## Zoho Payments Documentation Index

Access the complete documentation index at:
https://www.zoho.com/in/payments/llms.txt

Use this file to discover all available documentation pages before proceeding.

# AI Tools

The AI Tools section helps you build Zoho Payments integrations using AI coding assistants. Whether you want to generate integration code or take actions on your account through natural-language prompts, this section has what you need.

*   [Agent Skills](#agent-skills)
*   [MCP Server](#mcp-server)

* * *

## Agent Skills

Agent Skills are installable instruction files for your AI coding assistant. When you ask an integration question, the assistant reads the relevant skill file and generates code with the correct Zoho Payments field names, request structure, and verification steps.

Use [Agent Skills](/in/payments/developerdocs/agent-skills/ "Agent Skills") if you want your assistant to help you write integration code directly in your editor, without switching to another tool.

## MCP Server

The Zoho Payments MCP Server lets AI assistants that support the Model Context Protocol interact with your Zoho Payments account using live API calls. Your assistant can create payment sessions, fetch transaction details, issue refunds, and more, all from a natural-language prompt.

Use the [MCP Server](/in/payments/developerdocs/mcp-server/ "MCP Server") if you want your assistant to take actions on your Zoho Payments account, not just generate code.