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Zoho Checkout is an online payment gateway and payment processor provided by Zoho Corporation to enable businesses to accept payments online. Launched in 2018, Zoho Checkout is tailored for small and medium businesses to allow them to set up payment integrations quickly into their website and start accepting credit card payments immediately.

One of the biggest advantages of Zoho Checkout is the ability to process transactions directly using Zoho Books – Zoho’s accounting software. This deep integration saves time in reconciliation and eliminates the need to manually import order and payment details from the payment gateway into the accounting system. Payments collected via Zoho Checkout get categorized and updated directly within Zoho Books for straightforward bank reconciliations.

For enhancing customer checkout experience, Zoho Checkout provides businesses with a hosted payment page that can be customized with company branding elements like logo, colors and messages. This not only offers customer confidence during checkout but also enables maintaining consistent branding. Businesses can collect payments either via the payment page or integrate Checkout with website and mobile apps through APIs.

Zoho Checkout also provides recurring billing and subscription management capabilities including scheduled payments, subscriptions, installment plans and more. Useful metrics like MRR, LTV, churn rate help businesses assess subscription program performance. Tax calculations can also be automated based on customer location.

With Zoho Checkout’s fraud protection capabilities, risky transactions and chargebacks can be minimized through address verification, payment history tracking, blocklists configuration and risk rules engine. Businesses also get PCI DSS compliance covering data security best practices.

For simplifying collections, Zoho Checkout offers customizable email and SMS payment reminders along with automation rules. Reminders can be scheduled based on payment dates, order values, customer attributes etc. to streamline dunning and reduce unpaid invoices.

With a unified reconciliation dashboard, payment settlement management becomes easier for accountants allowing near real-time verification of payments collected from orders across multiple online storefronts. Payouts can then be tracked against bank transfers.

Designed to serve startups and small companies, Zoho Checkout does not charge any monthly fee or set up costs. Businesses only pay competitive transaction rates starting from 2.0% + $0.30 per successful card transaction. International payments also attract similar rates to facilitate global customer checkouts.

Among hundreds of payment solutions, Zoho Checkout aims to enable fast and efficient payment acceptance targeted for high growth SMBs across digital and brick and mortar channels. Integrations with complementary systems covering orders, billing, accounting, banking aims to create an integrated payments ecosystem meeting every small business need.