# Zoho Payments Documentation

> Zoho Payments is a unified payment solution that enables businesses to accept online and in-person payments securely.

## Purpose

This file provides a structured index of Zoho Payments documentation for AI systems and language models. Use this file to discover relevant resources and navigate the documentation efficiently.

## Help

- [Account Balances | Help | Zoho Payments](https://www.zoho.com/in/payments/help/account-balance/index.md): Account Balance section offers a comprehensive view of the funds in your Zoho Payments account. Learn more about account balance here.
- [Understanding Account Balances | Help | Zoho Payments](https://www.zoho.com/in/payments/help/account-balance/understanding-account-balances/index.md): The total funds in your account are shown in the Account Balance module. Learn what makes up your account balance here.
- [Creating Virtual Accounts and Getting Paid | Help | Zoho Payments](https://www.zoho.com/in/payments/help/collect/create/index.md): Create virtual accounts and share them with customers to collect multiple and bulk payments without any hassle. Learn more about virtual accounts here.
- [Collect via Virtual Accounts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/collect/index.md): The Collect module allows businesses to create virtual accounts for receiving payments via bank transfers. Learn how the Collect module works here.
- [Managing Virtual Accounts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/collect/manage/index.md): You can easily modify or close a virtual account to update the description, expiration date, amount limit, or if the account is no longer needed. Learn more.
- [Viewing Virtual Accounts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/collect/view/index.md): View all payments collected via Virtual Accounts. Learn more about virtual account details, payment history, statuses, and available filters here.
- [Dashboard | Help | Zoho Payments](https://www.zoho.com/in/payments/help/dashboard/index.md): The dashboard gives you an overview of all the payments and payouts being processed by Zoho Payments. Learn more about the different sections in the Dashboard here.
- [Preventing Disputes - Best Practices | Help | Zoho Payments](https://www.zoho.com/in/payments/help/disputes/best-practices/index.md): Discover and implement effective strategies to proactively prevent payment disputes within Zoho Payments.
- [Challenging Disputes | Help | Zoho Payments](https://www.zoho.com/in/payments/help/disputes/challenge/index.md): Learn how to respond, accept, or challenge disputes conveniently from within Zoho Payments.
- [Disputes | Help | Zoho Payments](https://www.zoho.com/in/payments/help/disputes/index.md): Disputes are customer claims for payment reversals. Zoho Payments offers options to challenge or accept disputes.
- [Understanding Disputes | Help | Zoho Payments](https://www.zoho.com/in/payments/help/disputes/process/index.md): Learn about the process of resolving disputes between customers and vendors. Understand how issues are addressed and resolved efficiently.
- [Responding to Disputes | Help | Zoho Payments](https://www.zoho.com/in/payments/help/disputes/respond/index.md): View all the disputes raised in the Disputes module of Zoho Payments. Explore the details, statuses, and use filters to manage disputes effectively.
- [Viewing Disputes | Help | Zoho Payments](https://www.zoho.com/in/payments/help/disputes/view/index.md): View all the disputes raised in the Disputes module of Zoho Payments. Explore the details, statuses, and use filters to manage disputes effectively.
- [Acceptable Documents for Verification | Help | Zoho Payments](https://www.zoho.com/in/payments/help/getting-started/acceptable-documents/index.md): Learn more about the documents required to verify your Zoho Payments account in India.
- [Account Status | Help | Zoho Payments](https://www.zoho.com/in/payments/help/getting-started/account-statuses/index.md): After completing the account verificaion, you can find your account status by going to Zoho Payments. Learn more about the different account statuses here.
- [Navigating Zoho Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/getting-started/navigating/index.md): Learn more about the various modules and how you can access them in Zoho Payments.
- [Setting Up Zoho Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/getting-started/setup/index.md): Creating a Zoho Payments account is easy when you have your basic business details. View the prerequisites & steps to create your account.
- [Account Verification | Help | Zoho Payments](https://www.zoho.com/in/payments/help/getting-started/verification/index.md): After setting up Zoho Payments, your business representative and business details will be verified. Learn more about account verification here.
- [Getting Started | Help | Zoho Payments](https://www.zoho.com/in/payments/help/index.md): Zoho Payments is a payment solution that allows you to accept payments from customers around the globe. Check out our help guide to learn how to set up and access Zoho Payments.
