Zoho Books integrates with a wide range of payment processors to help businesses accept customer payments efficiently. Choosing the right payment gateway can impact fees, customer experience, and cash flow. This guide breaks down all supported payment processors within the Zoho Finance Suite, focusing on their strengths, limitations, and ideal scenarios.
List of Supported Payment Processors in Zoho Books
Zoho Books currently supports the following gateways:
- Stripe (Credit Cards and ACH)
- Bancontact
- iDEAL
- Alipay
- Klarna
- PayNow
- Authorize.Net (Credit Cards and eChecks)
- PayPal
- Venmo
- Verifone (Autocharge not available)
- Braintree (Autocharge not available)
- CSG Forte (Credit Cards and ACH)
- ACH Vendor Payment
- Zoho Payments (Credit Cards and ACH)
- Square
Pros and Cons of Payment Processors
| Payment Processor | Pros | Cons |
|---|---|---|
| Stripe | – International coverage- Supports credit cards and ACH (depending on setup) | – Fixed fee schedules hard to negotiate |
| Authorize.Net | – Supports credit cards and eChecks – Enables one-time and recurring payments – Broad provider network for local rate negotiation | – eCheck fees are percentage-based |
| PayPal | – Accepts cards, PayPal Credit/Pay Later, and Venmo (US only) – Strong international presence – Bank feeds integration with Zoho Books | – None |
| Verifone | – Accepts global mobile and online payments – Ideal for international sales | – Autocharge not supported |
| Braintree | – All-in-one solution for web and mobile – Supports multiple currencies in 45+ countries | – Autocharge not supported |
| CSG Forte | – Integrates with apps – Supports vendor payments | – Less flexibility in negotiating fees |
| Zoho Payments | – Seamless Zoho Books integration – Automated reconciliation – Transparent pricing: –Domestic: ~2.90% + $0.30 –International: +1.5% –ACH: ~0.80% (capped at $5); $1 instant verification | – None |
| Square | – Ideal for POS/invoicing- Available in multiple countries | – No ACH support- Fixed fees hard to negotiate |
Suggested Use Cases by Business Type
| Business Type | Recommended Processor(s) | Reason |
|---|---|---|
| Freelancers & Consultants | Stripe, PayPal | Quick setup, broad acceptance |
| E-commerce | Braintree, Verifone | Multi-currency support, global reach |
| Zoho Ecosystem Users | Zoho Payments | Seamless integration, auto reconciliation |
| U.S. Local Businesses | Authorize.Net, Square | ACH, POS compatibility, local providers |
FAQ Section
Zoho Payments offers the tightest integration, with built-in automation and clear pricing.
Yes. Stripe, CSG Forte, and Zoho Payments support ACH. Square does not.
It supports eChecks, recurring payments, and offers a large provider network for rate negotiation.
Yes. Stripe, PayPal, Braintree, and Verifone all support global currencies and buyers.
Yes. PayPal supports bank feeds to sync and reconcile payments automatically.