Terms & Conditions


The Payment Initiator wishes to direct debit the User’s bank account in exchange for services provided by the Payment Initiator. This document outlines the rights and responsibilities you, the User, have with regard to the ability of Zepto to directly debit your nominated bank account for any instalments or fees due by you under the terms and conditions of this Contract and DDR Service Agreement, the terms of which are stated below. Should you have queries regarding your Contract or the DDR form you should in the first instance contact Zepto.

Parties to Contract

The parties to the contract are the Payment Initiator, the User and Zepto. All communication relating to this Contract is to be sent directly to Zepto. The User acknowledges that Zepto has been contracted by the Payment Initiator to collect the Instalments due under this Contract, and also acknowledges that all rights of the Payment Initiator pursuant to this Contract are able to be enforced by Zepto as if it were the Payment Initiator without any involvement on the part of the Payment Initiator or the consent of the User.


The User agrees to pay the instalment amount at the agreed payment frequency until this Contract is terminated in accordance with the Termination of Contract clause below. Should there be any arrears in payments, the User authorises Zepto to debit the outstanding balance in order to bring the account up to date.

Termination of Contract

The User may terminate this Contract before the expiry of the minimum term or payments if all the instalments and fees due up to the date of termination are paid, and in addition the cancellation fee as specified on the front of this Contract is paid to the Payment Initiator. Should the User enter into an agreement with the Payment Initiator which requires recurring or scheduled payments, then this Contract shall continue indefinitely until such time as the User requests Zepto to terminate, and all payments under contract have been made. Requests to cancel the Contract should be made directly with the Payment Initiator.  Zepto will effect termination once it obtains instructions from the Payment Initiator to do so.  The period of notice will be determined by the Payment Initiator.  The Payment Initiator should contact Zepto if they have not received written confirmation of the termination within the period of notice specified by the Payment Initiator. The User shall not consider that this contract has been terminated until such time as this is confirmed until Zepto notifies the User.  Termination of this Contract will also terminate the Direct Debit Request Authority.

Breach of Contract

The User, Zepto and the Payment Initiator each hold reciprocal rights of termination for a material breach of any term or condition of this Contract. The Contract will be terminated upon receipt of written notice outlining and substantiating the relevant breach.

Enduring Payment Consent

Enduring Payment Consent: by entering into this agreement, the User acknowledges that the User is providing Enduring Payment Consent  (for a one-off or recurring payment) for Zepto to facilitate payments from you to the Payment Initiator and/or merchant for goods or services.  The User agrees that this consent will be legally binding on the User until such time as the User terminates the enduring payment consent with the Payment Initiator or Zepto


A User’s “personal information” (as that term is defined in the Privacy Act 1988 (Cth)) will only be used by Zepto to provide you with the services contemplated by this Contract. Zepto’s Privacy Policy is to be found on its website www.zepto.com.au/privacy.


To the extent permitted by law, Zepto hereby excludes any liability of Zepto to the User in contract, tort, statute or in any other way for any injury, damage or loss of any kind whatsoever (including, without limitation, any liability for direct, indirect, special or consequential loss or damage), sustained by the User and/or any other person, or for any costs, charges or expenses incurred by the User, arising from or in connection with this Contract and/or the services/products provided by Zepto, and/or any act or omission of Zepto.

Zepto does not accept any liability for the provision, merchantable quality or fitness for purpose of the underlying goods or services provided to the User by the Payment Initiator and/or merchant and therefore the User holds Zepto harmless for any claim that may arise from the non-provision of services by the Payment Initiator and/or merchant or any other claim that may be made against the Payment Initiator and/or merchant under Consumer Law.

Provision of Service

Change of location or ownership or the name of the Payment Initiator does not absolve the User of responsibilities under the terms and conditions of this Contract.

Direct Debit Request (DDR)

You request and authorise Zepto (User ID# 454146, 492448, 500298, 507533, 518403, 518404, 531942, 543948, 543950, 543949, 543954, 543947, 543955, 543956, 543957, 543958, 543962, 600993, 600994, 600995, 600996, 600997, 600998, 600999, 601001, 601002, 601003, 601004, 601005, 601006, 601007, 601008, 612056, 612057, 613600, 613601, 613602, 613603, 613604, 613605, 613606, 613607, 613608, 613609) to arrange, through its own financial institution, a debit to your nominated account any amount Zepto, has deemed payable by you. This debit or charge will be made through the Bulk Electronic Clearing System (BECS) from your account held at the financial institution you have nominated below and will be subject to the terms and conditions of the Direct Debit Request Service Agreement.

Entire Agreement

This Contract, the DDR Service Agreement, any contractual agreement entered into between the User and the Payment Initiator constitute the entire agreement, understanding and arrangement (express and implied) between the User, the Customer and Zepto relating to the subject matter of this Contract and supersedes and cancels any previous agreement, understanding and arrangement relating thereto whether written or oral. In the event of any inconsistency between the term(s) of this Contract, the DDR Service Agreement and the User Agreements, (where such inconsistent term(s) specifically relate to the rights and obligations of the Payment Initiator, other than the right to unilaterally vary fees payable), the term(s) of the User Agreements (which specifically relate to the rights and obligations of the Payment Initiator) will prevail only to the extent of such inconsistency. If any provision of this Contract is invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions will not be affected and such invalid, illegal or unenforceable provision is to be severed from this Contract. Nothing in this clause alters, voids or diminishes Zepto’s rights with the Payment Initiator under the Commercial Agreement.


COMMERCIAL AGREEMENT: means the Commercial Agreement between Zepto and the Payment Initiator.

CONSUMER USER: means a Consumer that:

(a) has connected their Consumer Account to the Platform using the authentication method provided by the Company;

(b) has entered into a DDR, DDRSA and Consumer User Contract.

MERCHANT USER: means a Merchant that:

(a) has connected their Merchant Account to the Platform using the authentication method provided by the Company;

(b) has entered into a DDR, DDRSA and Merchant User Contract.

PAYMENT INITIATOR: means the party the Merchant User or Consumer User is authorising Zepto Payments Pty Ltd to direct debit the User’s account acting on their behalf.

Zepto:  means Zepto Payments Pty Limited (ACN 604 057 598), 3/66 Centennial Circuit

Byron Bay NSW Australia 2481

Phone: 1300 611 406

E-mail: enquiries@zepto.com.au

USER: means You, the Merchant User or Consumer User.