Go-Live Checklist
Before going live with your Zoho Payments integration, walk through each section below. Checklist items persist locally so you can resume progress anytime.
Note: Use the sandbox environment for testing and switch to production only when you’re ready. To enable sandbox access, contact us.
Set Up and Configure Your Account
Before integrating Zoho Payments, ensure your account is created, verified, and properly configured.
- Complete Video KYC: Available Mon–Fri, 9 AM – 9 PM IST only. Requires Aadhaar, PAN, and Aadhaar-registered mobile for OTP and verification via DigiLocker. Learn more about Video KYC.
- Complete bank account verification: Submit an active bank account owned and controlled by the registered business. Status must show Active in the Zoho Payments homepage banner and on the Online Payments page of your Zoho Finance application after penny drop verification. Learn more about bank account verification.
- Complete business details verification: Submit documents based on your business type (e.g., Company: Certificate of Incorporation, Board Resolution, GST Certificate, Sole Proprietorship Udyam Registration etc.,). Check out the required documents.
Note: Only users with the Account Owner, Admin role in Zoho Payments can generate OAuth tokens and API Keys.
Generate API Keys and OAuth Tokens
To start interacting with Zoho Payments, you need to generate secure API credentials. The API key allows embedding the payment widget, while the OAuth token ensures your app has authorized access.
Note: Authorization code is valid for 1 minute only. Access tokens expire in 1 hour.
Configure Connectivity
To communicate with our APIs and webhooks, you must first establish connectivity.
Configure Webhooks
Webhooks notify your system in real time when events like payment or refund successes and failures occur. You can configure event types and your endpoint URL to receive notifications.
Note: Zoho Payments retries failed webhooks for up to 2 days, hourly on the first day and every 2 hours on the second day. If failures continue, the endpoint is disabled and an email notification is sent. You can have up to 5 webhook endpoints per account.
Web Integration
Mobile Integration (iOS & Android)
Integrate Zoho Payments into your mobile app to accept payments securely on iOS and Android devices.
Verify and Confirm Payments
Ensure payments are validated and captured correctly before completing orders.
Configure Notifications
Review API Error Handling
Ensure to verify your integration using the error codes available in our API docs before going live.
Walkthrough of Zoho Payments personalized to your business needs