Zoho shakes up India’s booming UPI market with its new Zoho UPI app, Zoho Pay. The Chennai-based SaaS powerhouse dives into consumer fintech, challenging giants like Google Pay, PhonePe, and Paytm. Currently in closed testing, this app bundles seamless payments with Zoho’s chat platform Arattai. It promises effortless money transfers inside chats, targeting both everyday users and businesses. With India’s UPI transactions exploding, Zoho Pay arrives at a perfect time to capture a slice of the action. So, expect a phased rollout soon—Zoho eyes mass adoption by blending communication and cash flow.
Zoho UPI App Features: Seamless Integration And Smart Tools
Zoho Pay stands out as a versatile Zoho UPI app that goes beyond basic transfers. Users handle peer-to-peer payments, merchant deals, and recurring bills with ease. The magic happens through deep ties to Arattai, turning chats into transaction hubs—no app-switching needed.
Also Read: How to Make UPI Payments Using Your Fingerprint or Face ID
- Payment Options: Supports UPI, debit/credit cards, RuPay, net banking, and direct bank transfers.
- In-Chat Transactions: Send or receive money right in Arattai conversations for quick, natural exchanges.
- Recurring Payments: Ideal for subscriptions; collect ongoing fees via UPI links or invoices.
- Business Boost: Integrates with Zoho’s SaaS suite for unified billing, payment pages, and client portals.
- Merchant Tools: Generate QR codes, share links, or embed payments on websites via simple APIs.
Moreover, this UPI app design makes it a potential “super app” contender, blending messaging and money moves to hook users fast.
Fees, Security, And Launch Hurdles
Zoho Pay keeps costs transparent and security ironclad, building trust in a crowded field. Fees stay competitive to lure switchers from rivals.
- Transaction Fees: 0.5% for UPI; 2% for cards, net banking, RuPay; 1% or Rs 10 (whichever lower) for bank transfers.
- Security Standards: PCI DSS Level 1 and ISO 27001:2022 certified; uses TLS 1.2/1.3 encryption, AES-256 protection, real-time monitoring, and fraud detection.
The app rolls out gradually across India in coming months, starting as a standalone download and Arattai embed. Zoho leverages its payment-aggregator license from Zoho Business to scale quickly. Yet, challenges loom: sky-high user acquisition costs, fierce incentives from leaders, and strict regulations test newcomers. Building loyalty against Paytm’s dominance won’t come easy. Still, Zoho’s homegrown vibe and ecosystem edge position the Zoho UPI app for real traction. Watch this space—digital wallets just got more exciting!
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