Zepto Transactions API
By default, the transactions endpoint provides a detailed look at all past, current and future debits & credits related to your account.Want to also know about the debits & credits applied to the other party? No problem! Use the both_parties=true query string.##LifecycleA transaction (debit or credit) can have the following statuses:| Status | Description ||--------|-------------|| `maturing` | The maturation date has not yet been reached. || `matured` | The maturation date has been reached and the transaction is eligible for processing. || `preprocessing` | The transaction is undergoing pre-checks before being sent to the bank. || `processing` | The transaction has been submitted to the bank. || `clearing` | Waiting for confirmation from the bank that the transaction has succeeded. || `cleared` | The transaction is complete. || `rejected` | The bank has rejected the transaction due to incorrect bank account details. || `returned` | The transaction did not successfully clear. || `voided` | The transaction has been cancelled and is no longer eligible for processing. || `pending_verification` | The bank account must be verified before the transaction can proceed. || `paused` | The transaction has temporary been paused by Zepto pending internal review. || `channel_switched` | The initial payment channel has failed and the credit has automatically switched to attempt the payment using the next available channel. |## Failure codes> Example response```json{ "data": [ { "ref": "D.3", "parent_ref": null, "type": "debit", "category": "payout_refund", "created_at": "2021-04-07T23:15:00Z", "matures_at": "2021-04-10T23:15:00Z", "cleared_at": null, "bank_ref": null, "status": "returned", "status_changed_at": "2021-04-08T23:15:00Z", "failure" : { "code": "E251", "title": "Voided By Initiator", "detail": "The transaction was voided by its initiator.", }, "failure_details": "Wrong amount - approved by Stacey" "party_contact_id": "26297f44-c5e1-40a1-9864-3e0b0754c32a", "party_name": "Sanford-Rees", "party_nickname": "sanford-rees-8", "description": null, "amount": 1, "bank_account_id": "56df206a-aaff-471a-b075-11882bc8906a" "channels": ["float_account"] "current_channel": "float_account" } ]}```The rejected, returned & voided statuses are always accompanied by a failure code, title and detail as listed below.### DE credit failures| Code | Title | Detail || ------------ | ------------- | -------------- || E101 | Invalid BSB Number | The BSB is not valid or is no longer active. || E102 | Payment Stopped | The target institution has blocked transactions to this account. Please refer to customer. || E103 | Account Closed | The target account is closed. || E104 | Customer Deceased | The target account's owner has been listed as deceased. || E105 | Account Not Found | The target account number cannot be found by the financial institution. || E106 | Refer to Customer | Usually means that there is an issue with the account receiving a credit that only the customer and their financial institution can resolve. Please refer to customer. || E107 | Account Deleted | The target account is deleted. || E108 | Invalid UserID | Please contact Zepto for further information. || E109 | Technically Invalid | Usually means that the account is not creditable or that the reason for failure cannot be categorised within the standard BECS return codes. Please refer to customer. || E150 | Voided By Admin | The transaction was voided by an administrator. || E151 | Voided By Initiator | The transaction was voided by its initiator. || E152 | Insufficient Funds | There were insufficient funds to complete the transaction. || E153 | System Error | The transaction was unable to complete. Please contact Zepto for assistance. || E154 | Account Blocked | The target account is blocked and cannot receive funds. || E199 | Unknown DE Error | An unknown DE error occurred. Please contact Zepto for assistance. |### DE debit failures| Code | Title | Detail || ------------ | ------------- | -------------- || E201 | Invalid BSB Number | The BSB is not valid or is no longer active. || E202 | Payment Stopped | The target institution has blocked transactions to this account. Please refer to customer. || E203 | Account Closed | The target account is closed. || E204 | Customer Deceased | The target account's owner has been listed as deceased. || E205 | Account Not Found | The target account number cannot be found by the financial institution. || E206 | Refer to Customer | Usually means insufficient funds or that the target account has breached their transaction limits. || E207 | Account Deleted | The target account is deleted. || E208 | Invalid UserID | Please contact Zepto for further information. || E209 | Technically Invalid | Usually means that the account is not debitable or that the reason for failure can not be categorised within the standard BECS return codes. Please refer to customer. || E250 | Voided By Admin | The transaction was voided by an administrator. || E251 | Voided By Initiator | The transaction was voided by its initiator. || E252 | Insufficient Funds | There were insufficient funds to complete the transaction. || E253 | System Error | The transaction was unable to complete. Please contact Zepto for assistance. || E299 | Unknown DE Error | An unknown DE error occurred. Please contact Zepto for assistance. |### NPP credit failures| Code | Title | Detail || ------------ | ------------- | -------------- || E301 | Upstream Network Outage | An upstream network issue occurred. Please try again later. || E302 | BSB Not NPP Enabled | The target BSB is not NPP enabled. Please try another channel. || E303 | Account Not NPP Enabled | The target account exists but cannot accept funds via the NPP. Please try another channel. || E304 | Account Not Found | The target account number cannot be found. || E305 | Intermittent Outage At Target Institution | The target financial institution is experiencing technical difficulties. Please try again later. || E306 | Account Closed | The target account is closed. || E307 | Target Institution Offline | The target financial institution is undergoing maintenance or experiencing an outage. Please try again later. || E308 | Account Blocked | The target account is blocked and cannot receive funds. || E399 | Unknown NPP Error | An unknown NPP error occurred. Please contact Zepto for assistance. |
Zepto Transactions API is one of 22 APIs that Zepto publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
Tagged areas include Transaction. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.
This API exposes 1 operation across 1 path, and defines 4 schemas. It is described by OpenAPI 3.2.0, at version 1.0.
Requests are made against 2 base URLs: https://api.sandbox.zeptopayments.com, https://api.zeptopayments.com.
Metadata
The identity and technical contract details declared by the specification.
Authentication & Security 1
Zepto Transactions API declares
1 security scheme
for authenticating requests.
It supports OAuth 2.0 (bearerAuth) using the authorizationCode flow, exposing 9 scopes.
By default, every request must be authenticated.
Paths & Operations 1
Across 1 path, the API surfaces 1 operation — 1 GET. Each is listed below with its method, path, parameters, and response codes.
By default, the transactions endpoint provides a detailed look at all past, current and future debits & credits related to your account. Want to also know about the debits & credi…
Schemas 4
The contract defines 4 schemas that model the data the API accepts and returns. The most detailed are TransactionResponse (23 properties), Failure (3 properties), ListAllTransactionsResponse (1 property). Each schema is shown below with its type and property counts.
Specification
The full machine-readable OpenAPI contract behind this narrative.
Source
More from Zepto 12
Other APIs Zepto publishes across the network.
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