## Documentation Index

Access the complete documentation index at:
https://www.zoho.com/in/books/help/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Integrate Zoho Books with ICICI Bank

**Note:**

*   This integration is available only for users in the India edition of Zoho Books created under the **zoho.in** domain.
*   Transaction charges, if any, are applicable as per the Schedule of Charges of ICICI Bank which differs from person to person. Zoho does not charge any additional fees.

Zoho Books now partners with **ICICI Bank** - one of the largest banks in India to let you make payments directly from Zoho Books. Let’s take a scenario to explain this better:

**Scenario:** Peter runs a retail business. He makes and receives payments online for all his sales and purchases. Logging into his bank’s internet banking portal every time to make a payment makes it inconvenient and time consuming. He immediately integrates his Zoho Books organisation with his ICICI Bank Corporate account. He now settles bills and even makes advance payments–all without logging into the ICICI Bank CIB _(Corporate Internet Banking)_ Portal.

**Prerequisites:**

*   An ICICI Bank corporate current account with internet banking.
*   An active paid subscription to any one of the Zoho Finance apps.
*   Multi-Factor Authentication (MFA), excluding Security Key and Passkey, must be enabled for your Zoho account. Learn [how to enable MFA](https://www.zoho.com/in/books/kb/general/enable-tfa.html).

### Benefits of the Integration

*   Make online payments to your vendors directly from Zoho Books without logging into ICICI Bank CIB _(Corporate Internet Banking)_ Portal.
*   Make advance payments and bulk bill payments to a vendor.
*   Make your GST payments directly from Zoho Books.
*   Reconcile bank statements in a jiffy with direct feeds from the bank.

Watch this video to learn how the integration works.

  

### Connect to ICICI Bank

Connect your corporate bank account to Zoho Books by following these simple steps:

**Note:** This is a user-level integration and only the user who had set up the integration will be able to access or make payments using it. Deleting the user will disable the integration automatically.

#### 1\. Setup

*   Go to _Settings_, and click _Vendor Payments_ under _Online Payments_.

To continue setting up the integration, choose one of the following options based on whether you already have an ICICI Bank Current Account:

1.  [If you are a new user to ICICI Bank](/in/books/help/online-payments/icicibank-integration.html#new-user)
2.  [If you are an existing user of ICICI Bank](/in/books/help/online-payments/icicibank-integration.html#existing-user)

##### **If you are a new user to ICICI Bank:**

*   Request for a new current account by clicking **Open a New Current Account** under _ICICI Bank_.
    
*   Enter your name and contact details in the screen that follows.
    
*   Read and agree to the terms and click **Proceed**.
    
    ![New Account](/books/help/images/integrations/icici/icici-request.png)

You will be redirected to ICICI Bank to complete the setup. (The bank executives might get in touch with you to complete the process.) Once that’s done, you can set up the integration using your User ID and Corporate ID.

##### **If you are an existing user of ICICI Bank:**

*   Click **Set up Now** under _ICICI Bank_.
    
    ![Set Up ICICI](/books/help/images/integrations/icici/icici-setup.png)
*   In the pop-up that appears, enter your **CIB Portal Login ID** if you’ve created one in the portal. If you haven’t created one earlier, enter your credentials in this format: **CorporateID.UserID**.
    
*   Enter your **Corporate ID** and **User ID**. You can find them both in _ICICI’s CIB portal_ under _Profile_ > _Personal Details_.
    

**Insight:** Your Corporate ID and User ID will be populated if your CIB Portal’s Login ID format is CorporateID.UserID.

*   Click **Save**.
    
    ![Integration Set Up](/books/help/images/integrations/icici/icici-existing.png)

You will have initiated the integration.

**Warning:** Once you have set up the integration with these credentials, you will not be able to edit them in Zoho Books. You must disable the integration and set it up once again with the new credentials.

#### 2\. Verify Documents

After initiating the integration in Zoho Books, you will have to contact your bank or relationship manager to complete the document verification. You will be required to submit the documents communicated by the ICICI Bank representative for verification. Once you’ve submitted your documents, please wait for your bank or relationship manager to confirm that the verification is complete.

**Note:** ICICI Bank may charge **a processing fee** for this process.

#### 3\. Approval

After verifying the documents, you need to approve it in the CIB Portal. Until then, your **Account Status** will be **Pending**.

To approve the integration:

*   Click **Approve in ICICI Bank CIB Portal** under the _Pending Activities_ section.
    
