Zoho Corporation is set to step into the consumer payments arena with Zoho Pay, a secure digital payments app that will enable users to send and receive money, make payments, and perform seamless financial transactions. The app will also be embedded within Arattai, Zoho’s homegrown chat platform, offering in-chat payment capabilities.
According to Sivaramakrishnan Iswaran, CEO of Zoho Payments Tech, the product reflects Zoho’s long-term vision to build a comprehensive and sustainable financial ecosystem.
Smooth, Secure, and Integrated Payments
Zoho Pay is designed to deliver a smooth, secure, and unified payment experience. By integrating with Arattai, users can make real-time payments directly within their conversations—mirroring a feature similar to WhatsApp Pay, but with Zoho’s signature focus on privacy and organic product growth.
The platform will soon be available as a standalone app, with phased rollout expected over the coming months.
Expanding the Fintech Horizon
Beyond payments, Zoho is gearing up to expand into broader financial services. The company plans to venture into lending, broking, insurance, and wealthtech, complementing its existing offerings such as Zoho Books, Zoho Payroll, and the new Zoho Billing solution for invoicing and subscription management.
Iswaran emphasized that Zoho’s fintech strategy is “incremental yet holistic,” focusing on sustainable, profitable growth rather than aggressive expansion.
Arattai: From Messaging to Money
Launched in 2021 as a privacy-first alternative to global chat apps, Arattai has evolved into a versatile communication platform supporting group chats, video calls, and file sharing. With Zoho Pay integration, Arattai users will soon be able to complete transactions without leaving their chat screen—bridging communication and commerce in one secure space.
