How Customers Pay
Zoho Payments supports a wide range of payment methods to simplify the payment experience. Customers have the flexibility to pay using the enabled payment methods and can easily switch to an alternative in case of any downtime or issues.
If you’re using Zoho Payments as a standalone solution, your customers can pay you using:
- Payment Links: Customers can use the shared link to complete the transaction.
- Embedded Widget: Customers can make the payment from the widget embedded on your website.
If Zoho Payments is enabled in Zoho Finance apps (Zoho Invoice, Zoho Checkout, Zoho Commerce, Zoho Billing, Zoho Books, or Zoho Inventory), your customers can proceed to pay via:
- Invoices (one‑time, recurring, or subscription), shared in emails, links, or the customer portal.
- Payment links sent directly to them.
- Payment pages accessed via your site, QR code, or link.
- Hosted payment pages where they sign up for your subscription plans.
- Online store checkout using Zoho Payments as the gateway.
From there, they can select any of the enabled payment methods, enter their details, and complete the payment. You can refer to the section below to know how each method works in detail.
| Related Help Documentation | ||||
|---|---|---|---|---|
| Zoho Books | Zoho Invoice | Zoho Billing | Zoho Checkout | Zoho Inventory |
How Each Payment Method Works
While making the payment, your customers can choose from the available payment methods to complete the transaction. Here’s how each payment method works:
Insight: If the customer has saved their payment information, you can charge their invoices manually or automatically using their saved cards or bank accounts.
Cards
Customers can complete transactions using their credit, debit, or prepaid cards. To make a card payment, your customer will have to:
- Select the Credit/Debit Card option.
- Enter their Card Number, Expiry Date, CVV, Cardholder Name, and Billing Information.
- Click Pay to complete the payment.
Note: If 3D Secure is enabled, customers will need to authenticate the payment via OTP, biometric verification, or a password provided by their issuing bank.
After successful authorization, the funds are transferred directly to your merchant bank account.
ACH Direct Debit
ACH Direct Debit allows customers to make payments directly from their bank accounts via the Automated Clearing House (ACH) network. This payment method is ideal for businesses collecting large and recurring payments.
ACH Direct Debit payments can only be made through verified bank accounts. Customers can securely link their bank accounts during checkout for instant verification via Stripe Financial Connections. Alternatively, if you’re adding a customer’s bank account through any Zoho Finance app, you can verify it using micro-deposits.
Prerequisites: Ensure the Pay via Bank option is enabled in the customer’s profile to collect payments from their bank accounts.
To make a payment via ACH Direct Debit, your customer will need to:
- Select Bank Account as the payment option.
- Click Make Payment to proceed.
Insight: If the customer’s bank details are already saved, they can select their saved bank account and complete the payment.
- Enter the Account Holder Name and Email, then click Pay.
- Select and link your bank account via Stripe Financial Connection to complete the payment.
After successful authorization, the funds will be securely transferred directly to your merchant bank account. ACH Direct Debit payments typically take 1–4 business days to process.
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