Integrate Zoho Expense With SBI Bank

Integrating Zoho Expense with SBI Bank allows you to reimburse employees’ expense reports directly from Zoho Expense.

To reimburse your employees via SBI Bank, you need to enable the SBI Bank integration in Zoho Expense. Next, configure the integration in SBI Bank’s internet banking portal, yono Business. Add other users who can reimburse employees. After this is done, employees should add the bank account to which they want to receive reimbursements.

Initiate the Integration in Zoho Expense

To enable the SBI integration in your Zoho Expense organization:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Online Reimbursements under Integrations.
Click the SBI Bank card.
Click Enable Integration in the top right corner of the page.

Read the terms and conditions, check I have read and agree to the Terms and Conditions of the integration, and click Initiate Integration in the pop-up that appears.

With this, the integration will be initiated in Zoho Expense. You should continue with the integration process in your SBI banking portal. A unique ID will be generated in Zoho Expense, which you should copy and paste in SBI’s internet banking portal.

Continue the Integration in SBI’s Internet Banking Portal

Once you’ve initiated the integration in Zoho Expense, you need to configure it in SBI’s internet banking portal. Here’s how:

Log in to the SBI’s internet banking portal.
Enter your User ID, Password, Captcha, and click Login.
Verify your login by entering the OTP received in your registered mobile number.

You’ll be logged in to SBI’s internet banking portal. Now, you’ll have to do the following to complete setting up the integration in SBI bank’s portal:

Submit Application

You need to create an application in SBI’s internet banking portal to configure the integration. Here’s how:

Go to API Banking on the left sidebar.
Click the New Application tab to add Zoho as the Enterprise Resource Planning (ERP) software. Enter all the required details in the following sections and submit them to SBI Bank.

Onboarding Details

In this section, enter the following details of your ERP provider (Zoho).

Field	Description
Aggregator Type	Select Aggregator ERP.
ERP Provider	Select Zoho Corporation Pvt Limited.
ERP Provider Unique ID	Enter the unique ID generated in Zoho Expense and click Validate.
Corporate Email ID	Enter the admin user’s corporate email address.
Corporate ID or CIF ID	This field will be auto-populated from the portal.

Once done, click Proceed. Your details will be saved, and you’ll be redirected to the API Details section.

API Details

In this section, select the API details required to access the SBI services.

Select Payments from the API Group dropdown.
Select the Authorization Mode.
- STP (Straight Through Processing): The payment will be initiated directly from Zoho Expense.
- Non-STP: The payment will be initiated in Zoho Expense but should be authorized again in SBI’s internet banking portal.
Select all the APIs in the Individual API section.
Click Proceed. Your details will be saved, and you’ll be redirected to the Transaction Details section.

Transaction Details

In this section, you need to review the transaction limits and add other users who can reimburse employees (if you have multiple users in your Zoho Expense organization).

Click Add User.
Enter the user’s Name and Phone Number.
Click Add User again. Follow the same steps if you want to add more users.
Click Proceed. Your details will be saved, and you’ll be redirected to the Preview and Submit section.

Preview and Submit

In this section, you can preview all the details and submit them to SBI Bank. Here’s how:

Review all the details you’ve entered.
Agree to the terms and conditions.
Click Submit.
Enter the OTP sent to the registered mobile number.
Click Verify OTP. An Onboarding Reference Number will be generated. You can view the status of the application in the View Status tab under API Banking.

If you’re an individual user using SBI’s internet banking portal, your application will be processed immediately and you can proceed to sync your account details.

If there are multiple users using the SBI portal:

Email the Omnibus Document to your SBI Bank Relationship Manager.
Add users and provide them approval access.

Insight:

You can also download or print the Omnibus Document and share it with your bank offline.

Sync Account Details

After your onboarding has been completed, you can sync your account details with Zoho. Here’s how:

Go to API Banking on the left sidebar.
Click the Account Details Sync with Aggregator tab.
Verify the details and click Sync Data With Aggregator.
Click Proceed once the details have been synced.

Insight:

You can view the status of the sync on the same page in the Data Sync Status section.

Generate Integration Token

You need to generate an integration token in SBI’s internet banking portal to establish the integration with Zoho Expense. Here’s how:

Go to API Banking on the left sidebar.
Click the Token Management tab.
Select Yes from the Token Active dropdown.
Enter the Expiry Period for the token. A token will be generated.
Click OK.
Click Sync Token With Aggregator to sync the token with Zoho Expense.

The token will be synced with Zoho Expense and you can go back to your Zoho Expense organization to complete the integration.

Insight:

When the integration token expires, you can generate a new one on the same page to continue reimbursing your employees.

Complete Integration in Zoho Expense

Once you’ve set up the integration in SBI’s internet banking portal, you need to complete the integration in Zoho Expense. Here’s how:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Online Reimbursements under Integrations.
Click the SBI Bank card.
Enter the mobile number registered with your SBI Bank account and click Submit.

