Make a Payment

post

https://api.sandbox.zeptopayments.com/payments

To enable custom payment flows, the required payment channel can be selected by setting the channel attribute to one of the following combinations:

["new_payments_platform"] - for faster payments 24/7/365
["direct_entry"] - for slower traditional payments
["new_payments_platform", "direct_entry"] - enables automatic channel switching if a payment fails on the NPP

We now require supplying an Idempotency-Key header when performing this request to ensure you can safely retry the action in case of an issue. If the header value is different to one provided previously, we will be treating a request as a new operation which may lead to duplicate payments. To understand more on how to make idempotent requests, please refer to our Idempotent requests guide.

Body Params

description

string

required

User description. Only visible to the payer. ASCII-printable characters and unicode emojis are accepted.

matures_at

date-time

required

Date & time in UTC ISO8601 the Payment should be processed. (Can not be earlier than the start of current day in Sydney AEST/AEDT)

your_bank_account_id

string

required

Specify where we should take the funds for this transaction. If omitted, your primary bank account will be used.

channels

array

required

Specify the payment channel to be used, in order. (new_payments_platform, direct_entry, or both)

channels*

payouts

array of objects

required

One Payout object only

payouts*

metadata

string

Headers

Idempotency-Key

string

required

Idempotency key to support safe retries for 24h

Zepto-API-Version

string

Defaults to 20250101

API version in YYYYMMDD format. Defaults to 20250101 (legacy) when omitted.

Responses

Language

Credentials

OAuth2

URL

Response

Click Try It! to start a request and see the response here! Or choose an example:

application/json

201Created

400Bad Request (errors)