Zoho Payments - 2026 Pricing, Features, Reviews & Alternatives

Zoho Payments serves as a comprehensive payment gateway solution that enables businesses to accept payments through multiple methods including UPI, cards, and Net Banking options. The platform provides a unified payment management system where businesses can handle all payment operations from a single interface, streamlining processes from payment acceptance to dispute resolution and chargeback management. This centralized approach eliminates the need for businesses to communicate with multiple support teams for transaction-related issues, as all services are managed through one dedicated support system.

The payment gateway integrates seamlessly with websites through well-documented APIs and functions natively within the Zoho ecosystem of business applications including Zoho Books, Zoho Checkout, and Zoho Commerce. This integration allows businesses to collect payments directly through various channels such as invoice emails, payment links, dedicated payment pages, and client portals. The system processes settlements efficiently, with businesses receiving payouts within two days of completed transactions, helping maintain consistent cash flow.

Security is a fundamental aspect of Zoho Payments, which maintains PCI DSS Level 1 compliance, implements SSL-encrypted data transmission, and offers multi-factor authentication. The platform incorporates advanced fraud prevention features to protect all transactions and is authorized as an online payment aggregator. Zoho Payments prioritizes data privacy by avoiding third-party tracking software and storing all data in their own data centers, ensuring that customer information remains secure and is never monetized for advertising purposes.

The platform offers businesses detailed visibility into their payment operations through customizable reports on transactions, refunds, payment failures, and account summaries. For businesses dealing with payment disputes, Zoho Payments provides tools to track disputes, respond to them, submit evidence, and monitor their status all from within the platform. This combination of payment processing capabilities, security measures, and management tools creates a payment solution designed to address the diverse needs of modern businesses while maintaining a focus on transaction security and user experience.