## Documentation Index Access the complete documentation index at: https://www.zoho.com/in/books/help/llms.txt Use this file to discover all available documentation pages before proceeding. # Connected Banking with SBI Zoho Books has partnered with State Bank of India (SBI), India’s largest bank. This integration connects your Zoho Books organisation and your SBI current account, allowing you to streamline your finances. From initiating vendor payments and reconciling transactions to viewing real-time account balances, this integration enhances your overall banking experience. Watch this video to learn how the integration works. This help document provides step-by-step instructions on how to set up and use this integration. **Note:** This integration is available only for users in the India edition of Zoho Books created under the **zoho.in** domain. **Prerequisites:** * A corporate current account with SBI. * Multi-Factor Authentication (MFA), other than Passkey, must be enabled for your Zoho account. Learn [how to enable MFA](https://www.zoho.com/in/books/kb/general/enable-tfa.html). * * * ## Set Up the Integration ### Initiate the Integration **Note:** The user initiating the integration must be the admin in SBI’s internet banking portal. To initiate the integration between your Zoho Books organisation and your SBI current account: * Go to _Settings_ and navigate to _Online Payments_. * Click _Vendor Payments_ and you will find _SBI_ listed under it. * Click **Set Up Now** to initiate the integration. ![Setup SBI integration](/in/books/help/images/online-payments/sbi/setup.png) * Read and agree to the [Terms and Conditions](https://www.zoho.com/lp/books/sbi-bank-integration/terms/) of the integration. * Click **Initiate Integration.** A unique ID will be generated, and the integration will be initiated from Zoho Books. Copy the _Unique ID_ generated in Zoho Books, and proceed to configure the integration at SBI banking portal. ![Copy Unique ID](/in/books/help/images/online-payments/sbi/unique-id.png) ### Configure the Integration Once you’ve initiated the integration in Zoho Books, you can configure it in SBI’s internet banking portal. To log in to your banking portal: * Log in to the [Yono SBI portal.](https://yonobusiness.sbi/login/yonobusinesslogin) * Enter the **User ID, Password**, and **Captcha** and click **Login.** * Verify your login by submitting the _OTP_ received on the registered mobile number. You will now be logged in. Once you’ve logged in, follow the steps below to continue configuring the integration. #### 1\. Submit Application Create an application in the Yono SBI portal to configure the integration. To do this:   * Go to the _API Banking_ module in the left sidebar. * Navigate to the _New Application_ tab to add Zoho Books as the ERP. This will have four sections. ##### (i) Onboarding Details Provide your ERP Provider’s (Zoho Books) details in this section. * Enter the following details: **Field** **Description** Aggregator Type Select **Aggregator ERP**. ERP Provider Select **Zoho Corporation Pvt Limited** from the dropdown. ERP Provider Unique ID Enter the _Unique ID_ generated in Zoho Books and click **Validate**. Corporate Email ID Enter the admin user’s corporate email address. Corporate ID or CIF Number Will be autofilled from the portal. * Click **Proceed**. ![Onboarding Details](/in/books/help/images/online-payments/sbi/onboarding-details.png) Your details will be saved, and you will be taken to the _API Details_ tab. ##### (ii) API Details In this section, select the API details required to access the SBI services: * Choose **Payments** from the _API Group_ dropdown. * Select the _Authorization Mode._ This could be: * **STP (Straight Through Processing)**: The payment will be initiated directly from Zoho Books. * **Non-STP**: The payment will be initiated from Zoho Books but will have to be authorised again at the SBI portal. * Select all the APIs in the _Individual API_ section. * Click **Proceed**. ![API Details](/in/books/help/images/online-payments/sbi/api-details.png) Your details will be saved, and you will be moved to the next tab. ##### (iii) Transaction Details In this section, review the transaction limits and add other users (if you have multiple users in your account). * Click **Add User** to add the additional users who can initate payments from Zoho Books. * Enter their **Name** and **Phone Number**. * Click **Add User**. You can add additional users, if required. * Click **Proceed**. ![Transaction Details](/in/books/help/images/online-payments/sbi/transaction-details.png) Your details will be saved, and you will be moved to the next tab. ##### (iv) Preview and Submit In this section, preview your details, and submit them to the bank. To do this: * Review all the details you’ve entered. * Agree to the _Terms and Conditions_. * Click **Submit.** * Enter the OTP sent to the registered mobile number. * Click **Verify OTP.