Zoho Payments

Connect your Zoho Payments account so the chat composer’s ₹ icon can issue real payment links and ship them to your customers as a beautiful interactive WhatsApp message — Pay Now button on top, your hosted Zoho checkout below.

API reference: zoho.com/in/payments/api/v1/payment-links 

What you get

If you also use Zoho Billing for invoices, Splashify already wires that — this integration is only for the payment-link / payment-collection flow.

Prerequisites

• Active Zoho Payments merchant account (zoho.com/in/payments )
• Completed merchant onboarding (KYC + bank verification) — payment links don’t issue against an unverified account
• Splashify WABA connected (Dashboard shows WABA connected)

Setup

1. Get your Zoho Payments Account ID

Zoho Payments dashboard → Settings → API & Webhooks. Copy the Account ID (also called X-com-zoho-payments-accountsid). It looks like a 14-digit number.

2. Create a Zoho Self-Client and get the OAuth triple

Zoho Payments uses Zoho’s standard OAuth 2.0. Access tokens expire after 60 minutes — Splashify needs a long-lived refresh token so it can mint fresh access tokens automatically. The Self-Client flow gives you all three credentials. Funds collected via these links go to YOUR bank, not ours — these credentials must be from your own Zoho account.

1. Sign in to api-console.zoho.com  with the same Zoho account that owns your Zoho Payments merchant.
2. Click Add Client → choose Self Client.
3. After creation, copy the Client ID and Client Secret from the Self Client dashboard. These are long-lived — no expiry.
4. Open the Generate Code tab. In the Scope field paste:

   ZohoPay.payments.CREATE,ZohoPay.payments.READ,ZohoPay.payments.UPDATE

   Time Duration = 10 minutes. Scope Description = anything (e.g. “Splashify Pro payment links”). Click Create.
5. A grant code appears (looks like 1000.xxxxxxxxxxxxxxxx.yyyyyyyyyyyy). Copy it within 10 minutes — it expires.
6. Exchange the grant code for a refresh token via curl:

   curl -X POST 'https://accounts.zoho.in/oauth/v2/token' \
     -d 'grant_type=authorization_code' \
     -d 'client_id=<your-client-id>' \
     -d 'client_secret=<your-client-secret>' \
     -d 'redirect_uri=https://app.splashifypro.com/integrations/zoho/callback' \
     -d 'code=<the-grant-code-from-step-5>'

   The response is JSON containing access_token (1hr lifetime — discard) and refresh_token (long-lived — save this).

Splashify stores your refresh_token encrypted in our database. We use it on every API call to mint a fresh access_token automatically — you don’t have to repeat this exchange. Refreshed tokens are persisted back so the rotation is invisible to you.

3. Create a webhook secret

Zoho Payments dashboard → Settings → Webhooks → + Add Webhook.

Click Save.

4. Connect in Splashify

Open Integrations → Zoho Payments .

Hit Save Changes. From this point on Splashify rotates the access token automatically using your refresh token. Funds collected via every link go straight into your Zoho merchant account / linked bank — Splashify never holds the money.

Sending a payment link

Three ways:

A. From the chat composer

In Messages, open any conversation. Tap the green ₹ icon next to the emoji button. Fill in:

• Amount (₹) — what you want to collect
• Reason / Description — shown to the customer on the Zoho checkout page
• Product (optional) — line-item name on the Zoho receipt
• Gateway — if you have multiple connected, pick Zoho Payments

Hit Send payment link. The platform creates the link via Zoho’s POST /paymentlinks endpoint and ships an interactive WhatsApp message to the customer with a Pay Now button.

B. From the Public API

curl -X POST 'https://apis.splashifypro.com/api/v1/app/payments/links' \
  -H 'Authorization: Bearer YOUR_APP_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "contact_phone": "919876543210",
    "contact_name": "Aditya",
    "amount": 500.00,
    "description": "Order #1234",
    "gateway": "zoho",
    "expires_in_hours": 168
  }'

Returns the link_id, gateway_link_id (Zoho’s paymentlink_id), and the public short_url.

C. As a default

Set Zoho Payments as your default gateway:

curl -X POST 'https://apis.splashifypro.com/api/v1/app/payments/default-gateway' \
  -H 'Authorization: Bearer YOUR_APP_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{"gateway": "zoho"}'

After this every link created without an explicit gateway field uses Zoho.

How the webhook works

Zoho POSTs to /api/v1/webhooks/payments/zoho with a signed payload. Splashify:

1. Reads the raw body before parsing.
2. Verifies X-Zoho-Webhook-Signature (HMAC-SHA256 over the body) against your stored secret. Falls back to X-Zoho-Webhook-Token equality if you set up token-mode auth.
3. Looks up the link by payment_link.paymentlink_id → resolves your user_id.
4. Idempotency-checks via the event_id → skips if already processed (Zoho retries on 5xx).
5. Updates the link status, denormalises into the listing tables, pushes a real-time payment.received event to your WebSocket so the chat UI flips to ✅ without a refresh.

Always 200s back to Zoho on signature pass — internal failures get logged but don’t trigger Zoho’s retry storm.

Variables surfaced from Zoho payloads

When you build templates / chatbot flows on top of Zoho events:

Pricing

Zoho Payments charges per transaction (typically 2% UPI / 2.5-3% cards — check your contract). Splashify Pro doesn’t add a markup on payment-collection — you keep 100% of what Zoho passes through after their cut.

WhatsApp message charges still apply to the interactive message we ship to your customer — see Pricing .

Troubleshooting

For anything else email support@splashifypro.in.