- [Mandates | Help | Zoho Payments](https://www.zoho.com/in/payments/help/mandates/index.md): Zoho Payments allows businesses to automatically collect recurring payments from customers using mandates. Read more about mandates here.
- [Viewing Mandates | Help | Zoho Payments](https://www.zoho.com/in/payments/help/mandates/view/index.md): The mandates module shows all customer mandates and the recurring payments received through them. Learn more.
- [Accessing Zoho Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/overview/access/index.md): Zoho Payments can be accessed from your web browser. Download the latest browsers and view the countries and currencies supported.
- [Introduction | Help | Zoho Payments](https://www.zoho.com/in/payments/help/overview/introduction/index.md): Zoho Payments is a scalable online solution that allows you to collect one-time and recurring payments from customers for your business.
- [How Zoho Payments Works | Help | Zoho Payments](https://www.zoho.com/in/payments/help/overview/works/index.md): Zoho Payments is a payment solution that helps you collect money from your customers online. Learn how this works and the process involved.
- [Generating Links and Getting Paid | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payment-links/generating-links/index.md): Generate payment links and start collecting payments from your customers. Learn how to generate payment links here.
- [Payment Links | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payment-links/index.md): Generate Payment Links and share them with customers to easily collect payments without any hassle. Learn more about payment links here.
- [Manage Payment Links | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payment-links/managing-links/index.md): You can easily modify or cancel payment links to update details, adjust amounts, or if the link is no longer needed. Learn more about managing payment links here.
- [View Payments Received via Payment Links | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payment-links/viewing-links/index.md): View all the payments collected via Payment Links. Learn more about the payment details, statuses, and filters here.
- [How Customers Pay | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payments/customers-pay/index.md): Learn how customers pay using different payment methods.
- [Email Receipts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payments/email/index.md): Send emails to customers with the details of the payment collected.
- [How to Accept Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payments/getting-paid/index.md): Learn how to receive customer payments for invoices and subscriptions using Zoho Payments.
- [Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payments/index.md): Zoho Payments lets you collect payments from customers and lists the collected payments here. Read more to know what you can do here.
- [Refunds | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payments/refunds/index.md): Learn how to issue refunds and manage them in Zoho Payments.
- [View Payments Received | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payments/view/index.md): View all the payments collected in the Payments module of Zoho Payments. Learn more about the payment details, statuses and filters here.
- [Payouts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payouts/index.md): Once you start collecting payments, payouts are deposited by Zoho Payments to the bank account you've provided. Learn more about them here.
- [Payout Preferences | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payouts/payout-preferences/index.md): Payouts are deposited to your bank account based on the schedule you choose. Learn how to configure the schedule and the bank account to deposit the payout.
- [Viewing Payouts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/payouts/view/index.md): All payouts processed from Zoho Payments will be displayed here. Learn how to view the payout details, filter them by status and and much more.
- [Account Balance Summary | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/account-balance/index.md): Account balance summary report provides an overview of the funds available and payouts depostited to your account. Learn more about the report here.
- [All Transactions Report | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/all-transactions/index.md): All transactions report provides an overview of every transaction and refund processed through Zoho Payments, and summaries of account balances and payment failures. Learn more about the report here.
- [Card Network Report | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/card-network/index.md): The card network report offers insights into transactions collected through different card networks. Learn more about this report here.
- [Overview - Reports | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/overview/index.md): Zoho Payments provides an in-depth summary of transaction reports, enabling you to track and analyze your financial activities. Learn more about the report here.
- [Payment Failures | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/payment-failures/index.md): The Payment Failures report offers insights into failed transactions processed through Zoho Payments. Learn more about the report here.
- [Payment Methods - Report | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/payment-methods/index.md): The Payment Methods report provides a breakdown of transactions processed through various payment methods. Learn more about the report here.
- [Refund Summary | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/refund-summary/index.md): Refund Summary report provides insights into the refunds processed through Zoho Payments. Learn more about the report here.
- [Tax Invoices Report | Help | Zoho Payments](https://www.zoho.com/in/payments/help/reports/tax-invoices/index.md): Zoho Payments offers tax invoices report which can be used to file GST returns and claim input tax credits. Learn more about tax invoices here.
