DEVELOPER GUIDES
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Client Registration Guide

DEVELOPER GUIDE

Register Clients with Zepto

Learn how to register merchants, businesses, and sub-clients with Zepto using the Create Client API. This guide explains when to use the endpoint, what information to collect, and how to structure your integration.


Overview

The Create Client API allows platforms and enterprise partners to register downstream clients under their Zepto account. This is useful when your business manages merchants, sub-clients, or white-labelled payment experiences.

USE CASE

Platform onboarding

Register merchants or businesses that use Zepto payment services through your platform.

USE CASE

White-label partners

Create client records for customers operating under your branded payment experience.

USE CASE

Enterprise relationships

Manage multiple business clients while maintaining a clear parent-client relationship.

Integration flow

Your platform collects the required business and compliance information, submits it to Zepto, and receives a client record that can be used for downstream payment services.

1

Collect details

Capture business, compliance, address, and service information.

2

Validate data

Confirm required fields such as ABN, legal name, and requested services.

3

Create client

Submit the client registration request to Zepto.

4

Receive response

Store the Zepto client identifier returned in the response.

5

Start processing

Use enabled services such as PayTo, RTP, or DE.

How can I register clients with Zepto?

1. via Merchant Portal

  1. Log into your Zepto Merchant Portal.
  2. On the side menu, navigate to Clients.
  3. Click on the New Business Sub-Client button.
  4. Fill out the form and complete the registration.

2. via API

  • Follow the instructions below to integrate the client registration process into your onboarding workflow using our API.

Endpoint

POST /clients
Tip: Always include an explicit API version header to keep your integration predictable. 
Zepto-API-Version: 20260101

Required client information

The information required depends on the client type and the services requested. For business clients, you should expect to collect the following information before calling the API.

Business details

  • Legal name
  • ABN
  • Business names
  • Registration date

Compliance details

  • Merchant Category Code
  • Risk level
  • Licences, if applicable
  • AUSTRAC details, if applicable

Operational details

  • Registered address
  • Website URL
  • Contact information
  • Requested services

Supported services

Service Description
PayTo Create and manage PayTo agreements and payments.
RTP Process PayID payments, payouts, and refunds.
DE Submit Direct Debit payment requests and Direct Credit payouts.

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.

Overview

When a dispute is raised by the bank, Zepto creates the investigation, notifies your platform, and requests merchant action.

Warning

Make sure you submit evidence before the due date. Missing the deadline may result in the case being closed or rejected.

Success

Once accepted, the action request is completed and the dispute workflow progresses accordingly.

Important

Rejecting an action request without the correct review may cause avoidable operational issues.

Tip

Retrieve the investigation first, then inspect the active action request so you can present the right next step to your merchant.