Cashfree Payment Gateway for Zoho

Overview

Seamless Payments for Zoho - Easily start accepting payments for your Zoho Finance products by simply using the Cashfree Payments Plugin.

Key Features

Payment Features for Zoho Finance

Multiple Payment Modes

Go live with 180+ payment modes instantly. Let your customers pay via any UPI, card, EMI, BNPL, Paytm & other wallets, etc. Reach customers across the globe, show items in 27+ foreign currencies. Access customer payments within 15 minutes of fund capture, even on bank holidays with Instant Settlements feature.

Supported Payment Methods:

COD Order Refund

The biggest problem with COD order refunds is the unavailability of payment details. Cashgram makes it easy for customers to receive refunds instantly on their preferred destination.

How it works:

  1. Create Cashgram link
  2. Notify customers via SMS, WhatsApp, or Email
  3. Customer enters their bank account/UPI id/Paytm no/debit card or Amazon wallet id
  4. Customer receives refund amount to the preferred account

Payment Links

Generate instant links with the items on your customers shopping carts and send them personalized communication via email or SMS. Payment Links can be used to sell your products on multiple social media channels.

On-demand Settlements

Withdraw only a specific settlement amount to your bank account in a single click, whenever you need it the most. Get settlements credited to your bank account even on bank holidays and other critical times on-demand.

Zoho Payment Gateway Integration Steps

Step 01: Login to your Zoho account

'Log in' to your Zoho account and click on 'Settings'. In the settings page, select 'Accept Payments'.

Step 02: Connect Cashfree Payments

On the 'Accept Payments' screen, scroll down and click on 'More Payment Options'. Select 'Cashfree Payments' and click on 'Connect'.

Step 03: Enter ID and Secret Key

Enter your 'App ID' and 'Secret Key' of your Cashfree Account and start accepting payments. If you don't have a Cashfree account, then signup first.

Advanced Payment Gateway Features

Instant Refunds

Do instant customer refunds - online orders, COD orders and deposits with advanced refund solutions and delight your customers. Refunds are processed in less than 1 minute, versus the usual 4-6 working days wait.

Instant Settlements

Get access to your online payment gateway collections within 15 minutes even on bank holidays.

Pre-authorization

Temporarily block some amount of funds when a customer places an order and save payment gateway charges on canceled orders with Pre-auth.

Token Vault

Process saved card payments securely while being RBI compliant. Token Vault is India's first interoperable card tokenization solution that works across all card networks and payment gateways.

Pricing

Payment Gateway Charges

Standard Rate: 1.95% for all card, UPI, netbanking, and digital wallet transactions

Note: For some payment modes (EMIs, Pay Later, and international cards), the charges differ.

Integration Options

Supported Integration Types

Cashfree Payments supports a wide variety of integrations:

Web and Mobile Integrations:

Platform Plugins:

Programming Languages:

Integration Timeline

Account Setup and Requirements

Onboarding Process

  1. Signup on Cashfree Payments (100% paperless onboarding)
  2. Update your business profile and upload scanned copies of business documents
  3. Try out the payment gateway in test account mode
  4. Payment expert will call to discuss business requirements
  5. Once account is verified, product team will help with integration

Supported Account Types

Settlement Information

Standard Settlement Cycle

Businesses usually get their revenue deposited in their designated bank accounts in T+2 working days. For a transaction processed on Monday, the settlement amount will reflect in your account on Thursday.

Instant Settlements Options

Security and Compliance

Certifications and Authorizations

RBI Authorised Payment Aggregator License

RBI Authorised Prepaid Payment Instrument (PPI) Provider

Security Standards:

PCI-DSS Compliance

PCI-DSS is a globally recognised security standard and protocol. Cashfree Payments has a PCI-DSS Level 1 certification, which recognizes that the technology meets the highest level of safety and security in managing protected payment information. When using Cashfree's hosted checkout options, the PCI-DSS certificate covers merchants and they will not need the certificate to accept payments via credit and debit cards.

Success Rates and Performance

Cashfree Payment Gateway offers industry-leading success rates across payment modes through:

Transaction Capacity

Cashfree Payment Gateway has industry-leading infrastructure that supports a very high rate of transactions per second. The platform can support huge spikes in payments during shopping festivals and occasions (5x-8x higher than usual traffic) without any additional effort.

International Payment Support

Cashfree Payments supports accepting payments from international customers:

International Payment Methods:

Features:

Additional Solutions

No Website/App Required

Cashfree Payments offers no-code solutions for entities that want to accept payments without a website or application:

Multi-User Access

Supports multi-user logins via account aliases. Once Cashfree Payments account has been set up, access can be enabled for other team members.

Mobile Application

Cashfree offers a mobile application for partner businesses to access their dashboard and manage their payments via smartphones.

Frequently Asked Questions

What is a payment gateway?

A payment gateway is a technology-driven digital platform which enables online businesses to collect digital payments from their end customers. When customers trigger a checkout on the website or application of an online business, their payment information is collected and passed through a payment gateway for authorization and processing.

What payment modes are supported by Cashfree?

Cashfree Payments supports the widest range of payment modes with a single integration. Over 180+ payment modes are supported:

Cards: All major card networks namely RuPay, VISA, MasterCard, Amex, DinersClub and Maestro.

Net Banking: Integrations with 90+ public and private banks in India.

UPI: 20+ UPI apps including PhonePe, Paytm, Google Pay, BHIM and Amazon Pay.