Once verified, the integration’s status will change to Active, and you’ll be able to reimburse employee expenses in Zoho Expense.

Add Your Organization’s Bank Account in Zoho Expense

You need to add the bank account through which you’ll reimburse employee expenses using the SBI integration. If you haven’t added the bank account in Zoho Expense yet, here’s how to do it:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Modules under Customisation.
Click Paid Through Accounts.
Click + New Paid Through Account in the top right corner of the page.
Enter the Account Name.
Select Bank as the Account Type.
Fill in details in the other fields and click Save.

When reimbursing employees via SBI Bank you can use this bank account.

Manage Users

The SBI integration is an user-level integration. You need to add the users who can reimburse employees in Zoho Expense and provide them access to approve payments in SBI’s internet banking portal.

Add Users in Zoho Expense

Once you’ve integrated your organization with the SBI Bank, you can add the users who can reimburse employees. Here’s how:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Online Reimbursements under Integrations.
Click the SBI Bank card.
Click Manage Users in the top right corner of the page.
Add the required users from the Users dropdown.
Click + Add Users to add the users.

Now, these users can reimburse employees.

Note:

Users added here also need to be added to SBI’s internet banking portal to access the integration.
To revoke access for users, in the same pop-up, hover over their name and click the Remove button.

Users Accessing the Integration

Once you’ve provided integration access to other users, here’s how they can enable the integration:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Online Reimbursements under Integrations.
Click the SBI Bank card.
Click Enable Integration in the top right corner of the page.

Read the terms and conditions, check I have read and agree to the Terms and Conditions of the integration, and click Proceed in the pop-up that appears.
Enter the mobile number the users will use to access the integration.
Click Submit.

Once integrated, these users will be able to reimburse employees in Zoho Expense using the SBI integration.

Provide Approval Access in SBI

If you selected Non-STP as the authorization mode while configuring the integration, you need to provide approval access to the users who can reimburse employees. Here’s how:

Log in to SBI’s internet banking portal.
Click Manage Accounts on the left sidebar and select Authorization Limit (Rules) from the list of options.
Select the Account Number.
Enter the Transaction Limit, Authorization Type, and click GO.
Select the user and click Submit to set the limits.
Click the Download C7-A Form tab.
Select the Rule ID and click Download.

Share the downloaded form with your bank. The changes will take effect after the bank reviews and approves the details.

Once approved, you can provide approval access to users. Here’s how:

Click Manage Accounts on the left sidebar and select Access Rights from the list of options.
Select a user to provide approval access and click GO.

Select Authorizer in the Access Rights dropdown.
Click Confirm to add the user as an approver.

The users can now authorize the transactions initiated in Zoho Expense.

Add Employees as Beneficiaries in SBI

You need to add the employees as beneficiaries in SBI for them to receive reimbursement. Here’s how:

Log in to the SBI’s internet banking portal.
Click Manage Beneficiaries on the left sidebar.
Click SBI Beneficiary or Other Bank Beneficiary depending on the user’s bank account details.
Enter the required details and click Submit or Confirm.

Add Users’ Bank Accounts in Zoho Expenses

Once you’ve set up the SBI integration, users can add their bank accounts in Zoho Expense to receive reimbursements. After they add their bank account, the employees will receive reimbursements to that account.

Reimburse Your Employees

After enabling the integration and adding the bank accounts, admins and the users with reimbursement permissions will be able to reimburse the approved reports via SBI Bank.

Approve Transactions in SBI

If you selected Non-STP as the authorization mode while configuring the integration, you will have to approve the transaction at the portal. Learn how to provide approval access for your portal users.

To approve a transaction:

Log in to SBI’s internet banking portal.
Click Payments on the left sidebar.
Click the Initiate/Authorize tab.
Review the payment details and click Approve.
Enter the OTP sent to your registered number to authorize the transaction.
Click Confirm.

The payment will be approved. You can check the status of the payment in the reports section.

Disable Integration

Note:

This applies to the users in your organisation who are reimbursing employee expenses via SBI Bank, and not to the user who set up the integration for your organisation.

If you won’t be reimbursing expenses via SBI Bank anymore, you can disable the integration. Here’s how:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Online Reimbursements under Integrations.
Click the SBI Bank card.
Click Disable Integration in the top right corner of the page.

Click Disable Integration again in the pop-up that appears.

Note:

The integration will be disabled only for you. Other users in your organization will still be able to use it.

Delete Integration

Note:

The integration can only be deleted by the admin who set it up.

Warning:

Once you delete the integration, you’ll not be able to integrate your organization with this SBI Bank account.

If you’re the admin who set up the integration and you don’t want your Zoho Expense organization to be integrated with SBI Bank, you can delete it. Here’s how:

Go to Admin View on the left sidebar.
Click Settings on the left sidebar.
(OR)
Go to Settings in the top right corner of the page.
Click Online Reimbursements under Integrations.
Click the SBI Bank card.
Click Delete Integration in the top right corner of the page.

Check I have read the above information and I want to delete the integration.
Click Delete Integration.