- [Account Details | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/account-details/index.md): The basic details of your Zoho Payments account will be listed here. Learn how to update them.
- [Branding | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/branding/index.md): Zoho Payments lets you display your brand name,logo, and theme to your customers while making payments. Learn how to customise the payment experience.
- [Business Policies | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/business-policies/index.md): The Business Policies section in Settings allows you to add your policies, helping customers understand your business practices. Learn more.
- [Business Profile | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/business-profile/index.md): The basic business details of your business will be listed here. Learn how to update them.
- [Developer Space | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/developer-space/index.md): The Developer Space in Settings lets you generate authentication keys to securely connect and interact with Zoho Payments. Learn more.
- [Notification Preferences | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/emails/index.md): Notifications related to transactions are sent to businesses and customers. Learn more about these notifications and how to configure them here.
- [Payment Methods | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/methods/index.md): View the cards and payment methods that Zoho Payments supports and how to enable them for your account.
- [Business Owners | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/owners/index.md): Provide details of anyone who holds significant ownership in your business. Learn how to add and edit owners.
- [Business Representative | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/representative/index.md): The business representative is a member who's authorised to set up and manage your Zoho Payments account. Learn more details here.
- [Users and Roles | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/users-and-roles/index.md): A user is one who can access Zoho Payments, and their actions are based on their assigned role. Learn how to manage users and their roles in Zoho Payments.
- [Webhooks | Help | Zoho Payments](https://www.zoho.com/in/payments/help/settings/webhooks/index.md): Webhooks are crucial for ensuring secure communication with Zoho Payments and your application. Learn how to manage webhooks for uninterrupted real-time communication.
- [Connected Accounts | Help | Zoho Payments](https://www.zoho.com/in/payments/help/split/accounts/index.md): Add, view, and manage connected accounts for your sellers and vendors. Configure payout preferences, filter accounts, and track account details. Learn more.
- [Split Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/split/index.md): Split Payments lets marketplace and platform businesses split incoming payments across multiple sellers, vendors, or service providers. Learn how Split Payments works here.
- [Transfers and Reversals | Help | Zoho Payments](https://www.zoho.com/in/payments/help/split/transfers/index.md): Create transfers to split payments across connected accounts and reverse transfers when needed. Learn how to create, view, and reverse transfers here.
- [Understanding Split Payments | Help | Zoho Payments](https://www.zoho.com/in/payments/help/split/understanding/index.md): Learn the key concepts behind Split Payments, including connected accounts, transfers, payouts, and how the complete payment split flow works.

## FAQ

- [Age Requirement | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/age-requirement/index.md): You must be at least 18 years old to create a Zoho Payments account. Learn what to do if your age is below 18 here.
- [Why you should link your bank account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/bank/index.md): Your bank account details are required to deposit your payouts.
- [Business and Representative Address | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/business-address/index.md): While setting up Zoho Payments, you must provide both business and representative addresses. Learn what type of address must be provided.
- [Business Description | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/business-description/index.md): Your business description should summarize what your business does and offers. Learn why your business description is important.
- [Business Structure | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/business-structure/index.md): A business structure defines the legal framework of ownership, management, and responsibilities, that varies based on your business type and registration. Read on to learn more.
- [Set up Zoho Payments in Zoho Finance Apps | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/configure-zp-in-finance-apps/index.md): Zoho Payments doesn’t require individual setup in each Zoho Finance app. As part of the Zoho Ecosystem, it’s automatically enabled in all other apps you use. Learn more.
- [Creating an Account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/connect-zf-apps/index.md): Learn how to create a new Zoho Payments account.
- [Creating an Account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/create/index.md): Learn how to create a new Zoho Payments account.
- [Delete and create account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/delete-create/index.md): Once you delete your account, you can create new account using the same email address. Learn how here.
- [Delete Account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/delete/index.md): Learn how to delete your Zoho Payments account.
- [Disable Account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/disable/index.md): Learn how to temporarily disable your Zoho Payments account.
- [Documents for Account Verification | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/documents/index.md): The account verification process at Zoho Payments requires you to submit documents to review your details. See what's required here.
