Accept bank transfers via NEFT, IMPS, or RTGS
Receive bank transfers from any Indian bank, through the rails your customers already use, without a checkout session or third-party redirect.
Simplify your bank-transfer collections with
Collect by
Collect by
Zoho Payments
Issue dedicated virtual accounts per customer, project, or order. Every bank transfer payment is tagged, reconciled, and traceable to source.
Access Zoho PaymentsA unique account for every customer
Your primary banking stays private. Your books stay current.
A virtual account is a unique bank account number tied to your Zoho Payments account. With Collect by Zoho Payments, you can issue virtual accounts to your customers across multiple projects. Every payment received is mapped to its source, and reconciled automatically.
Where every bank transfer carries its identity
Each transfer arrives tagged to its source, reconciled to its account, and ready for your books.
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Eliminate manual reconciliation through automated payment mapping
Each transfer is captured against its virtual account, pre-tagged to the customer, project, or order.
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Protect primary banking through customer-specific account routing
Customers transact against unique account numbers, keeping your operating bank account private, and secure.
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Trace every collection back to its source customer or project
Open any customer record to see every mapped virtual account, transfer, and reconciled receipt for that relationship.
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Maintain audit-readiness through configurable webhook events
Status changes and payment events stream to your business apps instantly, and audit trails automatically stay current.
Built for traceable bank-transfer collections at scale
From the moment you issue a virtual account to the moment money lands in your books, every step is built to keep the trail intact.
Share account details across messaging channels
Use pre-existing templates to send virtual account details over email or WhatsApp, or copy the account number into any channel your customers already use.
Configure limits, expiry, and references per account
Set minimum and maximum payment amounts, expiration dates, and internal references — so collections stay within the rules your finance team defines.
Issue virtual accounts on demand
Spin up new account numbers from the Collect module in seconds, and attach them to a customer, or a reference before sharing.
Reconcile every transfer to its source
Each payment is captured against the right virtual account behind the scenes, removing the manual matching step that drains finance teams at close.
Stream webhook events to your finance stack
Push virtual account status changes and incoming payment events to your finance, ERP, or accounting system the moment they happen.
Designed for collections across business models
When collections need to be tracked across customers, or projects, virtual accounts give every bank-transfer payment its own paper trail.
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Construction and project-based businesses
Issue a virtual account per project. Every milestone payment lands tagged to the project — no manual reconciliation across sites or sub-contractors.
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B2B sales with high-ticket invoicing
Give every customer a virtual account. Built for teams that already prefer high-value settlement, on the rails they trust.
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Multi-customer or multi-vendor collections
Share one virtual account across a group, or issue one per relationship, keeping pooled collections clear of cross-customer confusion.
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Per-invoice and per-order receivables
Tag each virtual account with an order number, PO reference, or any internal identifier, keeping reconciliation tied to the document that triggered the receivable.
Three steps behind your reconciled collections
It takes just three steps to start receiving your bank transfer payments.
Sign up for free
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Customer pays into virtual account
The customer pays via NEFT, IMPS, or RTGS to your virtual account.
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Captures and reconciles the transfer
Each incoming payment is identified, routed to its virtual account, and tagged to the customer or reference behind it.
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Funds settle to your primary bank
Reconciled payments move to your primary bank on your regular payout schedule, the same cycle as the rest of Zoho Payments.
