The Zoho Arattai payments feature signals Zoho’s intent to turn Arattai from a quiet, privacy-focused messenger into a practical daily-use app. In India, the moment a chat app adds payments, comparisons with WhatsApp Pay and UPI apps become unavoidable. But feature parity alone doesn’t win users. Trust, reliability, and clarity of use do.
Arattai’s move is less about flashy adoption and more about controlled, professional-grade execution. If you understand how it works—and what it deliberately doesn’t try to be—you can decide whether it deserves a place alongside your existing payment apps.
What’s New in the Zoho Arattai Payments Feature
The Zoho Arattai payments feature brings in-chat payments designed for simplicity and reduced friction.
What’s new:
• Send and receive money within chats
• Clean transaction view inside conversations
• Minimal prompts and confirmations
• Focus on peer-to-peer transfers
The goal is to keep payments contextual—money moves where conversations already happen.
How It Works: A Simple User Guide
Arattai’s payments are designed to feel familiar to anyone who uses UPI.
Basic flow:
• Open a chat
• Choose the payment option
• Enter amount and confirm
• Complete via UPI authentication
There’s no need to jump between apps, which saves time for quick settlements and shared expenses.
UPI Integration: What You Should Expect
UPI integration is the backbone of adoption in India. Without it, payments won’t scale.
What UPI integration likely offers:
• Bank-to-bank transfers
• Standard UPI limits and protections
• Familiar authentication steps
• Compatibility with major banks
If reliability matches existing UPI apps, Arattai clears the first hurdle.
Privacy: Zoho’s Biggest Differentiator
Privacy is where Zoho positions itself strongly—and where Arattai tries to stand apart.
Privacy positives:
• No ad-driven data usage
• Clearer separation between chat data and payments
• Enterprise-grade security culture
For users wary of social platforms monetising behaviour, this matters.
How It Compares to WhatsApp Pay
WhatsApp Pay benefits from scale. Arattai benefits from intent.
Key differences:
• WhatsApp Pay thrives on network effects
• Arattai targets controlled, clutter-free use
• WhatsApp integrates socially; Arattai integrates functionally
Neither replaces the other perfectly. They serve different user mindsets.
Alternatives You Should Still Keep
Arattai payments don’t need to replace your existing setup.
You should still keep:
• A primary UPI app for reliability
• A banking app for statements and controls
• Arattai for contextual payments
Using Arattai as a secondary layer makes the most sense initially.
Who Should Use Zoho Arattai Payments
This feature fits specific users best.
Ideal users include:
• Zoho ecosystem users
• Small teams splitting expenses
• Privacy-conscious individuals
• Users tired of cluttered apps
If you value simplicity over reach, Arattai fits naturally.
Where It May Fall Short
Being realistic prevents disappointment.
Possible limitations:
• Smaller user base initially
• Limited merchant acceptance
• Fewer integrations compared to UPI giants
These are adoption issues, not technical failures—but they matter.
Is It Safe to Trust Arattai for Payments
Trust builds over time, but Zoho starts with credibility.
Safety signals:
• Established enterprise reputation
• Conservative rollout approach
• Focus on compliance and controls
That said, avoid parking large balances until the ecosystem matures.
What Will Decide Adoption in India
The Zoho Arattai payments feature will succeed or stall based on execution.
Key adoption drivers:
• Transaction success rates
• Ease of onboarding
• Clear dispute resolution
• Consistent performance
One failed payment can undo weeks of goodwill.
Conclusion
The Zoho Arattai payments feature isn’t trying to disrupt India’s payment landscape overnight. It’s trying to quietly earn trust by doing fewer things well. For users who value privacy, clarity, and focused functionality, Arattai payments make sense as a companion—not a replacement.
Adoption will depend less on marketing and more on reliability. If Zoho delivers that, Arattai could become a serious alternative for a specific, loyal audience.
FAQs
What is the Zoho Arattai payments feature?
It allows users to send and receive money directly within Arattai chats.
Does Arattai use UPI for payments?
Yes, it is designed around UPI-style bank transfers.
Is Arattai safer than WhatsApp Pay?
Arattai emphasises privacy, but both rely on UPI security standards.
Who should use Arattai payments?
Zoho users, small teams, and privacy-focused individuals.
Can Arattai replace UPI apps completely?
Not yet. It works best as a complementary option.