- [Edit business type| FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/edit-business-type/index.md): Zoho Payments verifies your account based on the business type and documents provided during setup. Learn how to update your business type if it changes.
- [Account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/index.md)
- [Create new accounts with the same email | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/new-account/index.md): Learn how to create a new Zoho Payments account using the same email address.
- [Penny Drop and Penniless Verification | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/penny-drop-and-penniless-verification/index.md): In order to verify your bank account details, Zoho Payments uses penny drop or penniless verification. Learn how these verification methods work here.
- [Business Policy Template | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/policy-template/index.md): Businesses are required to provide their policies when setting up their Zoho Payments account. If you don’t have one, learn how to generate a policy template.
- [Account Restricted | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/restricted/index.md): Accounts are restricted from collecting further payments & payouts when your verification is incomplete. Here's what to do when your account is restricted.
- [Account Suspended | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/suspended/index.md): Accounts can be suspended when the business does not comply with the Terms of Service. Learn more possible reasons for account suspension and what you can do.
- [Account verification incomplete | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/verification-incomplete/index.md): When your account verification is in progress, you might be allowed to collect payments but payouts will not be enabled. Read on to know what you can do to complete the verification.
- [Account verification pending | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/verification-pending/index.md): Account verification can be pending when further details are required to verify your account. Read to know what you can do to complete verification.
- [Account Verification and Activation | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/verification-time/index.md): Account verification can take up to 2 business days. If you're required to submit more details, this might be delayed.
- [Business website requirements | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/account/website/index.md): Zoho Payments requires your business website create your account. The website should include business details and other policies. Read more about them here.
- [Duration of Dispute Resolution | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/dispute-resolution-duration/index.md): The time taken to resolve a dispute depends on its nature. Read more to learn about dispute resolution.
- [Time Limit to Raise Dispute | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/dispute-time-limit/index.md): Dispute time limit vary by payment method. Learn more about the dispute time limits of different payment methods here.
- [Report a fraudulent merchant | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/fraudulent-merchant/index.md): Contact our support team to report a fraudulent merchant. Learn how to identify a fraudulent merchant here.
- [Disputes | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/index.md)
- [Merchant not responding to payment queries | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/merchant-response/index.md): You can raise a dispute with the help of your bank if the merchant does not respond to your queries.
- [Paid Product or Service not Delivered | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/product-not-received/index.md): The issue will be resolved if you contact the merchant. Learn what to do if the issue stays unresolved.
- [Report an unauthorized transaction | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/disputes/unauthorized-transaction/index.md): You can report an unauthorized transaction to your bank or reach out to our support team for further assistance. Learn more here.
- [Cancel Order | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/general/cancel-order/index.md): Contact your merchant directly for order cancellations. Learn how you can cancel your order or what you can do if they are unresponsive.
- [General | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/general/index.md)
- [Are my payments safe? | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/general/payment-safety/index.md): Zoho Payments takes customer data security very seriously. Read more to know about how Zoho Payments adheres to compliance standards.
- [Can Zoho Payments access or share customer payment details | FAQ](https://www.zoho.com/in/payments/faq/customer/general/share-payment-information/index.md): Your bank and card details are encrypted and are not shared with the merchant. Learn what is shared with the merchant when a payment is made.
- [Tips for a Smooth Payment Experience | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/general/smooth-payment-experience/index.md): Online payments, with the right precautions, can ensure a smooth and secure payment experience. Read on for some helpful safety tips.
- [Make payments to your merchants without an account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/general/zoho-payment-account/index.md): An account in Zoho Payment is not necessary for a customer to make payments to a merchant. Learn what happens after you receive a payment link.
- [What is Zoho Payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/general/zoho-payments/index.md): Zoho Payments is a payment gateway that helps businesses accept payments from their customers. Learn more here.
- [Customer payment failures | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/after-failure/index.md): Payment failures could occur due to issues with your card or bank account.
- [Card declined | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/card-declined/index.md): During online payments, a customer's card might be declined. Read more to know why the card gets declined.
- [Convenience Fee for Customers | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/convenience-fee/index.md): A convenience fee is an extra charge set by the merchant to cover payment processing costs by your merchants.
