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Connect Zoho Payments
Zoho Payments covers UPI, Cards and Net Banking across multiple regional data centres. Connecting it takes a few more credentials than the other providers because it uses OAuth. Set it up on the Addons → RelyPay → Providers page.
Addons → RelyPay → Providers → Zoho Payments
Credentials you will need
On the Zoho Payments card, fill in these fields exactly:
| Field | Where to find it |
|---|---|
| Account ID | From Zoho Payments Dashboard |
| API Key | From Zoho Payments → Settings → API Keys |
| OAuth Client ID | From Zoho API Console (Self Client) |
| Client Secret | From Zoho API Console |
| Refresh Token | Generated via OAuth flow |
| Webhook Secret | For webhook verification |
Create a Self Client in the Zoho API Console to get the OAuth Client ID and Client Secret, then complete the OAuth flow to generate the Refresh Token. The Account ID and API Key come from your Zoho Payments dashboard.
Data Center
- Data Center — choose the region your Zoho account lives in: India (.in), US (.com), EU (.eu) or Australia (.com.au).
Pick the correct data center
Zoho accounts are region-specific. Choosing the wrong data center will make authentication fail even when every other credential is correct. Match it to the domain you use to sign in to Zoho.
Options
- Test Mode — toggle. Enable for sandbox testing. Use this while trialing the integration, and disable it for live payments.
Register the webhook
- On the Zoho card in RelyPay, copy the webhook URL shown.
- In the Zoho Payments dashboard, add that URL as your webhook endpoint and set a secret that matches the Webhook Secret you entered in RelyPay.
- Subscribe to these events:
| Event | Required? |
|---|---|
payment.succeeded | Required |
payment.failed | Required |
SSL and webhook secret required
The webhook URL must be HTTPS, and the Webhook Secret must be set — without it RelyPay cannot verify the signature and will reject callbacks with a "Webhook secret not configured" notice in the activity log.
Test it
- Click Test Connection on the Zoho card to confirm your credentials and data center are correct.
- Enable Zoho Payments and save.
- Place a test payment through a RelyPay sub-gateway that Zoho can serve, and confirm the result appears in the transaction log with Zoho as the provider.