    ![Pending Activities](/books/help/images/integrations/icici/icici-pending.png)
    

**Note:** You can also click **Activate Now** next to the _Pending_ status and proceed to approve the integration or log in directly to the ICICI Bank CIB portal.

*   Click **Proceed** and you’ll be redirected to the CIB login page.
*   Enter your ICICI Bank **CIB Portal Login ID** and **Password**.

**Insight:** If you haven’t created a Login ID for your CIB Portal, enter your **CorporateID.UserID** in the given field.

*   Click **Proceed** to login.
    
    ![Portal Login](/books/help/images/integrations/icici/icici-login.png)
*   Go to _Connected Banking_ and click the _Connected Banking Approvals_ tab.
    
    ![Connected Banking Approval](/books/help/images/integrations/icici/icici-connected-banking1.png)
    
*   Check the box near the _Corporate ID_ and _User ID_ that you would like to approve.
    
*   Read the **Terms and Conditions** and click **Approve**.
    
    ![Terms and Conditions](/books/help/images/integrations/icici/icici-portal.png)
    
*   In the screen that follows, enter the **One Time Password** sent to your registered mobile number and click **Confirm**.
    
    ![Confirm Integration](/books/help/images/integrations/icici/icici-otp.png)
    
*   Check the status of the integration in Zoho Books by clicking **Check Status** in the _Vendor Payments_ tab.
    
    ![Check Integration Status](/books/help/images/integrations/icici/icici-check-status.png)
    

Once the integration is active, you will receive a notification in Zoho Books and your account status will be **Active**.

#### 4\. Add Bank Account

Once your integration is active, select your primary account to make payments under the **Pending Activities** section in the Vendor Payments tab.

*   Click **Select an Account** under ICICI Bank.
    
    ![Add Bank](/books/help/images/integrations/icici/icici-add-bank.png)
    
*   Click the dropdown in the **Bank Account to Make Payment** field and click **\+ Add New** to include a new account (or choose your existing ICICI Bank account).
    
*   Enter your bank account details in the pop-up and click **Save and Select**.
    

This account will be your default account while initiating payments.

### Add Vendor’s Bank Account Details

Once you have integrated your bank account, you can add your vendor’s bank account details to start making payments from Zoho Books.

**Insight:** By default, only the admins will be able to add vendor’s bank account details. You can [edit a role](https://www.zoho.com/in/books/help/settings/users.html#edit-user) to provide permissions for other users to add, edit and delete vendor’s bank account details.

To add vendor’s bank account details:

*   Go to _Purchases_ and then _Vendors_ and select the particular vendor.
*   Click the **More** dropdown and select **Add Bank Account**.
*   Enter the vendor’s bank account details in the pop-up that appears.

**Insight:** The IFSC you enter will be validated immediately so you can verify the code and then save your vendor’s bank account details.

*   Click **Save**.

You will have added your vendor’s bank account details.

### Make Payments via Zoho Books

Once you have added your vendor’s bank account details, you can start making payments. In Zoho Books, you can:

*   [Make Individual Bill Payment](/in/books/help/online-payments/icicibank-integration.html#bill-payments)
*   [Make Multiple Bill Payments](/in/books/help/online-payments/icicibank-integration.html#bulk-payments)
*   [Make Advance Payments](/in/books/help/online-payments/icicibank-integration.html#advance-payments)
*   [Make GST Payments](/in/books/help/online-payments/icicibank-integration.html#gst)

#### Make Individual Bill Payment

Make quick payments to your vendors when a bill is received and settle dues. To start making payments:

*   Go to the _Bills_ module under _Purchases_ on the left sidebar.
    
*   Select the bill for which you need to make the payment.
    
*   Click **Pay via ICICI Bank** in the options on the top bar.
    
    ![Pay Via ICICI Button](/books/help/images/integrations/icici/icici-bill.png)
    
*   Enter the payment details in the pop-up that appears.
    

**Fields**

**Description**

**Balance Due**

The total sum of money **due** for payment.

**Amount**

The **Amount** you would like to pay. You can choose to make complete or partial payments towards the bill.

**From Account**

The account from which you want to make the payment. Choose one from the list of bank accounts linked to Zoho Books or add a new bank account.  
You can also view your account balance and make it your primary account to make payments by checking the **Make this primary option**.

**To Account**

The account to which you would like to make the payment.

**Transaction Type**

The **Transaction Type** from the available fund transfer options such as ICICI Bank Fund Transfer, IMPS, RTGS, and NEFT. You can make payments to vendors with ICICI bank accounts and other bank accounts.