- [Payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/index.md)
- [Money not credited | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/not-credited/index.md): The amount debited from your account will be credited to the merchant's account in a while.
- [Payment success | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/payment-duration/index.md): Card payments are usually successful in a few seconds. Check this at your bank before reinitiating a payment.
- [Payment Notification | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/payment-notification/index.md): Zoho Payments will notify you when your payment is successful. Learn how you will be notified here.
- [Payment Status | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/payment-status/index.md): Check the status of your Zoho Payments transaction and contact support if needed. Learn how to do this here.
- [Refund Settlement | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/customer/payments/refund-settlement/index.md): Your refund will take 1-2 business days to appear in your bank account. Learn what to do if you face any issues with your refund here.
- [Dispute Notification | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/disputes/dispute-notification/index.md): You will be notified by email and in-app when a dispute is raised. Learn more about the notifications that you will receive here.
- [Dispute Withdrawals | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/disputes/dispute-withdrawal/index.md): Learn what happens when your customer withdraws a dispute and why it is necessary to submit evidence even if the customer has withdrawn the dispute.
- [Disputes | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/disputes/index.md)
- [Data Backup | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/backup/index.md): Learn how to backup your data in Zoho Payments.
- [Browser requirements | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/browser/index.md): Zoho Payments can be accessed on all the latest versions of your web browser. Read more on the system requirements here.
- [Supported Countries and Currencies | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/countries-and-currencies/index.md): Zoho Payments allows you to collect payments from businesses in India. Learn more about the supported currencies here.
- [Data Security | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/data-safety/index.md): Zoho Payments complies with the highest standards to ensure your data is safe. Read more to know how Zoho Payments encrypts data and reduces unauthorized access.
- [Customer Data Security | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/data-security/index.md): Zoho Payments complies with the highest payment standards to secure your customers' data. Read more on the regulatory compliance.
- [General | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/index.md)
- [Accessing from Mobile Devices | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/mobile/index.md): Zoho Payments is accessible on all devices that uses the latest web browser with an active internet connection.
- [Multi-Factor Authentication | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/multi-factor-authentication/index.md): Multi-Factor Authentication (MFA) enhances the security of your Zoho account, ensuring only you can access it. Learn how to set it up here.
- [Notifications | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/notifications/index.md): You can configure your notification preferences to stay updated on payment, refund, dispute, and chargeback details in real time. Learn more about notifications here.
- [Transfers to Personal Accounts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/personal-accounts/index.md): Zoho Payments allows business owners to collect payments online from customers and doesn't allow transfers to personal accounts.
- [Restricted Businesses | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/restricted/index.md): Zoho
- [Sandbox | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/sandbox/index.md): ZZoho Payments provides a Sandbox environment to safely test payment flows, webhooks, and configurations without processing real transactions. Learn more.
- [Setup and Maintenance Fee | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/setup-fee/index.md): There are no setup or maintenace fees for Zoho Payments. Learn more on the charges and fees in Zoho Payments.
- [Terms of Service | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/terms-of-service/index.md): View the Terms of Service of Zoho Payments here.
- [Platform Fee | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/transaction-fee/index.md): Platform fee covers access to our platform and secure payment processing services. Learn more.
- [What does Zoho Payments do? | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/general/zoho-payments/index.md): Zoho Payments is a payments solution that allows businesses to collect online payments from their customers. Read more to know what Zoho Payments can do.
- [Home | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/index.md)
- [Collect Advance Payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/advance-payments/index.md): Zoho Payments lets you collect advance payments through various methods. Learn how you can collect the advance payments here.
- [Convenience Fee | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/convenience-fee/index.md): A convenience fee is an optional charge applied to customers to help cover payment handling costs. Learn more.
- [Customize checkout widget | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/customize-widget/index.md): Learn more about customizing the payment widget in Zoho Payments.
- [Payment Failures | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/decline/index.md): Payments may fail due to incorrect details, security concerns, or technical issues. Learn more about payment failures and how to resolve them here.
- [Editing Payment Descriptors | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/descriptor/index.md): Zoho Payments allows your customers to pay using a variety of cards. Learn how to enable multiple payment methods.
