The Zepto Ecosystem

Zepto is an interconnected ecosystem of highly composable cloud-native technology architected for scale, real-time payments infrastructure, open banking capabilities, a cohort of payments-obsessed people, a culture of innovation, automation and agility. And one very clever API.

Certifications and licences

The first non-ADI, accredited CDR data recipient approved to connect directly to the NPP as a Connected Institution.

The first non-bank Payments Provider Accredited Data Recipient (September 2021)

The first PayTech to be an approved AusPayNet Tier 2 BECS Participant (BSB 840 / SPL)

Authorised and licensed by ASIC for Non-Cash Payments (AFSL No# 505929 / 1282223)

Authorised and licensed by the Financial Markets Authority in New Zealand (FSP# 711431)

Full Compliance with APRA Prudential Standards (CPS 234 Information Security)

Registered SWIFT Bank Identifier Number SPPYAU22 for ISO 9362 compliance

ASAE 3150 compliant as independently certified the auditor RSM Australia

Technical Infrastructure

Zepto’s cloud-native and cloud-agnostic application and infrastructure is compliant with, among other standards, ISO27001, ASAE 3150, CPS 234 & CIS Benchmark Level 2.

Encryption & Security

All persisted data is encrypted at rest in highly available, replicated databases across Australian regions. Overarching these facilities is a suite of logging, security & intrusion detection/monitoring tools enabling real time notifications, administrative UI and automated response plans.

Speed & Scale

Zepto utilises modern devops best practices and tools such as Kubernetes to facilitate rapid deployment, scaling and visibility.

Open banking

In September 2021, Zepto became the first non-bank payments provider in Australia to receive Accredited Data Recipient [ADR] accreditation under the ACCC’s Consumer Data Right [CDR].

We believe that open banking is more than just a secure connection to transactional data, it is an ideology that can deliver positive social outcomes for everyone.

Real Time Payments Platform

Australia’s New Payment Platform (NPP) infrastructure powers real-time payments. Zepto accesses NPP real-time payment rails through our accreditation as a New Payment Platform Connected Institution.


Our people are the very best in the business, and are core to who we are as a company. We are creative, curious, compassionate and passionate about payments. 

We acknowledge our great fortune to be creating a remarkable company from Byron Bay on the lands of the Arakwal people of the Bundjalung nation–the traditional custodians of this country.

People & Culture