The transfer types are:

*   **ICICI Fund Transfer**: Transfers funds immediately to other ICICI Bank accounts (24/7).
    
*   **IMPS**: Transfers funds below ₹5 lakhs instantly to all bank accounts (24/7).
    
*   **NEFT**: Transfers funds to all bank accounts in batches during bank working hours.
    
*   **RTGS**: Transfers funds exceeding ₹2 lakhs instantly to all bank accounts during bank working hours.
    
    ![Payment](/books/help/images/integrations/icici/icici-pay.png)
*   Click **Proceed**.
    
*   In the following screen, enter the **OTP** (One Time Password) sent to your registered mobile number.
    

**Insight:** If you didn’t receive your OTP, please try again after some time. If the issue persists, contact support.

*   Enter the **Token**, generated in your ICICI Bank CIB portal to initiate payments. Learn how to [generate the token](https://www.zoho.com/in/books/kb/icici/icici-token.html) here.
    
*   Click **Submit** to make your payment.
    
    ![One Time Password](/books/help/images/integrations/icici/icici-payment-otp.png)

The status of your payment will be either **Cleared** or **Uncleared** in the _Payments Made_ tab based on the transaction type and the approval workflow you’ve chosen.

**Insight:** A transaction will be in the **Uncleared** status after it has been initiated from Zoho Books and is awaiting processing by ICICI Bank. The status will change to **Cleared** once the payment is processed and the amount is deposited into the vendor’s bank account. A few reasons for this include the approval workflow in the portal, the approver not approving the transaction, a bank holiday or transaction was initiated outside bank timings for NEFT/IMPS.

If you have enabled an approval workflow in your CIB portal,

*   Log in to your _ICICI Bank CIB Portal_.
    
*   Navigate to the _Transfers and Bill Payments_ module in the left sidebar page.
    
*   Go to _Transaction Approvals_ and click _Pending on Me_ or _Pending on Others_.
    
    ![Payment Approval](/books/help/images/integrations/icici/icici-approval.png)
    
*   Click the **Actions** dropdown to **Approve** or **Reject** the transactions pending for approval.
    

**Insight:** By default, transactions initiated from Zoho Books will have to be approved by a user with the permission to approve the specific amount.

#### Make Multiple Bill Payments

You will be able to make payments for multiple bills at once to a single vendor using this integration. Here’s how:

*   Go to the _Payments Made_ module and click **\+ New**.
    
*   Select a vendor and all their associated bills will be listed.
    
*   Click **Initiate Payment via ICICI Bank** and enter the other details.
    
    ![Bulk Payment](/books/help/images/integrations/icici/icici-bulk.png)
*   Verify your details and click **Initiate Payment**.
    
*   Enter the **One Time Password**(OTP) sent to your registered mobile number on the screen that follows.
    
*   Enter the **Token**, which is a unique 4-8 digit number used to initiate payments through your ICICI bank account securely.
    
*   Click **Submit**.
    

The payment will be initiated from Zoho Books.

#### Make Advance Payments

You will be able to make advance payments for your vendors once you add their [bank account details](/in/books/help/online-payments/icicibank-integration.html#adding-vendor-details).

**Note:** This feature is available only for organisations that have enabled GST.

To make advance payments:

*   Go to the _Payments Made_ module and click **\+ New**.
    
*   Navigate to the **Vendor Advance** tab.
    
*   Choose the vendor for whom you would like to make payment and select the option **Initiate Payment via ICICI Bank**.
    
*   Enter all the tax related details such as the **Source and Destination of Supply**, **Reverse Charge**, and **TDS**.
    
*   Enter the **Amount** to be paid.
    
*   Select the account from which you want to make the payment in the **From Account** option.
    
*   Select the **To Account** and the **Transaction Type**.
    
*   Verify your details and click **Initiate Payment**.
    
    ![Advance Payment](/books/help/images/integrations/icici/icici-advance.png)
*   Enter the **One Time Password**(OTP) sent to your registered mobile number.
    
*   Enter the **Token**, which is a unique 4-8 digit number used to initiate payments through your ICICI bank account securely.
    
*   Click **Submit**.
    

Your payment will be initiated.

#### Make GST Payments

You can make payments towards your GST returns directly from Zoho Books. To initiate GST payments:

*   [Generate the challan](https://www.zoho.com/in/books/help/gst/gst-filing.html#create-challan) in the GST portal.
    
