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[NZ] Integrating Direct Debit via Unassigned Agreements
[NZ] Integrating Direct Debit via Unassigned Agreements

A high-level guide to integrating our Unassigned Agreements to support your direct debit requirements.

Updated over a week ago

We deliver our Unassigned Agreements via an iFrame that can be easily customised and embedded in your application.

The following high-level integration scope is suggested for the following use cases:

  • Recurring payment schedules

  • E-commerce platforms for repeat purchases

  • Applications that store customer profiles and offer payment method options

  • Variable one-off payments to the same customer

  • Variable recurring payments to the same customer

Sample businesses: Marketplace platforms, lending platforms, e-commerce, collections, invoice financing, and payment plan providers.

Direct debit using Zepto is a 2 step process:

  1. Step 1: Have an Agreement authorised by the customer effectively 'onboarding' them into Zepto.

  2. Step 2: Issue Payment Requests as per the customer payment schedule.

Embed our agreements iframe within a registration form, application, check-out page, or customer profile. This is a 1-time process that accomplishes the following:

  • Acceptance of DDR and DDRSA with Zepto on behalf of your company for ongoing repayments

  • Captures BSB and Account numbers with 100% data accuracy

  • Creates an Agreement and Contact within Zepto to whom your application can submit Payment Requests to

Optional: Add limits to the agreement that will mirror the repayment schedule the customer has agreed to, such as max and min amounts for a single debit, as well as the total amount that can be debited over time.Leaving the limits blank puts no restrictions on Payment Request amounts.

Developer Pro-tips: for more information on our unassigned agreements and how to implement them, please refer to our help guide article attached, here.

Direct Debits are created through our Payment Requests. Create a new Payment Request each time you want to Direct Debit your customer.

If you need to Direct Debit your customer on a recurring basis, you will need to create a scheduler within your application that creates a Payment Request via our API each time a payment is due.

You can submit Payment Requests in real-time and up until the 19:15 pm cut off time for same-day processing. You can also submit Payment Requests prior to the due date by setting the ‘maturation date’ to reflect when you would like the payment to be processed.


Need a helping hand? From technical questions to integration strategy and support we are here for you 9 to 5, Monday to Friday. We’re also happy to schedule a call to help you plan your integration.

The easiest way to get in touch with us is via in-app messaging. When you log in to your sandbox or production account, click on the chat bubble on the bottom-right side of the screen. Alternatively, you can send us an email at and we’ll get right back to you.

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