Zoho Launches Zoho Pay: Seamless Payments Inside Chats

Zoho Pay, the latest offering from Zoho Corporation, is creating quite a buzz in India’s fintech space. Announced in October 2025, Zoho Pay marks the company’s entry into consumer payments – blending money transfers and chats seamlessly within its popular Arattai messaging platform. The app is available both as a standalone service and as an integrated feature in Arattai, making digital payments more conversational than ever.

What Makes Zoho Pay Different?

Zoho Pay biggest highlight is how it merges communication and commerce into one experience. Users can send money, pay bills, or request payments without leaving their chat screen. This chat-first approach mirrors global apps like WeChat Pay, bringing that seamless convenience to Indian users under Zoho’s privacy-first ecosystem.

“Zoho Pay is not just another payment app – it’s a secure bridge between conversation and transaction,” said Sivaramakrishnan Iswaran, Zoho’s head of finance. He emphasized that the product is designed for simplicity and safety, backed by Zoho’s in-house technology stack with zero third-party data sharing.

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Zoho’s Bold New Step Into Fintech

Zoho Corporation, known for powering over 100 million global users with its cloud products, is steadily expanding its fintech footprint. After launching Zoho Payments for businesses in 2024, the company is now targeting individual users with Zoho Pay – an everyday digital payment tool integrated seamlessly into Arattai.

The move positions Zoho as a potential challenger to industry heavyweights like Google Pay, PhonePe, and Paytm. However, Zoho’s differentiator lies in its privacy-first, ad-free philosophy – a sharp contrast to most competitors that rely on data-driven monetization models.

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Can Zoho Pay Disrupt the Market?

India’s digital payments market is projected to surpass $800 billion by 2026, driven by UPI’s exponential growth. Zoho’s entry into this crowded space is timely but strategic – targeting its existing user ecosystem of Zoho Workplace and Arattai.

Analysts say the integration of payments with daily communication could unlock huge engagement potential, especially among small businesses, freelancers, and families who use Arattai for messaging. By keeping transactions within trusted circles, Zoho aims to build a community-driven payment experience that’s personal and private.

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The launch has sparked excitement and curiosity online.
One user wrote, “Finally, an Indian chat app offering secure payments. Zoho always delivers!”

Another commented, “Zoho Pay could really change how we handle daily transactions if it stays true to its privacy promise.”

A third user added, “Competing with Google Pay and PhonePe won’t be easy, but Zoho’s brand trust might make a difference.”

Why Zoho Pay Could Win

Zoho’s strength lies in its integrated ecosystem, spanning apps for communication, business operations, and now, payments. By offering a chat-based UPI experience, Zoho Pay positions itself as more than a fintech tool – it’s a lifestyle product.

As Startup INDIAX noted, this launch highlights how Indian companies are building global-grade products with local insight. For Zoho, Zoho Pay isn’t just another product launch – it’s a statement of intent to redefine how Indians interact, socialize, and transact digitally.

What’s your take on Zoho’s chat-based payment move? Could Zoho Pay become India’s next favorite wallet? Drop your thoughts below and explore more startup success stories on Startup INDIAX!

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