Zoho Pay Launch: Zoho Enters India’s UPI Payments Race
By Shantanu Sen Gupta
October 23, 2025
Zoho Pay: Zoho Steps into the UPI Payments Arena
Zoho Corporation, best known for its enterprise software suite, has officially entered the digital payments space with Zoho Pay, a new UPI-based payment app for the Indian market. The move positions Zoho directly against established players such as Google Pay, PhonePe, and Paytm — signaling the company’s growing ambitions beyond SaaS.
🚨 Zoho to launch ‘Zoho Pay’, a new UPI and consumer payments app, marking its entry into India’s fintech space. pic.twitter.com/BiNekdnCAz
— Beats in Brief 🗞️ (@beatsinbrief) October 22, 2025
Made in India, Built for Everyone
Zoho Pay is part of Zoho’s broader “Made in India” vision. The app focuses on data privacy, reliability, and affordability, promising a seamless way to handle peer-to-peer and business payments.
What sets Zoho Pay apart is its planned integration with Arattai, Zoho’s secure messaging platform. This will enable users to send and receive money directly within chat conversations, blending communication with transactions — a feature few existing UPI apps currently offer.
Competing in a Crowded Space
With India’s UPI ecosystem already saturated, Zoho’s strategy lies in leveraging its massive enterprise customer base and product ecosystem. Users already using Zoho Books, Zoho CRM, or Zoho Invoice will likely find easy value in integrating Zoho Pay for payments and business workflows.
The Road Ahead
Currently in closed testing, Zoho Pay will roll out publicly in phases. Future updates are expected to include merchant payments, recurring transactions, and chat-based payment reminders through Arattai.
Zoho’s move reflects a broader trend — where productivity, communication, and financial tools are converging. With a trusted reputation for privacy and Indian innovation, Zoho Pay could become a key player in the country’s fast-evolving fintech landscape.
Quick Takeaway
Zoho Pay isn’t just another UPI app — it’s Zoho’s attempt to redefine how Indian users experience payments inside their everyday communication ecosystem.
