DEVELOPER GUIDE

Simulating Incoming Payments in Sandbox

This article explains how to the test incoming payments within Zepto's Sandbox environment.

When you start integrating with Zepto, you will want to test for as many situations as possible before moving to our live production environment. Our sandbox environment offers you a simple and effective way to test your integrations before going live.

All transactions in our Sandbox environment are simulated and no communication with financial institutions is performed.

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.

Simulating an incoming PayID payment in the Sandbox environment

Scenario: Simulate receiving a real-time PayID payment from one of your Receivable Contacts.

Endpoint: POST /simulate/incoming_npp_payid_payment

{
  "payid_email": "[email protected]",
  "amount": "1501",
  "from_bsb": "654321",
  "from_account_number": "12345678",
  "debtor_name": "Debtor Name",
  "debtor_legal_name": "Name of the debtor",
  "payment_description": "For 1 Rocket please",
  "payment_reference": "Purchase - Rocket"
}

{
  "data": {
    "id": "aebf903f-8e9f-48d5-baf4-ddfde6f4e626",
    "payid_email": "[email protected]",
    "amount": 1501,
    "debtor_name": "Debtor Name",
    "debtor_legal_name": "Name of the debtor",
    "from_bsb": "654321",
    "from_account_number": "12345678",
    "payment_description": "For 1 Rocket please",
    "payment_reference": "Purchase - Rocket"
  }
}

Simulating an incoming real-time payment in the Sandbox environment

Scenario: Simulate receiving a real-time payment to either a Receivable Contact or one of your float accounts, made using a BSB and account number (i.e. not via PayID).

Endpoint: POST /simulate/incoming_npp_bban_payment

{
  "to_bsb": "802919",
  "to_account_number": "1344254",
  "amount": "1501",
  "from_bsb": "654321",
  "from_account_number": "12345678",
  "debtor_name": "Debtor Name",
  "debtor_legal_name": "Jack Karlson",
  "payment_description": "Name of the debtor",
  "payment_reference": "Purchase - Rocket"
}

{
  "data": {
    "id": "91deafbf-bdba-425a-b5bc-c29f7ed99c5e",
    "amount": 1501,
    "debtor_name": "Debtor Name",
    "debtor_legal_name": "Name of the debtor",
    "from_bsb": "654321",
    "from_account_number": "12345678",
    "to_bsb": "802919",
    "to_account_number": "1344254",
    "payment_description": "For 1 Rocket please",
    "payment_reference": "Purchase - Rocket"
  }
}

Simulating an incoming DE payment in the Sandbox environment

Scenario: Simulate receiving a Direct Entry payment (i.e. not a real-time payment) to either a Receivable Contact or one of your float accounts.

Endpoint: POST /simulate/incoming_de_payment

{
  "to_bsb": "802919",
  "to_account_number": "1344254",
  "amount": "1501",
  "from_bsb": "654321",
  "from_account_number": "12345678",
  "debtor_name": "Debtor Name",
  "payment_reference": "Purchase - Rocket"
}

{
  "data": {
    "id": "edba2dce-15ee-4e20-ae97-42e2ffbf93a1",
    "amount": 1501,
    "to_bsb": "802919",
    "to_account_number": "1344254",
    "debtor_name": "Debtor Name",
    "payment_reference": "Purchase - Rocket",
    "from_bsb": "654321",
    "from_account_number": "12345678"
  }
}