via API

In order to make a payment request, you must have created a DD contact in Zepto system.

Step 1 - Make a payment request

{
  "description": "Visible to both initiator and authoriser",
  "matures_at": "2016-12-19T02:10:56Z",
  "amount": 99000,
  "authoriser_contact_id": "de86472c-c027-4735-a6a7-234366a27fc7",
  "your_bank_account_id": "9c70871d-8e36-4c3e-8a9c-c0ee20e7c679",
  "metadata": {
    "custom_key": "Custom string",
    "another_custom_key": "Maybe a URL",
    "remitter": "CustomRemitter" //the party being credited will see the designated remitter name along the entry on their bank statement.
  }
}

{
  "data": {
    "ref": "PR.3",
    "initiator_id": "ca7bc5b3-e47f-4153-96fb-bbe326b42772",
    "authoriser_id": "970e4526-67d9-4ed9-b554-f5cf390ab775",
    "authoriser_contact_id": "de86472c-c027-4735-a6a7-234366a27fc7",
    "schedule_ref": null,
    "status": "pending_approval",
    "responded_at": null,
    "created_at": "2016-12-19T02:10:56Z",
    "credit_ref": null,
    "payout": {
      "amount": 99000,
      "description": "The elite package for 4",
      "matures_at": "2016-12-25T00:00:00Z"
    },
    "metadata": {
      "custom_key": "Custom string",
      "another_custom_key": "Maybe a URL"
    }
  }
}

The above API call will create a request for payment from the contact that you have specified in the authoriser_contact_id field.

The amount field is given in cents, so, in the above example, the field "amount": 99000 is equal to requesting $990.00 from this contact.

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.

Step 2 - Listen to the webhook notification

A series of webhook events will be trigger as the payment processes through various stages. Refer to this page to learn about the webhooks flow.

Sandbox Simulations

To ensure you understand different outcomes when a transaction is processed and incorporate all the scenarios in your integration, refer to the Sandbox Simulations Guide.

Refunding a DD Payment

Refer to this guide to learn about how to refund a DD payment.