- [Disable Payment Method | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/disable-payment-method/index.md): If you don't want your customers to pay you through specific payment methods, you can disable the payment methods. Learn how to do this here.
- [Email Payment and Refund Receipts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/email-receipt/index.md): Read how to send payment acknowledgement and refund receipt emails to your customers using Zoho Payments.
- [Export Payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/export-payments/index.md): Zoho Payments lets you export all the payments to a CSV file for backup. Learn how to export payments here.
- [Platform Fee vs Convenience Fee | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/fee-difference/index.md): The platform fee is charged by Zoho Payments, while the convenience fee is an optional charge applied by merchants to customers to cover payment handling costs. Learn more.
- [GST Invoice for Convenience Fee | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/gst-invoice/index.md): A GST invoice should be issued by merchants for convenience fees collected from customers. Learn more.
- [Payments and Refunds | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/index.md)
- [Unable to initiate refunds | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/initiate-refunds/index.md): Refunds cannot be initiated due to various reasons. Read on to learn about the possible causes.
- [International Payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/international/index.md): Zoho Payments allows you to receive online payments from customers only from India.
- [Minimum and Per-Transaction Limit | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/minimum-and-per-transaction-limit/index.md): Zoho Payments does not have a transaction limit at the moment. Limits if any, are set by your customer's bank or NPCI. Learn more here.
- [Partial Payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/partial-payments/index.md): Zoho Payments doesn’t support partial payments directly. Learn how you can enable partial payments for your customers through Zoho Finance apps.
- [Partial Refund | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/partial-refund/index.md): Zoho Payments lets you partially refund payments for various reasons. Learn how to partially refund your customers here.
- [Payment Descriptor | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/payment-descriptor/index.md): Payment descriptor helps your customers identify transactions related to your business in their bank statements. Learn how to create them here.
- [Payment ID | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/payment-id/index.md): The gateway transaction ID of a transaction processed through Zoho Payments is referred to as the payment ID. Learn more about payment ID here.
- [Refund Fee | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/refund-fee/index.md): Zoho Payments allows your customers to pay using a variety of cards. Learn how to enable multiple payment methods.
- [How long does it take for refund deposits | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/refund-time/index.md): Refunds can be issued to customers for a variety of reasons. Once nitiated, this will be deposited in a few business days. Learn more.
- [Issuing Refunds | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/refund/index.md): Returns and duplicate payments happen quite commonly in businesses. Learn how to quickly issue refunds and resolve these with your customers.
- [Platform fee return for refunded payments | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/return-refund-fee/index.md): Zoho Payments does not charge for refunds. However, the platform fee collected towards the payment will not be reversed. Learn more here.
- [Payment Summary | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/summary/index.md): View a summary of the payments you've received from your customers.
- [Supported Banks | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/supported-banks/index.md): Zoho Payments supports a wide range of banks to simplify the payment process for your customers. View the complete list of supported banks.
- [Supported Payment Methods | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payments/supported-methods/index.md): Zoho Payments allows your customers to pay using cards, net banking and UPI. Learn how to enable multiple payment methods.
- [Add Bank Account for Payout | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/add-bank/index.md): Payouts or settlements is the amount to be paid by Zoho Payments to your account based on the payments you've received. Learn more.
- [Adding funds to account balance | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/add-funds/index.md): You can’t directly add funds to your Zoho Payments account, but setting up a refund reserve could help you manage refund requests. Learn out how to set it up here.
- [Bank Holidays | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/bank-holidays/index.md): Bank holidays will impact your payouts as banks will not operate. Learn more about bank holidays here.
- [Bank Reference ID | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/bank-reference-id/index.md): Bank reference ID is an alphanumeric code assigned to a payout. Learn what this code is used for and how to find it in Zoho Payments.
- [Payout Descriptor | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/descriptor/index.md): Descriptors help you identify payouts from Zoho Payments in your bank or card statements. Learn more.
- [Payout is different | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/different-payout/index.md): The payout may differ from the collected amount due to fees, reserves, or unsettled transactions. Learn what other reasons could affect your payout here.
- [Payouts Disabled | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/disabled/index.md): Payouts can be disabled when your account verification is incomplete or when your bank details are incorrect. Learn more on what you can do to fix this.
