Zoho will likely be entering the consumer payments space with Zoho Pay, a standalone app that will also be embedded within its chat platform Arattai, placing it in competition with players like Google Pay and PhonePe.

Sivaramakrishnan Iswaran, CEO of Zoho Payments Tech, said the product will allow users to send and receive money, make secure payments, and perform seamless transactions.

The move marks Zoho’s deeper foray into the financial technology space, where it already operates business payments and point-of-sale (POS) solutions.

“Zoho Pay is designed to offer a smooth, secure, and integrated payment experience. It will be available both as a standalone app and within Arattai, enabling users to make transactions without leaving their chat interface,” Iswaran told Moneycontrol in a

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