Online payments have evolved far beyond the simple act of transferring money from one party to another. In today's digitally connected world, every payment transaction carries with it a mix of convenience, trust and risk. India’s digital payment transactions have increased at a CAGR of over 44% in the past 8 years. The reasons behind this humongous growth are contributed to a multitude of factors, the primary one being the increased smartphone and internet penetration in the country and the government’s initiatives promoting digital adoption. Coupled along with this growth, is the rise of payment fraud and heightened expectations around customer privacy.

The margins for error are shrinking now. A single breach of payment data can erode customer’s trust and the business implications are plenty. It is not only about financial penalties, but also hammers reputation, customer loyalty and long term growth. Technology, privacy, and security are no longer checkboxes, they are the very foundation on which resilient payment systems are built.

Zoho Payments has been designed around this core principle. As the native payment platform of Zoho, it combines robust infrastructure, seamless integrations with third-party and other Zoho Finance apps, and a strong commitment to data protection. Zoho Payments ensures businesses move money not just easily, but also with confidence and assurance in today’s risk-laden digital world.

Zoho Payments: The tech, security, and privacy

Why technology matters in payments

Every payment transaction involves the transfer of highly sensitive data across multiple intermediaries.

A weak technological platform is an open invitation for unexpected downtimes and fraudulent activities. Zoho Payments stands out by leveraging robust infrastructure to address the challenges associated with online payments.

Cloud architecture

Resting on Zoho’s cloud infrastructure, Zoho Payments ensures scalability. This allows the platform to handle high volumes of transactions without compromising on speed. Be it daily routine transactions or peak festive sales, Zoho Payments is built to handle it.

Real-time processing

Speed is needed to handle payment transactions; every millisecond matters. Zoho Payments processes transactions in real time and provides instant acknowledgements to both the business and the customer.

Seamless integrations

Zoho Payments integrates readily with the Zoho Finance Suite of applications and also with third-party systems. These integration capabilities allow businesses to streamline operations.

No-code & low-code solutions

Provide a unique payment experience to your customers by easily setting up payment pages, embedding payment buttons, and generating secure payment links using our no-code & low-code solutions.

Secure APIs & webhooks

With REST APIs, you can easily integrate Zoho Payments with your other applications. With webhooks, you can configure real-time notifications as and when certain events occur.

Security standards & certifications

Trust is the axis that supports any payment system and Zoho Payments is designed to meet all necessary global and local security benchmarks. Zoho Payments is licensed by the Reserve Bank of India as a Payment Aggregator and Payment Gateway (PAPG) which enables Zoho Payments to process transactions on behalf of businesses. Additionally, Zoho Payments has been registered as a Bharat Bill Payment Operating Unit (BBPOU) with NBBL which offers various benefits to businesses.

PCI DSS Level 1

This is the highest standard for handling cardholder information. This certification recognizes that the platform is end-to-end capable of handling card transaction data securely.

ISO 27001:2022

Zoho Payments is ISO 27001:2022 certified, following globally recognized practices to manage and protect information security across the organization.

Data transmission and storage

Customer data transmitted through Zoho Payments use Transport Level Security (TLS 1.2/1.3) encryption and sensitive data at rest is encrypted using 256-bit Advanced Encryption Standard (AES).