- [Edit Payout Bank Account | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/edit-bank/index.md): Learn how to edit the bank account details in Zoho Payments.
- [Edit Payout Descriptors | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/edit-descriptor/index.md): Learn how to edit the default descriptor for payouts from Zoho Payments.
- [Failed Payouts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/failed/index.md): Payouts from Zoho Payments can fail when the bank account details are incorrect. Learn more about other possible errors and how to fix them.
- [Payouts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/index.md)
- [Instant Payouts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/instant/index.md): Payouts will be deposited only after after T+1 or T+2 business days based on the payment method used. Learn more about instant payouts.
- [Minimum and Maximum Payout Value | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/min-max/index.md): View the minimum and maximum payout limits at Zoho Payments.
- [When will payouts be deposited | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/net-banking-cut-off/index.md): Payments made via Net Banking after the cut-off times will be processed on the next business day. Learn more about cut-off times here.
- [When will payouts be deposited | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/payout-deposit/index.md): Zoho Payments will deposit the payouts to your account on a daily basis. Learn when your payments will be available for payouts here.
- [Payouts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/payouts/index.md): Payouts or settlements is the amount to be paid by Zoho Payments to your account based on the payments you've received. Learn more.
- [Personal bank account for payouts | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/personal-account/index.md): Payouts are directed to your business account due to the frequent payment activities associated with your business. Learn more.
- [Payout Summary | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/summary/index.md): View a summary of the payouts deposited by Zoho Payments.
- [Where is my payout? | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/payouts/track-payout/index.md): Learn how to track the payouts that will be deposited to your bank account from Zoho Payments.
- [Edit Owners | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/users/edit/index.md): Learn how to edit the business owner details in Zoho Payments.
- [Users | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/users/index.md)
- [Business Representatives and Owners | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/users/rep-count/index.md): Zoho
- [Business Representatives and Owners | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/users/rep-owner/index.md): A business representative can also be a business owner. Learn more on how this works in Zoho Payments.
- [Who qualifies as an account owner? | FAQ | Zoho Payments](https://www.zoho.com/in/payments/faq/users/representative/index.md): Account owners are usually the business representatives or senior executives who are authorized to direct the business. Learn why need to add an account owner to Zoho Payments.

## Developer Docs

- [Android Integration | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/android/index.md): Zoho Payments now offers a mobile SDK for Android users to start collecting payments directly from their app by embedding the checkout widget. You can install the SDK to handle payments, verify transactions, and confirm their status. Learn more.
- [Managing Errors | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/errors/index.md): An error occurs when there's an issue with communication between your application and an API. Learn about how to identify and manage errors.
- [Flutter Integration | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/flutter/index.md): Zoho Payments now offers a Flutter SDK for cross-platform mobile apps. Build once for both iOS and Android, and start collecting payments directly from your app by embedding the checkout widget. Learn more.
- [Go-Live Checklist | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/go-live/index.md): The Go-Live checkist outlines the mandatory steps to complete before taking your integration live. Learn more.
- [Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/index.md): Developer documentation provides comprehensive guides on integration, APIs, and webhooks, helping you seamlessly connect and interact with Zoho Payments. Read on to learn more.
- [iOS Integration | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/iOS/index.md): Businesses using iOS can now install Zoho Payments’ mobile SDK to integrate the checkout widget into their app and accept payments directly from their customers. Learn more.
- [Execute Mandates | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mandates/create-execute-mandates/index.md): Execute mandates to collect recurring payments automatically, without needing repeated approval from your customers. Learn more.
- [Mandates | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mandates/index.md): A mandate is a one-time authorisation from a customer that enables businesses to securely collect recurring payments via UPI. Learn more.
- [Connect MCP to Claude | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mcp/claude/index.md): Connect your Zoho Payments MCP Server to Claude to automate payment workflows, manage customers, and track transactions directly from your conversations. Learn more.
- [Configure MCP Server | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mcp/configure-mcp/index.md): Configure the Zoho Payments MCP Server to connect AI agents with your payment workflows. Learn more.
- [Connect MCP to Cursor | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mcp/cursor/index.md): Connect your Zoho Payments MCP Server to Cursor to manage payment operations directly within your IDE. Learn how to set up and configure the integration.
