Supports UPI, cards, net banking, and recurring payments with transparent, low transaction fees.
Works seamlessly with Zoho tools like Books, CRM, and Arattai for in-chat and in-platform payments.
PCI DSS Level 1, ISO 27001 certified, with AES-256 encryption and real-time fraud detection.
Homegrown tech giant Zoho is working on Zoho Pay, a new UPI-based payments app. Currently in internal testing, the app will see a phased rollout across India in the coming months. Interestingly, Zoho Pay will also be integrated into Zoho’s messaging platform, Arattai, allowing users to send and receive money directly through chat. With Zoho Pay, the company aims to take on established players like Google Pay, PhonePe, and Paytm.
SurveyZoho Pay will offer several payment options, including UPI, cards, net banking, and Banking Connect. Users can even collect recurring payments through UPI, making it ideal for subscription-based services.
The app also provides multiple ways to accept payments, through invoice emails, payment links, dedicated payment pages, or client portals, allowing customers to choose how they pay. For businesses managing large transaction volumes, Zoho Pay will let users track chargebacks, respond to them, and submit evidence all in one dashboard.
Additionally, Zoho Pay promises faster settlements without any hidden charges, ensuring uninterrupted cash flow. Merchants can access customisable reports covering everything from transaction histories and refunds to payment failures and account summaries.
Furthermore, businesses already using tools like Zoho Books, Zoho CRM, or Zoho Invoice can seamlessly collect payments within those platforms. For others, Zoho offers simple API integration to embed payments directly into their websites.
Zoho Pay transaction fee
On Zoho Pay, UPI payments incur a 0.5% platform fee, while card, net banking, and RuPay transactions incur a 2% platform fee. For bank transfers, it’s either 1% or Rs 10, whichever is lower. Transactions made through corporate credit cards will incur a 2.75% fee.
All platform fees are deducted before the final settlement is deposited into the user’s bank account, keeping the process clean and predictable.
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Zoho Pay security features
Zoho Pay comes with enterprise-grade security from the ground up. The platform is PCI DSS Level 1 and ISO 27001:2022 certified, ensuring top-tier compliance. Data is encrypted using TLS 1.2/1.3 in transit and AES-256 while at rest.
Additionally, Zoho employs intrusion detection, real-time monitoring, and advanced fraud prevention systems to safeguard user data and transactions.
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Himani Jha
Himani Jha is a tech news writer at Digit. Passionate about smartphones and consumer technology, she has contributed to leading publications such as Times Network, Gadgets 360, and Hindustan Times Tech for the past five years. When not immersed in gadgets, she enjoys exploring the vibrant culinary scene, discovering new cafes and restaurants, and indulging in her love for fine literature and timeless music. View Full Profile
