As digital payments become central to modern business, companies need platforms that are fast, reliable, secure, and seamlessly integrated with their day-to-day operations. Recognizing this need, Zoho has entered the Indian payments space with a strong contender: Zoho Payments.
This is not just another payment gateway. It’s a powerful, Made-in-India platform that’s built to serve businesses of all sizes — with an eye on global expansion and a vision to deliver seamless financial automation, directly within the Zoho ecosystem.
What is Zoho Payments?
Zoho Payments is an end-to-end digital payment platform launched by Zoho Payment Technologies, a subsidiary of Zoho Corp. It enables businesses to accept, process, and manage digital payments within Zoho apps like Zoho Books, Zoho Billing, Zoho Commerce, Zoho Checkout, Zoho Inventory, and more.
It’s designed for businesses that want frictionless integration between invoicing, accounting, and payment collection — all in one place, without depending on third-party payment gateways.
Zoho Payments was Launched with Full Regulatory Backing in 2024
Launched: August 29, 2024, announced at Global Fintech Fest 2024
Regulatory Approvals:
- Received a PAPG license (Payment Aggregator and Gateway) from the Reserve Bank of India (RBI)
- Registered as a Bharat Bill Payment Operating Unit (BBPOU) under NPCI’s Bharat BillPay system
This marks Zoho’s official entry into India’s regulated payments sector — a significant step toward offering a complete business operating system.
Made in India, For the World
Zoho has always stayed committed to building world-class software products in India — by Indians, for global markets. With Zoho Payments, that vision takes another leap. It aims to:
- Empower Indian businesses with enterprise-grade financial tools
- Reduce reliance on third-party gateways like Razorpay, Stripe, and PayTM
- Streamline financial operations within a secure, privacy-first ecosystem
U.S. Expansion
In May 2025, Zoho expanded Zoho Payments to the United States, marking its official entry into the U.S. payments market. This move reinforces Zoho’s global ambition of delivering localized, enterprise-ready fintech solutions across key international markets.
With this expansion, Zoho Payments is positioning itself as a serious global competitor to Stripe, PayPal, and other legacy players — but with the unique advantage of being deeply integrated into a broader suite of business applications.
Recent Expansion to POS
Zoho is extending its reach beyond online payments to the physical retail space with a range of new hardware offerings, launched at the Global Fintech Fest in October 2025. These additions are designed to provide seamless, omnichannel payment experiences for businesses of all sizes.
Key hardware offerings include:
- POS Terminals for smooth, secure in-store purchases
- QR Code Devices enabling quick walk-in UPI payments, ideal for retail outlets and service counters
- Soundboxes that confirm UPI payments with audible alerts, similar to devices offered by PayTM and PhonePe
With these solutions, Zoho is positioning itself as a full-stack payment provider, bridging the gap between online and offline transactions. This move challenges traditional leaders like PayTM and Razorpay by offering an integrated payment ecosystem that supports both digital and physical sales channels.
What’s the Value of Zoho Payments for Your Business?
For businesses already using Zoho’s finance suite, Zoho Payments offers tremendous strategic value:
- One ecosystem for accounting, invoicing, and payments — fewer integrations, less hassle
- Cost-effective: Competitive platform fees with 0% charges on many UPI transactions
- Faster cash flow: Automated invoicing + real-time payment collection = quicker access to revenue
- Improved accuracy in reconciliation, reduced manual entry
- Better control and visibility over your entire financial process
Things to Watch
- Settlement Times: Depending on the payment method, fund settlement may vary
- Business Eligibility: KYC and compliance documentation are mandatory to activate Zoho Payments
- Still India-Focused: As of now, it’s tailored for Indian businesses. Global rollout is expected but not yet live
Conclusion
With Zoho Payments, Zoho is stepping into a domain dominated by giants — and doing it with a solid, integrated, and regulation-ready platform. It’s a game-changer for Indian businesses looking for simplicity, automation, and control over their payment processes.
Whether you’re a startup, SME, or an established enterprise, Zoho Payments offers a scalable, secure, and efficient way to manage digital transactions — with the power of the Zoho ecosystem behind it.
Integs Cloud: Your Trusted Zoho Implementation Partner
As your Zoho Authorized Partner, Integs Cloud brings over two decades of ERP and cloud expertise to the table. We specialize in seamlessly deploying and customizing Zoho applications across Finance, HR, Sales, and Operations, ensuring they align with your unique business workflows.
With our deep knowledge of the Zoho ecosystem, we help you:
- Implement Zoho Payments and finance tools quickly and effectively
- Tailor automation rules to your exact invoicing and collection process
- Unlock real-time dashboards and reporting that drive decisions
- Reduce friction in your finance operations with smart integrations
Ready to explore how Zoho Payments fits into your business?
Contact Integs Cloud today — and take the first step toward financial automation that works.