*   Go to _GST Filing_.
    
*   Navigate to _Monthly Returns_ and click _GSTR-3B_.
    
*   In the _GST Payment tab_ and click **Pay via ICICI Bank**.
    
    ![Pay via ICICI](/books/help/images/integrations/icici/pay-icici.png)

(or)

Directly go to _GST Filing_, navigate to _GST Payments_ and click **Pay via ICICI Bank** to make your payment.

![Pay GST via ICICI](/books/help/images/integrations/icici/pay-icici2.png)

*   Enter the **Payment Date** and the **Challan Date** in the pop-up that appears.
*   Enter the **CPIN**(Common Portal Identification Number) that’s available in your challan.

**Insight:** The CPIN is a unique 14-digit number issued while generating the challan. It is valid as long as the challan is valid (15 days after generation).

*   Enter the **Payment Details** such as **Account Number**, **IFSC** and select your **From Account**.
    
*   Select a **Transaction Type** from the available fund transfer options.
    
*   Enter the **CGST**, **SGST**, **IGST** and **CESS** values from your challan under the _Tax Liability_ section.
    
*   Click **Proceed to Pay**.
    
    ![Make GST Payment](/books/help/images/integrations/icici/make-payment.png)
*   Enter the **OTP** sent to the mobile number registered with ICICI Bank.
    
*   Enter the **Token**, which is a unique 4-8 digit number used to initiate payments through your ICICI bank account securely.
    

The payment will be initiated from Zoho Books.

You can view the taxes you’ve paid earlier by clicking **View recent payments** at the bottom of the page or by going to the _GST Payments_ tab.

### Fetch Direct Feeds and Reconcile Bank Statements

This integration allows you to fetch feeds directly from your bank account to your Zoho Books organisation without any third party interference. This allows you to reconcile your bank transactions with those in Zoho Books. Once you have finished setting up the ICICI Bank integration, you will be able to add your account to configure direct feeds. To receive direct feeds:

*   Go to _Settings_, and click _Vendor Payments_ under _Online Payments_.
    
*   Click **Add Account for Bank Statement** next to _ICICI Bank_.
    
*   Select the bank account for which you would like to receive direct feeds in the pop-up that appears.
    
*   Select the **Date** from which you would like to fetch your feeds and click **Add**.
    
    ![Select bank account](/books/help/images/integrations/icici/icici-direct-feed.png)
*   Click **Add and Next** to add a new bank account.
    

**Insight:** You can also add your bank account by navigating to _Banking_ > _Add Bank or Credit Card_ > _ICICI Bank_.

Once you have set up direct feeds, Zoho Books will fetch your bank feeds and you will be able to reconcile bank statements. To reconcile transactions:

*   Navigate to the _Banking_ module and select an _ICICI Bank account_.
*   Bank feeds will refresh automatically when you log in.
*   Go to the _Uncategorised Transactions_ tab and the bank statements will be listed below.

**Note:** The fetched bank feeds will not include today’s data. If you refresh your feeds today (say, 2/9/2020), you will be able to fetch the bank feeds only till yesterday (1/9/2020).

*   Select a transaction and Zoho Books automatically prompts the **Exact Match** for you.
*   Click the **Match** button to match a transaction.

**Note:** If you have not migrated to ICICI Bank Direct Feeds, you will be prompted to switch your bank feeds to the direct feed integration. Direct feed integration helps you to receive feeds quickly without any third party interference and find exact matches for your transactions.

### Disable the Integration

If you want to stop making payments via your ICICI Bank account from Zoho Books or change your account details, you can disable the integration.

**Warning:** Disabling the integration in Zoho Books will disable it from other integrated Zoho Finance applications as well. Once disabled, you will not be able to track the status of any uncleared transactions. The direct feed integration will also be deactivated along with the payments integration.

To disable:

*   Go to _Settings_, and click _Vendor Payments_ under _Online Payments_.
*   Click **Disable** next to _ICICI Bank_.
*   Read the terms and click the option **I understand, disable my integration**.

**Note:** Deleting your Zoho Books organisation or removing the user who set up the integration, will disable the integration.

**Pro Tip:** You can receive online payments from customers by integrating Zoho Books with [ICICI Bank eazypay.](https://www.zoho.com/books/help/integrations/eazypay.html)

Bring banking and accounting under one roof with the [ICICI Bank integration.](https://www.zoho.com/in/books/icici-integration/)

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