** An **Onboarding Reference Number** will be generated. * View the status of the application under _API Banking > View Status_ tab. If you’re an _individual user_ in the SBI portal, your application will be processed immediately and you can proceed to sync your account details. If you have _multiple users_ in the SBI portal: * Email the Omnibus Document to your relationship manager. ![Omnibus](/in/books/help/images/online-payments/sbi/omnibus.png) * [Add users](/in/books/help/online-payments/sbi.html#Add-Users) and [provide them approval access.](/in/books/help/online-payments/sbi.html#Approval-Access) **Insight:** You can also **Download or print the Omnibus Document** and share it with your bank offline. #### 2\. Sync Account Details After your onboarding has been completed at the bank, you can sync your account details with Zoho (ERP). To do this: * Go to the _Account Details Sync with Aggregator_ tab in the _API Banking_ section. * Verify the details and click **Sync Data with Aggregator.** ![Sync Data](/in/books/help/images/online-payments/sbi/sync-data.png) * Once the details have been synced, click **Proceed**. **Insight:** You can view the status of the sync on the same page in the _Data Sync Status_ section. You can then generate a token to access the integration in Zoho Books. #### 3\. Generate Integration Token Generate a token to establish the integration with Zoho Books. To do this: * Go to the _Token Management_ window. * Select **Yes** from the _Token Active_ dropdown. * Select the **Expiry Period** for the token. **Insight:** When the integration token has expired, you can generate a new token on the same page to continue initiating payments and configuring feeds * A token will be generated. Click **OK**. * Sync the token with Zoho Books by clicking **Sync Token with Aggregator.** ![Sync Token](/in/books/help/images/online-payments/sbi/sync-token.png) The token will be synced with Zoho Books. You can log in back to your Zoho Books account. ### Complete Integration Setup Once you’ve configured the integration at the bank’s portal, log in to Zoho Books to complete the set up. * Log in to Zoho Books. * Go to _Settings_ and then _Vendor Payments_. * Navigate to _SBI_ and click **Complete Setup.** ![OTP](/in/books/help/images/online-payments/sbi/otp.png) * Enter the mobile number registered with the bank. * Verify the number by entering the OTP. * Click **Submit**. Upon verification, your integration will be marked as active, and you will be able to initiate payments. * * * ### Configure Authorisation Limits in SBI **Note:** Only the SBI portal’s admin will be able to add approvers and set limits. Approval is applicable only in case of Non-STP payments. Once you’ve added the users to Zoho Books and authorisers to the SBI portal, you can set authorisation limits and provide SBI access rights. To set authorisation limits: * Log in to the [Yono SBI portal.](https://yonobusiness.sbi/login/yonobusinesslogin) * Navigate to the _Manage Accounts_ section in the left sidebar and go to _Authorization Limit (Rules)_. * Select the **Account Number**. * Enter the **Transaction Limit**, **Authorization Type** and click **GO**. ![Enter Transaction Limit](/in/books/help/images/online-payments/sbi/limit.png) * Select the user and click **Submit** to set the limits. ![Select User](/in/books/help/images/online-payments/sbi/select-user.png) * Go to the _Download C7-A_ _Form_ tab. ![Download C7-A Form](/in/books/help/images/online-payments/sbi/c7.png) * Select the **Rule ID** and click **Download**. ![Rule ID](/in/books/help/images/online-payments/sbi/rule-id.png) Share the downloaded form with your bank. The changes will take effect after the bank reviews and approves the details. Once approved by the bank, you can allow the users to approve the initiated transactions. To add approvers: * Navigate to the _Manage Accounts_ section in the left sidebar and go to _Access Rights_. ![Access Rights](/in/books/help/images/online-payments/sbi/access-rights.png) * Select a user to provide access rights and click **Go**. ![Provide access rights](/in/books/help/images/online-payments/sbi/provide-access-rights.png) * Select **Authorizer** in the _Access Rights_ dropdown. * Click **Confirm** to add the user as an approver. The users can then authorise the transactions initiated in Zoho Books. * * * ## Configure Bank Feeds Once you’ve integrated, you can add your bank account to fetch bank feeds into Zoho Books. To configure the account: * Go to _Settings_ and then _Vendor Payments._ * Navigate to SBI and click **Configure Bank Feeds.** ![Configure Bank Feeds](/in/books/help/images/online-payments/sbi/feeds.png) * Select the SBI account from the list and select the date from which you want to import the bank feeds. * Click **Add** to add the bank account and exit. Your bank feeds will be fetched from SBI and you can view them in the [Banking module.](https://www.zoho.com/in/books/help/banking/) * * * ## Make Payments to Vendors ### Update Bank Account Details Once you have completed setting up your integration, you must add the vendors as beneficiaries in your bank account and also include their details in your Zoho Books account. #### Add Beneficiaries in SBI To add beneficiaries to the bank portal: * Log in to the _SBI Portal._ * Go to the _Manage Beneficiaries_ section from the left sidebar. * Click **SBI Beneficiary** or Other **Bank Beneficiary** depending on the vendor’s bank account details. * Enter the required details and click **Submit** or **Confirm**. The beneficiary will be added to SBI. #### Add Bank Account Details in