BNPL: 35+ Card and Cardless EMI providers and Pay Later partners

Wallet: 9 Digital and Mobile Wallets including Paytm, Amazon Pay, Freecharge and MobiKwik

What are the types of integrations and platforms that Cashfree Payments supports?

Cashfree Payments supports a wide variety of integrations that enable different types of businesses leveraging different platforms to accept payments seamlessly. Supported integrations include:

How can I set up Cashfree's Payment Gateway for my website?

Cashfree Payments offers a wide range of web integrations:

I sell products to both Indian and International customers. Is Cashfree the right PG for me?

Yes. Cashfree Payments is the right payment gateway for businesses looking to take their brand global and collect payments from domestic and international customers. Supported features:

What are the payment gateway charges?

Charges for payments processing: 1.95% for all card, UPI, netbanking, and digital wallet transactions. For some payment modes (EMIs, Pay Later, and international cards), the charges differ.

Can I sign up as an individual?

Yes, you can sign up as an individual for a payment gateway. Share your personal address proof instead of the business registration details.

What features are supported by Cashfree PG?

Cashfree Payments offers:

Core Features:

Value-Added Services:

In which programming languages do you have integration kits available?

Integration kits available in: PHP, Java, Python, NodeJS, Ruby and .Net.

Can I do payment integration in Android & iOS apps?

Yes. Use Cashfree Payments SDK to integrate the Payment Gateway directly into Android or iOS apps. Cashfree Payments SDK has been designed to offload the complexity of handling and integrating payments in your app.

What is the procedure for PG integration?

100% paperless onboarding process:

  1. Signup on Cashfree Payments
  2. Update your business profile and upload scanned copies of business documents
  3. Try out the payment gateway in test account mode
  4. Payment expert will call to discuss business requirements and help pick the right set of features
  5. Once the account is verified, product team will help with the integration

How many days does the integration take?

Integration timeline depends on the type of integration:

How do I add or remove payment methods from checkout?

On the Cashfree Payments dashboard, click on Settings → Payment Gateway → Payment methods to see which methods have been enabled for your account and which ones are still available. You can raise a request from that page to activate or deactivate a payment mode.

Are NRO and NRE accounts supported?

Cashfree Payments supports NRO accounts of non-resident Indians, for individuals and organisations. NRE accounts are NOT supported.

Why choose Cashfree Payments?

As an online merchant, when you opt for Cashfree you get:

  1. Over 150+ payment modes with both domestic and international payment options
  2. India's widest BNPL suite with 35+ card and cardless EMIs and Pay Later options
  3. Industry highest success rates on transactions achieved through dynamic routing, direct bank integrations and payment retries
  4. Robust UPI payments stack with 8+ direct bank integrations that guarantees faster payments with higher success rates
  5. The most advanced card payments system with Tokenization, CVV-free payments and 3DS 2.0
  6. Innovative solutions like BNPL and Offers Widget, Instant Settlements and Easy Split to cater to fast growing business payment needs
  7. Highly reliable customer support available 24*7 to quickly resolve your queries

What is the settlement cycle like? Is this flexible?

Businesses usually get their revenue deposited in their designated bank accounts in T+2 working days. For a transaction processed on Monday, the settlement amount will reflect in your account on Thursday.

For early payments, explore Instant Settlements product to control settlement flow:

What is a PCI-DSS? Do I need it?

PCI-DSS is a globally recognised security standard and protocol. Businesses with a PCI-DSS certificate have the ability to securely store card information. Cashfree Payments has a PCI-DSS Level 1 certification, which recognizes that the technology meets the highest level of safety and security in managing protected payment information.

You need a PCI-DSS certificate to accept card payments only when you are operating your own checkout. When using Cashfree's hosted checkout options, Cashfree's PCI-DSS certificate will cover you and you will not need the certificate to accept payments via credit and debit cards.

Do you support card tokenisation?

Yes. Cashfree has its own RBI compliant card tokenization solution called Token Vault. Token Vault is India's first interoperable card tokenization solution that helps process customer's saved card payments across multiple card networks and payment gateways.

Do you support instant refunds?

Yes. Cashfree provides the most advanced Instant Refunds offering to help merchants delight their customers with instant refund processing on their orders.

Standard refunds that take 4-5 working days to reach customer's account are also supported.

What is the success rate of Cashfree Payment Gateway?

Cashfree Payment Gateway offers industry-leading success rates across payment modes. Higher success rates are delivered through:

Does Cashfree Payments Gateway have a transaction limit?

Cashfree Payment Gateway has industry-leading infrastructure that supports a very high rate of transactions per second. The platform can support huge spikes in payments during shopping festivals and occasions (5x-8x higher than usual traffic) without any additional effort.

Do I need a website / app to accept payments?

No, you do not need a website or app to accept payments. Cashfree Payments has two no-code solutions:

Why is Cashfree Payment Gateway the most secure?

Cashfree Payments is highly secure with:

Do you have a mobile app for businesses?

Yes, Cashfree has a mobile application for partner businesses to access their dashboard and manage their payments via smartphones.

Do you support multi-user logins and accounts?

Yes, multi-user logins are supported via account aliases. Once Cashfree Payments account has been set up, access can be enabled for other members of your team by providing them access to your account.

Company Information

Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, make payouts, manage international payments, and more. Cashfree Payments is backed by SBI, Y Combinator, Krafton, and Apis partners and was incubated by PayPal.

Support and Resources

Customer Support

Documentation