PaySec + Zoho: Eliminate Processing Fees Across Your Entire Zoho Ecosystem
How businesses running Zoho Books, Zoho Invoice, and Zoho CRM are using PaySec's Network Offset Pricing to stop paying credit card processing fees.
Zoho's ecosystem offers an impressive all-in-one business suite — CRM, accounting, invoicing, inventory, and more. With over 55 integrated apps, Zoho gives businesses a unified platform at a fraction of the cost of enterprise alternatives.
But Zoho Payments (or third-party processors connected to Zoho) still charges standard processing rates on every card transaction. PaySec's Zoho integration eliminates that cost entirely.
Processing Fees in the Zoho Ecosystem
Whether you're collecting payments through Zoho Books, Zoho Invoice, or Zoho Commerce, standard processing rates apply:
| Zoho Payment Channel | Typical Rate |
|---|---|
| Zoho Books (invoice payments) | 2.9% + $0.30 |
| Zoho Invoice (standalone) | 2.9% + $0.30 |
| Zoho Commerce (online store) | 2.9% + $0.30 |
| Zoho Subscriptions (recurring) | 2.9% + $0.30 |
Example: IT services company using Zoho One
| Channel | Monthly Collections | Monthly Fees | Annual Fees |
|---|---|---|---|
| Zoho Books (invoices) | $45,000 | $1,335 | $16,020 |
| Zoho Subscriptions | $18,000 | $537 | $6,444 |
| Total | $63,000 | $1,872 | $22,464 |
How PaySec Connects to Zoho
Zoho Books Integration
PaySec integrates with Zoho Books for invoice-based payment collection:
- Invoice payments: Add PaySec payment links to Zoho Books invoices
- Dual pricing display: Customers see ACH price and card price on the payment page
- Auto-reconciliation: Payments match to invoices and record in Zoho Books
- Bank feeds: PaySec deposits appear in connected bank accounts for reconciliation
Zoho CRM Integration
For sales teams using Zoho CRM:
- Payment links in deals: Attach PaySec payment links directly to CRM deals
- Deal-to-invoice flow: When deals close, invoices with PaySec payment options generate automatically
- Payment status tracking: CRM records update when payments are received
- Commission calculations: Full payment received (no fee deduction) for accurate commission tracking
Zoho Subscriptions
For recurring billing managed through Zoho Subscriptions:
- Network Offset Pricing applied to each billing cycle
- Subscribers see both payment options at signup
- Card pricing consistent throughout subscription lifecycle
- ACH option available for lower-price preference
Customer Payment Experience
When a client receives a Zoho Books invoice with PaySec:
| Payment Option | Amount (on $3,000 invoice) |
|---|---|
| ACH/Bank Transfer | $3,000.00 |
| Credit/Debit Card | $3,120.00 |
Professional payment page branded to your business. Client selects their preference, pays, done.
Who Benefits Most
IT and Technology Services
MSPs, development shops, and IT consultants billing monthly retainers and project work through Zoho Books. Typical savings: $10,000-$30,000/year.
Marketing Agencies
Agencies managing clients through Zoho CRM and billing through Zoho Books. Retainer billing across 10-50 clients generates substantial fee volume.
Professional Services
Accountants, lawyers, consultants using Zoho's practice management workflow. High-value invoices mean high per-transaction fees eliminated.
SaaS Companies
Businesses using Zoho Subscriptions for customer billing. Processing fees compound across the entire subscriber base every month.
Savings Calculator
| Monthly Collections | Current Fee (2.9%) | With PaySec | Annual Savings |
|---|---|---|---|
| $20,000 | $580 | ~$0 | $6,960 |
| $50,000 | $1,450 | ~$0 | $17,400 |
| $100,000 | $2,900 | ~$0 | $34,800 |
| $200,000 | $5,800 | ~$0 | $69,600 |
Zoho Features That Still Work
| Feature | Status with PaySec |
|---|---|
| Zoho Books invoicing | Fully compatible |
| Zoho CRM deal flow | Integrated |
| Zoho Subscriptions | Supported |
| Zoho Analytics reporting | Unaffected |
| Zoho Inventory | Compatible |
| Client portal | Payment links updated |
| Payment reminders | Still active |
| Multi-currency | USD supported |
| Tax calculations | Unaffected |
| Custom templates | Supported |
Technical Details
| Feature | Specification |
|---|---|
| Zoho Plans | All paid plans supported |
| Connection | OAuth 2.0 / Zoho API |
| Sync | Real-time payment notifications |
| PCI Compliance | Level 1 (PaySec hosted) |
| Payment Methods | Visa, MC, Amex, Discover, ACH |
| Setup Time | Under 30 minutes |
| Sandbox | Available |
Getting Started
- Sign up for PaySec (free to set up, no monthly minimum)
- Connect your Zoho account via OAuth
- Configure payment display preferences
- Update invoice templates with PaySec payment links
- Start collecting payments at zero cost
PaySec supports Zoho One, Zoho Books, Zoho Invoice, and Zoho Subscriptions customers.
PaySec + Zoho: keep the all-in-one simplicity of Zoho's ecosystem and add zero-cost payment processing to complete the picture.