Zoho Books Once you’ve added the bank details to the portal, you will have to add them to Zoho Books as well. To do so: * Go to _Purchases and then Vendors_ and select the particular vendor. * Click the **More** dropdown and select **Add Bank Account**. ![Add Bank Account](/in/books/help/images/online-payments/sbi/add-bank.png) * Enter the vendor’s bank account details in the pop-up that appears and click **Save**. Once added, you can initiate payments to the vendor. ### Initiate Payments from Zoho Books #### Individual Bill Payments Once you’ve added your vendor’s bank account details, you can initiate payments from Zoho Books. To initiate payment: * Go to the _Bills_ module under _Purchases_ on the left sidebar. * Select the bill for which you need to make the payment. * Click the **Pay via SBI** button in the options on the top bar. * Enter the payment details in the pop-up that appears. **Fields** **Description** **Balance Due** The total sum of the money due for payment for a particular bill. **Amount** Enter the amount you would like to pay. You can make a complete or a partial payment towards the bill. **From Account** Select the SBI Account in the From Account. **To Account** Select the account to which you would like to make the payment. **Transaction Type** Select the transaction type from the available fund transfer options. This can be IMPS, NEFT, RTGS, or Fund Transfer (Same Bank). * Click **Proceed** to initiate the payment. ![Initiate the payment](/in/books/help/images/online-payments/sbi/pay.png) * Authorise the transaction by entering the **OTP** in the following pop-up. * Click **Submit**. The payment will be processed from Zoho Books. #### Bulk Bill Payments You can also initiate payments towards multiple bills created for the same vendor. To do this: * Go to the _Payments Made_ module and click + **New**. * Select a vendor and all their associated bills will be listed. * Choose **Initiate** **Payment via SBI** and enter the other details. ![Initiate bulk payment](/in/books/help/images/online-payments/sbi/bulk.png) * Click **Initiate Payment**. * Authorise the transaction by entering the **OTP** in the following pop-up. * Click **Submit**. The payment will be processed from Zoho Books. ### Approve Payments in SBI If you’ve selected Non-STP as your authorisation mode while configuring the integration, you will have to approve the payment at the portal. Learn how to [provide approval access](/in/books/help/online-payments/sbi.html#Approval-Access) for your portal users. To approve: * Log in to the [Yono SBI portal.](https://yonobusiness.sbi/login/yonobusinesslogin) * Navigate to _Payments_ in the left sidebar and go to the _Initiate/Authorize_ tab. * Review the payment details and click **Approve**. ![Approve Payment](/in/books/help/images/online-payments/sbi/approve-payment.png) * Enter the **OTP** sent to your registered number to authorise the transaction. * Click **Confirm**. The payment will be approved. You can check the status of the payment in the reports section. ### Resolving Payment Failures If you are facing issues while initiating a vendor payment through SBI, please check the following: * Ensure that the [vendor’s bank details are added in the SBI portal](https://www.zoho.com/in/books/help/online-payments/sbi.html#Add-Beneficiaries). If the beneficiary was recently added, try initiating the payment after SBI approves the details. * The beneficiary name added in the _Add Bank Details_ section in the _Vendors_ module in Zoho Books should not contain any special characters. * The payment description should not contain any special characters, except for **’.’** and **’,’**. If the payment description is not provided, the vendor payment number will be used by default. Ensure that your vendor payment number does not have any special characters. If it does, [edit your vendor payment number series](https://www.zoho.com/in/books/help/settings/preferences.html#number-series). * You can initiate only three payments in a ten-minute window. If you reach this limit, you will need to wait before initiating payments. This restriction is set by the bank to ensure secure transaction processing. If you still face any issues while initiating payments, reach out to [bankintegrations@zohofinance.com](mailto:bankintegrations@zohofinance.com) for further assistance. * * * ## Delete the Integration **Note:** The integration can be deleted only by the admin who set up the integration. If you’re the admin and you don’t want your Zoho Books organisation to be connected with SBI, you can delete the integration. To delete: * Go to _Settings_ and then _Vendor Payments._ * Under SBI, click the **More** icon and select **Delete**. ![Delete SBI integration](/in/books/help/images/online-payments/sbi/delete.png) * Read the terms and agree to delete the integration. * Click **Delete Integration**. The integration will be deleted for all the users. **Insight:** If you are not the admin and you are a user in Zoho Books, you will only be able to disable the the integration for you. Other users will still be able to access the integration. **Note:** If you have any queries regarding connected banking with SBI, write to us at [bankintegrations@zohofinance.com](mailto:bankintegrations@zohofinance.com).