Zoho, a Chennai-based tech company, is set to launch its payments app, similar to Google Pay, PhonePe, and Paytm. The app is called Zoho Pay. More than just the regular payments, the company is also planning to launch tech to take care of billing, payroll, lending and insurance. So, when will the company launch Zoho Pay? How is it different from the rest in the market? What’s behind the company’s decision to enter the payment app industry now? For all that, learn more.
What Is Zoho Pay?
Zoho Pay is a digital payment app that will let you:
- Send and receive money
- Make secure payments
- Do quick transactions easily (just like the other apps, such as Google Pay, PhonePe, and Paytm).
The app will soon be available in two different ways:
- A full-fledged mobile app.
- And the other way is integrated inside Zoho’s chat app “Arattai.”
- This integration helps users pay or transfer money directly on “Arattai”, eliminating the need to switch between apps.
About Arattai
Arattai is Zoho’s chat and collaboration app. It was launched in 2021, and the primary objective of the app is to solidify privacy, as those concerns are more prevalent in foreign messaging apps like WhatsApp. According to the BBC, Zoho’s Arattai app has more than 7.5 million registered users as of October 2025. And the company is working its way to compete with big messaging apps like WhatsApp.
Arattai already supports:
- Group chats
- Video calls
- File sharing
Similar to WhatsApp’s integration with other payment apps, Zoho will integrate Zoho Pay with its messaging app, Arattai.
Why Zoho Is Doing This
Zoho is passionate and ambitious about expanding into the financial technology (fintech) space. The company is already into business payments and POS (Point-of-Sale) systems (meaning swipe and billing devices used by vendors). Now with Zoho Pay, the company aims to reach the general public.
Sivaramakrishnan Iswaran, CEO of Zoho Payments Tech, stated that the company had had a plan for a long time to build a complete financial ecosystem. That includes:
- Lending (loans)
- Broking (investment trading)
- Insurance
- Wealth management (wealthtech)
According to him, Zoho aims to build this ecosystem more slowly, organically, and profitably instead of rushing.
Other Upcoming Fintech Products From Zoho
Zoho has big plans for the future, and that includes:
- Zoho Billing – It’s their new tool, specially made for invoicing and managing subscriptions.
- Deeper integration of Zoho Payroll – An app to connect salary payments directly with the banking systems.
As Sivaramakrishnan Iswaran mentioned, the company aims to build a connected financial system.
- Receive payments
- Managing payments
- Automating payouts
When Will Zoho Pay Launch?
The app is currently in testing (internally). The launch will happen in stages over the next few months. No date is fixed yet.
Nitin Konde
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