Payment Methods

This section lists all the payment methods supported, the platform fee for each payment method and its status.

At the moment, Zoho Payments supports payment collection via cards, UPI, and net banking. The activation time for each payment method may vary. All payment methods, except UPI payments via RuPay credit cards, will be enabled by Zoho Payments within 10 business days after your account becomes active. You will be notified as soon as each payment method is enabled.

Payments can be collected only within India and in INR.

Note: The platform fee for each payment depends on the payment method. An 18% GST is applicable on the fee, except for card payments up to ₹2,000.

Supported Payment Methods

UPI (Unified Payments Interface)

Your customers will be able to pay you using a UPI app of their choice, by scanning a UPI QR or entering their UPI ID. Payments can be made through their linked bank accounts or RuPay credit cards.

• Platform Fees - Zero (2% for RuPay Credit Cards)
• Payout Availability - T+1 Business Days

Cards

Zoho Payments supports debit, credit, and prepaid card payments from the following card networks:

• Visa
• Mastercard
• RuPay

Payments can be received only using cards issued in India.

• Platform Fee - 2% per transaction (2.75% for corporate credit cards)
• Payout Availability - T+2 Business days

Net Banking

Allow your customers to make transfers directly from their bank accounts in India.

• Platform Fee - 2% per transaction
• Payout Availability - T+2 Business days

Manage Payment Methods

You can disable the payment methods at any time based on your business needs or to simply use the one method that works best for your business.

To disable a payment method:

1. Go to Settings and then Payment Methods.
2. Click Configure near the payment method.

3. Click Disable and confirm your action.

The payment method will be disabled. You can re-enable them anytime.