## Documentation Index

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

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

# Zoho Payroll – Zoho Payments (Payouts)

Payouts by Zoho Payments helps you deposit salaries directly from Zoho Payroll without having to open or log in to your banking portals. Once you set up your Zoho Payments account and verify it, you’ll get a dedicated payout account to fund and process salary payments securely.

When enabled, you can initiate payroll payments to multiple accounts at once, track transactions, and view payout summaries, all from within Zoho Payroll.

**Note:** Refer to the [Zoho Payments’ pricing page](/in/payments/pricing/?tab=payouts) to know the transaction charges.

**Prerequisites**

*   Ensure you are either the business owner or an authorized person to share business details and set up and manage Zoho Payments.
*   Keep the business details and documents handy to get started with Zoho Payments.

## Create Zoho Payments Account

To get started, you’ll have to create a new Zoho Payments account.

1.  Log in to your **Zoho Payroll** account.
2.  Go to **Settings** in the top-right corner and click **Direct Deposit**.
3.  Click **Setup now** beside **Zoho Payments**.

![Zoho Payroll](/payroll/help/in/integration/connect-zoho-payments.png)

4.  Fill in your business details as required and submit the form.
5.  Check the **I confirm that I am authorized to share business details, set up and manage Zoho Payments** box, and click **Setup Zoho Payments**.
6.  In the **Business Profile** tab, enter your basic business details. Provide the other required business-related details and documents based on the **Business Type** you select.

![Zoho Payroll](/payroll/help/in/integration/zoho-payments-business-profile.png)

7.  In the **Bank Account** tab, provide the details of the bank account from which you will initiate payments.
8.  Review the details on the **Summary** page.
9.  Check the **I agree to the Terms of Service and Privacy Policy of Zoho Payments** option and click **Submit**.

After submitting, you’ll be redirected to **Zoho Payroll** to complete the account verification process.  
Follow the steps to complete your video KYC and upload any additional documents if required.

![Zoho Payroll](/payroll/help/in/integration/zoho-payments-kyc.png)

Once the verification is complete, your account status will change to **Verified**. You can click **Check Status** in the same section to view updates.

**Note:** It may take up to 2–5 business days for a new Zoho Payments account to be verified and activated.

## View Account Details

Once your account is verified, a new Zoho Payments Payout Account (virtual account) will be created.  
You can view the account details in the Zoho Payments section, including your account number, IFSC, and current balance.

This section helps you keep track of your payout account and ensures you have all the information needed to start disbursing funds.

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## Add Mobile Number

After your account is verified, add a **registered mobile number** to securely initiate payroll payments.  
**One-time passwords (OTPs)** will be sent to this number for every payout.

To do this:

1.  Go to **Settings** in the top-right corner and click **Direct Deposit**.
2.  Click **\+ Add Mobile Number** in the **Zoho Payments (Payouts)** section.

![Zoho Payroll](/payroll/help/in/integration/zoho-payments-add-number.png)

3.  Enter your number and verify it using the **OTP** sent to your phone.

![Zoho Payroll](/payroll/help/in/integration/zoho-payments-add-otp.png)

All future salary payments via Zoho Payments will require an OTP sent to this registered number for added security.

This completes your account setup. You can now proceed to add funds to your payout account and initiate payments.

## Transfer Money To Your Payout Account

Before initiating a pay run, ensure your payout account has sufficient funds.

To transfer money:

1.  Copy your account details from the **Zoho Payments - Payouts** section.
2.  Add the Zoho Payments Payout Account as a beneficiary in your bank portal. While adding, include the ZOHOPAY prefix when entering your account number.
3.  Transfer money from your **verified bank account** via IMPS/NEFT/RTGS to this payout account.

**Note:** When you add your Zoho Payments Payout account as a beneficiary in your net banking, do not attempt to verify the beneficiary name. Since this is a virtual account, name verification will fail. Add the account using only the provided account number and IFSC.

