Point of Sale (POS)

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Zoho Payments enables businesses to accept in-person payments through POS devices, providing a seamless checkout experience for customers at physical locations. Whether a customer taps their card, swipes it, inserts it into the terminal, or scans a UPI QR code, Zoho Payments processes each transaction securely through the acquiring bank and confirms the result in real time.

Supported Configurations

Zoho Payments POS devices can be used in two ways depending on your business setup.

Standalone Terminal

The POS device operates as a standalone payment device. The cashier initiates a payment directly on the device, the customer completes the transaction, and Zoho Payments records the result in real time. No external system or API integration is required.

Billing Application Integration

If your business uses a custom billing system, you can integrate it with the POS device via the Zoho Payments API. Your billing server creates payment sessions, sends them to the device for customer authentication, and polls for the transaction status until the payment is confirmed as succeeded or failed.

Learn more about Billing Application Integration →

Transaction Flow at the Terminal

Regardless of the integration type, the following steps occur on the POS device once a payment is ready to be processed.

Payment Summary Screen

Before the customer initiates payment, the POS device screen displays a summary of the transaction for verification. This ensures the cashier and customer are aligned on the amount being charged. The details shown include:

• Payment ID: The unique identifier for the transaction.
• Batch No.: The settlement batch number.
• Date & Time: The timestamp of the transaction.
• Invoice No.: The merchant invoice reference.
• Transaction Type: The payment method used (e.g., UPI QR Payment, Card).
• Amount: The total payable amount for the transaction.

Customer Payment

The customer completes the payment using their preferred method: inserting or tapping a card, scanning a UPI QR code displayed on the device. The POS device securely forwards the authorization request to the payment processor. Once the processor responds with an approval or decline, the device updates the payment status accordingly. This entire flow happens in real time and typically completes within a few seconds.

Receipt

Once the payment is successfully authorized, the POS device displays options to print a Merchant Copy and a Customer Copy of the receipt. The receipt includes:

• Merchant name
• Date and time
• Merchant ID (MID)
• Terminal ID (TID)
• Batch number
• Invoice number
• Payment type (e.g., UPI QR Payment)
• Reference number
• Transaction ID (TXN ID)
• Total amount

If the payment fails, no receipt is printed, and the device displays the failure reason to the cashier.

Void Transactions

A void reverses an authorized payment before end-of-day settlement. Since the transaction is still part of the open settlement batch, the authorization is reversed and the customer’s funds are released without creating a separate refund. The merchant initiates a void from the POS device using the original invoice number, and the transaction status is updated to VOIDED.

A void can be performed only when all of the following conditions are met:

• The payment status is SUCCESS.
• The settlement status is UNSETTLED.
• The transaction has not already been voided or refunded.
• The acquirer supports void operations within the allowed time window.