding Method 3 - Using API to Simulate Incoming Funds

You can also simulate incoming funds using our API. This can be done by using our POST /simulate API endpoints. You can find more details about this endpoint in our API documentation here.

This endpoint lets you simulate incoming funds from DE, NPP and PayID payments into your Float Account:

Endpoints:

PayID -> To Float Account: POST /simulate/incoming_npp_payid_payment
NPP -> To Float Account: POST /simulate/incoming_npp_bban_payment
DE -> To Float Account: POST /simulate/incoming_de_payment

This endpoint requires the following mandatory fields:

Amount
To account number
To BSB
PayID email (PayID only)

NPP & DE Request Payload:

{ 
 "to_bsb": "802919", 
 "to_account_number": "88888888", 
 "amount": 1501 
}

Response [201]:

{
 "data": {
   "id": "9e458738-6944-467d-9c9f-6f2a8d7c9fc1",
   "amount": 1501,
   "debtor_name": "Simulated Debtor",
   "debtor_legal_name": "Simulated Debtor Pty Ltd",
   "from_bsb": "014209",
   "from_account_number": "12345678",
   "to_bsb": "802919",
   "to_account_number": "1344254",
   "payment_description": "Simulated NPP payment",
   "payment_reference": "simulated-npp-payment"
  }
}

PayID Request Payload:

{
 "payid_email": "payidtest@payidbusiness.com",
 "amount": "1501"
}

Response [201]:

{
 "data": {
   "id": "bcf89e32-ece0-4c00-9006-da746eb7961e",
   "payid_email": "payidtest@clintsbusiness.com",
   "amount": 1501,
   "debtor_name": "Simulated Debtor",
   "debtor_legal_name": "Simulated Debtor Pty Ltd",
   "from_bsb": "014209",
   "from_account_number": "12345678",
   "payment_description": "Simulated PayID payment",
   "payment_reference": "simulated-payid-payment"
  }
}

Feel free to reach out if you have any more questions for us, by clicking on the blue bubble icon or emailing us at support@zepto.com.au.