Zoho PaymentsB76
Payment Processor · US small businesses and B2B service firms that already invoice or bill through Zoho Books, Zoho Invoice, Zo…
Overview
Zoho Payments is a sensible default for a US business that already runs its invoicing or accounting in Zoho Books, Invoice, Billing or Inventory. Payments are recorded and reconciled in the same place they are billed. The price is published and plain: 2.9% + 30¢ on every domestic card, Amex included, and ACH at 0.8% capped at $5, with no monthly fee or contract. We hold the grade at B for three reasons. The US product is online-only, and ACH has to be requested. The terms give Zoho broad room to set reserves, change fees without notice and debit the accounts of related people and businesses. Finally, the product has too few reviews of its own to judge its support or its handling of account holds.
Best for: US small businesses and B2B service firms that already invoice or bill through Zoho Books, Zoho Invoice, Zoho Billing or Zoho Inventory, and want card and ACH payments reconciled automatically without a separate processor login.
Strengths
- + Published, flat pricing: 2.9% + 30¢ for every domestic card, including American Express, with no setup, monthly or PCI fee listed
- + ACH at 0.8% capped at $5 makes large B2B invoices cheap to collect: a $10,000 bank payment costs $5
- + Built into Zoho Books, Invoice, Billing, Inventory, Commerce and Checkout, so payments, fees and payouts reconcile against invoices automatically
- + No contract and no early termination fee
- + Card payments settle two business days after the sale and are paid out on a daily, weekly or monthly schedule you choose
- + Zoho handles onboarding and support itself, by phone and email 24 hours a day, Monday to Friday
Trade-offs
- – Online only in the US: no card reader, terminal or tap-to-pay, although the Indian product has POS devices
- – International cards cost 4.4% + 30¢, and 5.4% + 30¢ when the customer pays in another currency
- – $$15 dispute fee is charged even when you win, and the original processing fee is not returned on refunds
- – The terms let Zoho change fees without notice, set reserves at its discretion, place a lien on processed funds and debit the accounts of related people and businesses
- – ACH must be requested from support, and there is no sandbox for developers
- – Little evidence to judge it by: no reviews on Capterra, and Zoho's company-wide BBB file carries a pattern-of-complaints alert about support and billing
Fees in detail
- Online rate: 2.9% + 30¢ domestic cards; ACH 0.8%, $5 cap
- International: International cards cost 1.5% on top of the domestic card fee, so 4.4% + 30¢ per transaction, as of October 2026. A further 1% currency conv
- Disputes: $$15 per disputed transaction, charged regardless of the outcome. ACH disputes cannot be contested and the amount is debited from your accou
Standard published rate for a domestic online card payment. Confirm current pricing on Zoho Payments's pricing page.
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