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).

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