Zoho Pay: The Next Big Player in India’s Digital Payment Revolution
Published On: October 27, 2025
By: Scope2News
In a market dominated by giants like Google Pay, PhonePe, and Paytm, a new challenger is preparing to enter the ring — Zoho Pay. Backed by the trusted Indian software giant Zoho Corporation, this upcoming digital payment platform aims to redefine how users transact online. The company, known for its wide range of business productivity tools, is now expanding its footprint into the fast-growing fintech sector.
According to multiple reports from Outlook Business and Moneycontrol, Zoho Pay will initially focus on peer-to-peer (P2P) payments and merchant transactions, directly integrated with Zoho’s chat app Arattai. The long-term goal, however, is much bigger — building an entire fintech ecosystem that includes payments, lending, insurance, and wealth management.
What is Zoho Pay?
Zoho Pay is an upcoming consumer payments application developed by Zoho Corporation, one of India’s most respected tech companies. While Zoho already offers Zoho Payments for businesses and merchants, Zoho Pay is designed specifically for everyday users.
It will allow users to send money, receive payments, pay bills, and even make in-app purchases seamlessly within Zoho’s chat app, Arattai. The integration of payments with messaging is expected to make Zoho Pay stand out, providing a smooth and secure transaction experience similar to how WeChat works in China.
Integration with Arattai – Chat & Pay Together
One of the most interesting aspects of Zoho Pay is its integration with Arattai, Zoho’s privacy-focused chat platform. Users will be able to chat, share media, and send money without ever leaving the app. This makes it India’s potential first major “Chat + Pay” ecosystem built entirely under an Indian company.
According to early leaks, Zoho Pay’s interface is expected to include features like:
- Quick UPI transfers via chat
- Bill splitting options
- In-chat payment requests
- QR-based merchant payments
- Strong end-to-end encryption
By combining social and financial interactions in one place, Zoho aims to create a user-friendly and secure experience that could compete directly with WhatsApp Pay and Paytm.
Why Zoho is Entering the Fintech Space
Zoho Corporation has traditionally focused on software products such as CRM, accounting tools, HR management systems, and more. However, fintech represents the next logical step in the company’s evolution. India’s UPI (Unified Payments Interface) has exploded in popularity, and Zoho sees a huge opportunity to enter this digital payments market.
Founder and CEO Sridhar Vembu has often emphasized building products made in India, for India. Zoho Pay is a continuation of that vision — an effort to reduce dependency on foreign apps and provide users with a secure, private, and self-reliant payment ecosystem.
Features We Expect from Zoho Pay
While the official feature list has not been released yet, here’s what experts predict Zoho Pay will include:
| Feature | Description |
|---|---|
| UPI Payments | Send and receive money instantly using India’s UPI infrastructure. |
| Chat Integration | Make payments while chatting inside the Arattai app. |
| QR Payments | Scan merchant QR codes for instant transactions. |
| Multi-language Support | App expected to support multiple Indian languages. |
| End-to-End Encryption | Secure payments with privacy as a top priority. |
| Merchant Dashboard | For small businesses to track and manage transactions. |
Zoho’s Fintech Ambitions
Zoho isn’t just stopping at payments. The company aims to create a comprehensive fintech ecosystem covering multiple verticals such as:
- Personal and Business Loans
- Insurance Distribution
- Investment and Wealth Tech
- Expense Management
- Digital Wallets
If successfully implemented, this could make Zoho one of India’s first fully integrated fintech companies — offering services comparable to traditional banks, all through a digital-first approach.
Challenges Zoho May Face
The Indian digital payments industry is already crowded with major players like Google Pay, PhonePe, Paytm, and Amazon Pay. To stand out, Zoho Pay will need strong marketing, strategic partnerships, and superior user experience.
Moreover, obtaining necessary approvals from the Reserve Bank of India (RBI) and maintaining compliance with strict data privacy laws will be crucial. Any delay in regulatory clearance could push the launch date further.
When Will Zoho Pay Launch?
Zoho has not announced a confirmed launch date yet. However, internal testing and early beta versions are reportedly underway. Sources suggest the public rollout may happen in phases over the coming months, starting with limited users of the Arattai app.
The initial version will likely focus on core payment features before expanding into lending, insurance, and wealth management services.
Conclusion
Zoho Pay could become a game-changer for India’s fintech landscape. With its focus on privacy, security, and Indian innovation, the app has the potential to compete with existing giants and offer users a new level of convenience and trust.
As Zoho continues to expand its ecosystem, Zoho Pay might become the heart of an all-in-one digital finance platform — built in India, for India.
Summary Table: Zoho Pay Overview
| Aspect | Details |
|---|---|
| App Name | Zoho Pay |
| Developer | Zoho Corporation Pvt. Ltd. |
| App Type | Consumer Digital Payments |
| Integration | Arattai Chat App |
| Features | UPI, QR Payments, In-chat Transfers, Bill Splitting |
| Launch Status | In Testing / Beta Phase |
| Expected Rollout | Phased rollout in upcoming months |
| Long-Term Vision | Full fintech suite: lending, insurance, wealth-tech |
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