![Zoho Payroll](/payroll/help/in/integration/zoho-payments-transfer.png)

4.  Once the transfer is complete, your **updated balance** will appear in the dashboard.

**Note:** Ensure you transfer money only from your verified bank account and use standard IMPS/NEFT/RTGS transfers. Transfers from unverified accounts and unsupported payment methods will be declined.

Once you initiate the transfer, it will be processed by the bank shortly. After the funds are received, the amount will be added to your payout account **within 3 hours**, based on your payment method.

If the amount isn’t credited, contact **[support@zohopayments.com](mailto:support@zohopayments.com)** for assistance.

**Note:** If the funds remain unused in the payout account for more than 7 business days, they will be reversed to your verified bank account.

## Add Employee Bank Details

Before you can disburse salaries, add your employees’ bank account details in Zoho Payroll.

To do this:

1.  Go to the **Employees** module from the left sidebar.
2.  Select an employee or create a **new employee** for whom you want to deposit the salary directly.
3.  For a **new employee**, fill in all profile details, including **Basics**, **Salary**, and **Personal Info**.  
    In the **Payment Info** section, select **Direct Deposit**, enter the bank account details, and click **Save and Continue**.

![Zoho Payroll](/payroll/help/in/integration/payments-bank-account.png)

4.  For an **existing employee**, edit their profile and update the **Payment Info** to **Direct Deposit** with the correct bank details.

![Zoho Payroll](/payroll/help/in/integration/employee-payments-edit.png) ![Zoho Payroll](/payroll/help/in/integration/employee-payments-edit-details.png)

Your employees’ bank account details will now be added.

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## Make Payments via Zoho Payroll

Once your account is verified, you’ve added funds to the payout account, and added employee bank details, you can initiate payroll payments.

To do this:

1.  Go to the **Pay Runs** module.
2.  Generate a new pay run for the desired period and **approve** it.
3.  Click **Initiate Payment** in the top-right corner of the page.
    *   The payment status of the employees will be **Yet to Pay**.
    *   The payment will be initiated only for employees whose payment mode is **Direct Deposit**.

![Zoho Payroll](/payroll/help/in/integration/initiate-zoho-payments.png)

4.  Review the salary details and click **Initiate Payment**.
5.  In the pop-up, choose your **payment account**.
6.  Review the pay run details.
7.  Enter the **OTP** sent to your registered mobile number to authorize the payments.
8.  Check the **Send payslip notification to all employees** option to directly send their payslips.
9.  Click **Make Payment**.

![Zoho Payroll](/payroll/help/in/integration/make-zoho-payments.png)

Zoho Payments will transfer salaries securely from your payout account to each employee’s bank account.  
The payment status will be updated within **30 minutes** of initiating the payment.

**Note:** You can process payments for up to 200 employees per batch. If you have more than 200 employees, you can initiate the payments as multiple batches.

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## Track and Reconcile Payments

The Account Summary section under Zoho Payments (Payouts) lets you track and monitor all your transactions.

You can:

1.  View all **debit** and **credit** transactions of your payout account in the **Statements** tab.
2.  Track every salary payout with statuses such as **Initiated**, **Pending**, **Successful**, or **Failed** in the **History** tab.
3.  **Export** or **download** your statements for audit purposes.

![Zoho Payroll](/payroll/help/in/integration/payments-account-statements.png)

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## Manage User Access

Admins can provide access to other users to initiate payments on the organisation’s behalf.

To do this:

1.  Click **Manage Users** near **Zoho Payments**.
2.  Select the users who need access and click **Add Users** to confirm.

![Zoho Payroll](/payroll/help/in/integration/manage-payments-users.png)

**Note:** To revoke access for users, click Delete in the same pop-up.

Once users have been granted access, they can click **Set Up Now** next to Zoho Payments, enter their mobile number, and verify it using the OTP.

After validation, other users will also be able to initiate payments. Each user will receive OTPs on their registered number to authorise payouts securely.