Direct Debit Solution Overview
DIRECT DEBIT OVERVIEW
Zepto Direct Debit Solution Overview
Build a simple direct debit flow in two core steps: create a trusted direct debit contact and agreement, then initiate payment requests against that saved contact.
Step 1
Create a Direct Debit Contact
Create a KYC trusted contact, store bank account details, and establish the direct debit agreement in a single API call.
POST /agreements/kyc
- Create the authoriser contact
- Store BSB and account number
- Create and persist the agreement
- Save the returned
contact_id
Ensure DDR and DDRSA consent is captured before initiating payments.
Step 2
Make a Payment Request
Initiate a debit using the saved authoriser_contact_id.
POST /payment_requests
- Set amount (in cents)
- Provide description and maturity date
- Reference
authoriser_contact_id - Include destination account
Payments automatically process if within agreement limits.
Single setup flow
Create the contact, bank account, and agreement together for a cleaner onboarding experience.
Reusable customer reference
Store the returned contact_id once and use it to initiate future debits.
Webhook-driven processing
Use asynchronous event updates to keep your platform informed as each payment request progresses.
Updated about 4 hours ago