Zoho Pay UPI App to Launch – Zoho’s Entry Into Digital Payments

Published On: October 24, 2025

Introduction

India’s fintech revolution is about to get more competitive. Zoho Corporation, a leading SaaS giant, has announced its plans to launch a new UPI-based payment app called Zoho Pay. This move signals Zoho’s ambitious step into the growing world of digital transactions. Built with a focus on privacy, reliability, and business integration, Zoho Pay aims to offer both individuals and enterprises a secure and seamless UPI experience.

In this article, we’ll explore the Zoho Pay UPI app launch, its key features, expected release timeline, how it differs from other UPI platforms, and what users can expect from this exciting fintech innovation.

Zoho Pay UPI App to Launch: What It Means

The Zoho Pay UPI app is Zoho’s official entry into India’s booming digital payments sector. It will leverage the Unified Payments Interface (UPI) — managed by NPCI — to enable users to send and receive money instantly.

Key Highlights:

Developed by Zoho Corporation, a trusted Indian tech brand
Licensed under the RBI and NPCI framework
Expected to offer both personal and business UPI accounts
Focused on data privacy and security, unlike global rivals

With Zoho’s reputation in SaaS and cloud-based solutions, Zoho Pay may bring enterprise-grade performance to India’s digital payments.

Why Zoho Is Entering the UPI Market

Zoho’s entry into the UPI space is a strategic decision reflecting the company’s commitment to digital empowerment. With over 100 million UPI users in India, Zoho sees vast potential for innovation.

Reasons Behind the Launch:

Strengthen India’s fintech independence
Offer a privacy-focused alternative to foreign apps
Integrate payments into Zoho’s business tools
Support small and medium enterprises (SMEs)

Zoho Pay could bridge the gap between business finance tools and UPI payments, creating an all-in-one ecosystem.

Zoho Pay UPI App Launch Date and Availability

Although Zoho hasn’t confirmed an official date, sources indicate that the Zoho Pay UPI app will launch in early 2025 after receiving NPCI’s final approval. The beta testing phase is reportedly underway for selected users.

Expected Timeline:

Beta Launch: Q1 2025
Public Release: Mid 2025
Platform Support: Android and iOS

Once launched, Zoho Pay will join the ranks of Google Pay, PhonePe, Paytm, and Amazon Pay in India’s rapidly expanding UPI ecosystem.

Zoho Pay UPI app

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Zoho Pay UPI Features

Zoho Pay is expected to deliver powerful features tailored for both individual and business users.

Key Features of Zoho Pay:

Instant UPI Payments – Fast peer-to-peer and merchant transfers
QR Code Scanning – For quick offline transactions
Bill Payments & Recharge – Pay utility bills, DTH, and mobile recharge
Expense Analytics – Integrated financial tracking
Multi-Account Support – Link multiple bank accounts seamlessly
Zoho Ecosystem Integration – Connect with Zoho Books, CRM, and Payroll

These features will make Zoho Pay a one-stop solution for digital transactions and business automation.

Zoho Pay for Businesses

Unlike traditional UPI apps, Zoho Pay aims to empower businesses with advanced financial tools.

Business-Centric Capabilities:

Auto-generated invoices after payments
Integration with Zoho Books and Zoho Inventory
Multi-user access for teams
UPI Collect Requests for merchants
Simplified GST and tax calculation

This makes Zoho Pay not just another payment app, but a complete business financial platform.

Security and Privacy: Zoho’s Top Priority

Zoho Pay will follow Zoho’s long-standing principle — no ads, no data sharing, and strong encryption.

Security Features:

End-to-end encryption for all UPI transactions
Biometric and PIN-based authentication
Data stored only on Indian servers
No tracking or monetization of user data

By prioritizing privacy, Zoho Pay aims to become India’s most trusted UPI app in 2025.

How to Set Up and Use Zoho Pay

Setting up Zoho Pay will be quick and easy. Here’s how users can get started:

Steps to Set Up:

Download the Zoho Pay app from Play Store or App Store.
Register using your mobile number linked to your bank.
Verify your number and select your preferred bank.
Set up a UPI PIN for secure transactions.
Start sending or receiving money instantly.

Zoho Pay’s interface is expected to be simple, elegant, and user-friendly, perfect for both tech-savvy and new users.

Zoho Pay vs Other UPI Apps

Here’s how Zoho Pay may compare with existing players:

Feature	Zoho Pay	Google Pay	PhonePe	Paytm
Data Privacy	✅ High	❌ Moderate	❌ Moderate	❌ Moderate
Business Integration	✅ Strong (Zoho Tools)	❌ Limited	❌ Limited	✅ Average
Ads-Free Experience	✅ Yes	❌ No	❌ No	❌ No
Analytics Dashboard	✅ Yes	❌ No	✅ Partial	✅ Partial
Indian Ownership	✅ 100% Indian	❌ No	❌ No	✅ Partial

Zoho Pay stands out for its privacy-first, business-friendly, and ad-free model, giving it a competitive edge.

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UPI Growth and Zoho’s Future Vision

UPI payments have grown exponentially, crossing 15 billion transactions monthly in 2025. Zoho’s entry aligns perfectly with India’s Digital India vision and its mission to promote indigenous technology.

Zoho’s Vision:

To make UPI smarter and more secure
To connect payments with productivity apps
To empower small businesses digitally
To contribute to India’s self-reliant fintech ecosystem

If successful, Zoho Pay could redefine how UPI works for individuals and enterprises alike.

FAQs

When will Zoho Pay UPI app launch?

Zoho Pay is expected to launch publicly in mid-2025, following its beta testing phase in early 2025.

Is Zoho Pay free to use?

Yes, Zoho Pay will be completely free for individual users. Businesses may access premium integrations with Zoho’s paid tools.

How is Zoho Pay different from Google Pay and PhonePe?

Unlike others, Zoho Pay offers ad-free payments, better data privacy, and integration with Zoho’s business ecosystem, making it ideal for professionals and enterprises.

Will Zoho Pay support multiple bank accounts?

Yes, users can link multiple banks to their UPI profile and switch easily between accounts during payments.

Is Zoho Pay secure?

Absolutely. Zoho Pay will use end-to-end encryption and store data on Indian servers, following RBI and NPCI guidelines.

Can Zoho Pay be used for international transfers?

Initially, Zoho Pay will focus on domestic UPI payments, but global UPI integration may be introduced in future updates.

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Conclusion

The upcoming Zoho Pay UPI app launch marks a significant milestone in India’s fintech evolution. By combining Zoho’s technological expertise with the UPI framework, it promises to deliver a safe, fast, and private payment experience. With its strong focus on business integration, user privacy, and Indian ownership, Zoho Pay could challenge giants like Google Pay and PhonePe.

As India continues to lead in digital payments, Zoho’s entry reinforces the country’s drive toward self-reliant fintech innovation. Whether you’re a business owner or a casual user, Zoho Pay could soon become your go-to UPI app for smart and secure payments.