What's new at Zeal

Every card-bearing action now takes an optional par — the EMV Payment Account Reference. Zeal forwards it to the Zeal backend alongside the loyalty_token.

• Available on AfterCardDetectedRequest, DigitalReceiptRequest, RefundTransactionRequest, MarkAsRefundRequest and MarkAsReverseRequest.
• Optional everywhere. Leave it null and the field is omitted from the payload — existing integrations need no change.
• Send it once on afterCardDetected and Zeal reuses it for the rest of the transaction, so later actions may omit it.

The Zeal Acquirer API is now GA. Distributors and payment providers can manage their full estate of branches and terminals over a single REST surface, authenticated via the API-KEY header.

• Merchant lifecycle: create, list, fetch, archive.
• Terminal lifecycle: create, list, update, reassign, archive, restore, delete.
• Lookup endpoints for payment providers, distributors, acquirers, and payment apps.

flowHandler.refund() and flowHandler.reverse() are now exposed in FlowHandler with dedicated request/response models — no more wrapping BaseResponse by hand.

• RefundTransactionRequest accepts an optional transaction_id to link standalone refunds to a sale.
• MarkAsReverseRequest takes an optional reversal payment reference.

The ECR SDK ships a single object — ZealSDK — exposing initialize, listTerminals, syncCatalog, startTrx, and showDialogs as suspending Kotlin functions.

• Real-time transaction state via Pusher; startTrx returns a typed TrxResponse when the terminal completes.
• 60-second hard timeout — surfaced as TimeoutException.
• Built-in dialogs for processing / success / decline.

DigitalReceiptResponse now carries a payment_reference string so downstream MarkAsReverse calls can link cleanly to the original sale.

When the target application has not registered a manifest receiver for an action, subscribe now surfaces NotRegisteredFlowException instead of a generic timeout — letting your payment app fall back gracefully.

• Added build.gradle.kts install instructions.
• Broadcast routing latency between the payment app and Zeal is now ~40% lower on supported terminals.
• Fixed a race where afterCardDetected could fire twice for chip + contactless fallback.

All seven flow actions now have dedicated request and response classes that extend BaseResponse. The legacy untyped return from FlowHandler is removed — see the API reference for every model.