- [MCP Server | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mcp/index.md): MCP Server connects AI agents to your payment workflows in Zoho Payments. Manage payments, refunds, customers, and more through AI. Learn more.
- [Connect MCP to VS Code | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mcp/vs-code/index.md): Connect your Zoho Payments MCP Server to VS Code to manage and test payment workflows directly within your development environment. Learn more.
- [Connect MCP to Windsurf | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mcp/windsurf/index.md): Connect your Zoho Payments MCP Server to Windsurf IDE to manage payment operations directly from your coding environment. Learn how to set up the integration.
- [Mobile Error Codes | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mobile-errors/index.md): Learn how to identify and resolve errors that may occur while integrating Zoho Payments with your mobile app.
- [Mobile Integration | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/mobile-integration/index.md): Zoho Payments' Mobile SDK lets you integrate a checkout widget for both iOS and Android. By embedding the widget into your mobile app, you can effortlessly accept online payments from your customers. Learn more.
- [No-Code and Low-Code Solutions | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/no-code-solutions/index.md): No-code tools allow you to build and manage applications without coding. Learn about the no-code tools offered by Zoho Payments.
- [Rate Limits | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/rate-limits/index.md): Rate limits control the number of requests made to an API within a specified time frame to prevent overload and ensure fair usage. Learn more
- [React Native Integration | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/react-native/index.md): Zoho Payments now offers a React Native SDK for cross-platform mobile apps. Build once for both iOS and Android, and start collecting payments directly from your app by embedding the checkout widget. Learn more.
- [Sandbox | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/sandbox/index.md): The Sandbox in Zoho Payments lets you test payment flows, webhooks, and configurations securely without processing real transactions. Learn more about Zoho Payments sandbox.
- [Setting up the Sandbox | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/sandbox/setup/index.md): Set up Zoho Payments Sandbox for testing payment flows on Widget, iOS, and Android before going live. Learn more about setting up Zoho Payments sandbox.
- [Testing Payment Methods | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/sandbox/testing/index.md): Use these test values for UPI, Cards and Netbanking in the Sandbox to simulate success, failure, and refund scenarios before going live. Learn more about testing payment methods.
- [Security | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/security/index.md): Zoho Payments protects customer data and ensures secure transactions by following regulatory standards and compliance. Learn more.
- [Signature Verification | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/signature-verification/index.md): Signature verification confirms the authenticity of the payment data and ensures it hasn't been tampered with. Learn more.
- [Authentication Failure | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/web-integration/authentication-failure/index.md): Authentication failure occurs when your OAuth credentials are invalid, expired, or linked to a user who no longer has the required access. Learn how to resolve these issues.
- [Authentication | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/web-integration/authentication/index.md): Authentication ensures secure access to Zoho Payments' APIs using OAuth and API keys. Learn more.
- [Web Integration | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/web-integration/index.md): Zoho Payments' checkout widget lets you effortlessly accept online payments from your customers. Learn more.
- [Integrate Hosted Checkout | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/web-integration/integrate-widget/index.md): Set up the checkout widget to easily integrate it into your website or application and receive payments from customers effortlessly. Learn more.
- [OAuth | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/web-integration/org-oauth/index.md): OAuth allows you to generate a token that authenticates API calls at the organization level, providing secure and centralized access. Learn more
- [Best Practices | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/webhooks/best-practices/index.md): Learn the best practices for setting up and managing webhooks to ensure reliable and secure data transfer between system.
- [Configuring Webhooks | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/webhooks/configure/index.md): Create and set up webhook endpoints, test event triggers for any actions, and learn how to configure webhooks.
- [Webhooks | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/webhooks/index.md): Webhooks provide real-time updates and ensure seamless communication between your application for each transaction.
- [Managing Webhooks | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/webhooks/management/index.md): Webhooks are crucial for ensuring secure communication with Zoho Payments and your application. Learn how to manage webhooks for uninterrupted real-time communication
- [Webhook Verification | Developer Docs | Zoho Payments](https://www.zoho.com/in/payments/developerdocs/webhooks/verification/index.md): Webhook verification ensures that incoming requests come from a trusted source by validating them with a signing key. Learn more about webhook verification.