After the success of its homegrown messaging app Arattai, Zoho Corporation—led by CEO Sridhar Vembu—is now gearing up to enter India’s booming digital payments space with its new UPI app, Zoho Pay. The upcoming platform aims to rival established players like Google Pay, PhonePe, Paytm, and WhatsApp Pay, positioning Zoho as a serious contender in India’s competitive fintech market.
Zoho Pay Launch and Rollout
Zoho Pay is currently in its internal testing phase and is expected to see a phased rollout across India in the coming months. Designed as a comprehensive peer-to-peer and merchant payments solution, it will be available both as a standalone app and as a built-in feature within Arattai.
With this integration, Zoho is set to make financial transactions as seamless as messaging—further strengthening its “Made in India, for India” ecosystem.
Seamless Payments Within Arattai
One of Zoho Pay’s biggest differentiators will be its deep integration within the Arattai chat platform. Users will be able to send and receive money, pay bills, and make secure UPI transactions without leaving their chat windows—similar to the experience offered by WhatsApp Pay.
This integration could transform Arattai into a feature-rich super app, combining communication and financial convenience under one platform. The move follows Arattai’s growing popularity, driven by its focus on privacy, data sovereignty, and endorsements from government and industry leaders.
Building a Full-Stack FinTech Ecosystem
Zoho Pay marks a pivotal step in Zoho’s larger fintech ambitions. Earlier this year, the company secured a Payment Aggregator (PA) license and already offers Zoho Payments for businesses—complete with Point-of-Sale (POS) devices for in-person transactions.
By entering the UPI segment, Zoho is bridging its B2B fintech expertise with consumer-facing innovation, aiming to create an integrated financial ecosystem that spans personal and business payments alike.
What to Expect Next
While Zoho has not announced an official release date, the testing and phased rollout strategy suggest a public launch could follow soon. With its strong brand credibility, privacy-first design, and existing Arattai user base, Zoho Pay could quickly emerge as a formidable alternative to India’s current UPI giants.