The New Standard in Real-time payments

Who is Zepto?

Zepto is a powerhouse in Australian fintech and a leader in real-time, account-to-account payment infrastructure. As an NPP Connected Institution and Accredited Data Recipient, they provide the secure, API-led engine behind modern solutions like PayTo and PayID. Their technology allows ZenPay to offer instant account validation and real-time funds settlement, bypassing the delays of traditional banking.

Our Partnership with Zepto

By combining ZenPay’s payment expertise with Zepto’s real-time infrastructure, we have built a seamless ecosystem that ensures payments move instantly and securely. This partnership allows our customers to bypass traditional banking delays through automated reconciliation and industry-leading account-to-account technology.

The PayTo Advantage

Real-Time Settlements

Experience immediate cash flow with real-time account-to-account settlements that eliminate the delays of legacy banking.

upfront verification

Automatic account validation reduces failed payments and insufficient fund bounces. 

payer control


Customers can view and manage their payment agreements directly inside their banking app for better security. 

the PayID Advantage

speed

Payments made through PayID are typically sent in under a minute through Osko. 

secure

No need to provide your BSB and Account Number which fraudsters can use to direct debit. 

simple

Payments are made in simple, intuitive steps in the security of your customer’s online banking. 

Our impact across every industry

EDUCATION

Streamlined school fee collections with instant account verifications and real-time settlements to ensure vital funds are always available when needed.

TRAVEL

Travel agents can instantly secure bookings, providing immediate cash flow and peace of mind for high-value transactions. ​

VETERINARY

Our partnership ensures immediate settlement for treatments, allowing staff to focus on patient care rather than administrative tasks or delayed payments.

LEGAL

Law firms can instantly secure retainers and settle matter charges through ZenPay's integration with Zepto, removing manual admin from complex legal billing cycles.

GYM & WELLNESS

Automate membership billing with instant account verification, eliminating failed payments and securing consistent cash flow.

INDUSTRY ASSOCIATIONS

Instantly process renewals, events, and sponsorships through ZenPay's integration with Zepto, eliminating manual admin and creating a seamless member experience.

Ready to experience the future of payments?

Speak with our team to explore how Zenpay can optimise your business with PayTo solutions and start collecting funds instantly.