## Zoho Payments Documentation Index

Access the complete documentation index at:
https://www.zoho.com/us/payments/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Payment Methods

*   [Supported Payment Methods](#payment-methods)
    *   [Cards](#cards)
    *   [ACH Direct Debit](#ach)
*   [Enable or Disable Payment Methods](#enable)
    *   [Configure Cards](#configure-cards)
    *   [Configure ACH](#configure-ach)

This section lists all the payment methods supported, the processing fee for each payment method and its status. You will be able to enable or disable the required payment methods here.

## Supported Payment Methods

### Cards

Customers can pay you using their debit or credit cards. You can accept payments via major card networks such as:

*   Visa
*   Mastercard
*   UnionPay
*   JCB
*   Discover
*   Diners Club
*   American Express

To collect payments through other card networks supported in your region, enable the **Others** option.

Once enabled, your customers can enter their card details or use their saved cards during checkout to complete the payment. Card payments are typically settled within **T+2 business days** (i.e., 2 business days from the actual transaction date).

### ACH Direct Debit

Customers can pay directly from their bank accounts using Automated Clearing House (ACH). Payments via ACH Direct Debit are processed in batches and are typically settled within **T+4 business days** (i.e., 4 business days from the actual transaction date). However, ACH Direct Debit payments made after 6:00 PM UTC will be settled in **T+5 business days**.

ACH Direct Debit is only available upon request. If you would like to collect payments via ACH Direct Debit, contact [support@zohopay.com](mailto:support@zohopay.com). Once it’s enabled, your customers can make payments either through a bank account connected using [Stripe Financial Connections](https://stripe.com/financial-connections "Stripe") or [Plaid](https://plaid.com/products/auth/ "Plaid") or through their bank account saved in your Zoho Finance app. To save your customer’s bank account, you can request payment information through your Zoho Finance app.

**Note:** ACH Direct Debit is not supported in Zoho Commerce and Zoho Checkout.

* * *

### Enable or Disable Payment Methods

#### Configure Cards

You can enable or disable specific cards networks anytime.

To enable or disable cards:

1.  Go to _Settings_ and select _Payment Methods_.
2.  Click **Configure** next to cards.
3.  Check or uncheck a box to enable or disable a card.
4.  If you would like to collect international payments, check the **Allow international card payments** option.
5.  Click **Save**.

The payment methods will be updated. You can disable card payments by clicking **Disable** next to _Cards_.

[![Payment Methods](/payments/help/settings/paymentmethods-settings.png)](/payments/help/settings/paymentmethods-settings.png)

**Note:** At least one card must be enabled to allow customers to make payments to your business.

#### Configure ACH

Once ACH Direct Debit has been enabled for your account, you can disable it and re-enable it anytime.

To disable or re-enable ACH payments:

1.  Go to _Settings_ and select _Payment Methods_.
    
2.  Click **Disable** or **Enable** next to _ACH Direct Debit_.
    
    [![ACH](/payments/help/settings/disable-ach.png)](/payments/help/settings/disable-ach.png)

The payment method will be updated.