Zepto API
Zepto ships open docs, OpenAPI specs, OAuth 2.0 and a free sandbox with every product enabled. Production access is another matter: eligibility depends on your vertical and use case, settled through onboarding with support, and pricing is never published.
Frequently asked questions
Zepto scores C+ on the API Report Card. Zepto ships open docs, OpenAPI specs, OAuth 2.0 and a free sandbox with every product enabled. Production access is another matter: eligibility depends on your vertical and use case, settled through onboarding with support, and pricing is never published.
Zepto has an official API, but teams routinely hit its limits: gated access, partial coverage, or paid tiers. Most end up supplementing it with exports or an unofficial API layer like Supergood. Site terms may apply to any integration approach, and how they apply is a determination each team makes for itself.
Zepto is an Australian payments platform that moves money over domestic account to account rails, marketed to businesses as a single API integration for collecting and disbursing funds.
Finance, specifically Australian businesses and platforms that need account to account collections and payouts. The buyer is a merchant, biller, marketplace or software vendor embedding domestic payment rails, not a consumer. Teams integrate Zepto to initiate payments, raise payment requests, manage payer contacts and bank connections, issue refunds against credits, and run transfers between accounts.
Zepto positions itself as a fintech with access to Australian account to account payment infrastructure, and its public materials name no customer counts, logos or market share figures, so reach reads as regionally focused rather than broad.
Zepto holds payment instructions and their lifecycle states, payer and payee contact records, bank accounts and bank connections, PayTo agreements and their mandates, transfers, transaction ledgers, refunds and credits, plus merchant reporting and investigation records.
The surface is contemporary in construction: REST over JSON, ISO 4217 currencies, ISO 8601 timestamps, OAuth 2.0 with scopes, static outbound IP addresses for webhook delivery, and downloadable OpenAPI specifications carrying a dated version identifier.
Common alternatives include GoCardless, Stripe, Modern Treasury, Monoova. Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.