Businesses in India have more options than ever for collecting recurring and scheduled payments. Payment platforms now support UPI AutoPay, recurring invoices, payment links, subscriptions, APIs and automated payment collection.

Two platforms that businesses may consider are SlashCollect and Zoho Payments.

Both can help businesses automate recurring payments, but they are built with different product philosophies.

Zoho Payments is a broader payment platform that supports online payments, recurring payments, payment links, payouts and integrations across the Zoho ecosystem.

SlashCollect is focused specifically on the collection lifecycle: setting up payment plans, collecting recurring and instalment payments, monitoring collection status, recovering failed payments, reconciling collections and reducing the operational effort involved in payment follow-ups.

So the important question isn't simply:

"Does Zoho Payments or SlashCollect support UPI AutoPay?"

Both do.

The more useful question is:

"Which platform is better suited to the way my business manages recurring and scheduled collections?"

This guide compares SlashCollect and Zoho Payments across payment methods, recurring payments, collection workflows, recovery, reconciliation, integrations, use cases and pricing.

SlashCollect vs Zoho Payments at a glance

Note: Product features and availability can change. The comparison above is based on publicly available product information reviewed in October 2026. Where a feature is not explicitly listed by a provider, it has not been treated as proof that the provider cannot support it.

What is SlashCollect?

SlashCollect is a payment collection platform designed for businesses that need to collect recurring, scheduled and instalment-based payments.

The platform currently supports recurring collections through UPI AutoPay and eNACH, while also supporting one-time payments through cards, net banking and other payment methods.

SlashCollect focuses on the collection lifecycle rather than only the payment transaction.

A typical workflow is:

Customer onboarding → Payment plan → Mandate approval → Scheduled collection → Payment tracking → Retry/recovery → Reconciliation → Reporting

The platform also connects with existing business systems including Tally, Zoho, CRMs, LMS platforms, Excel and custom software.

SlashCollect positions its workflows for businesses collecting fees, EMIs, subscriptions, memberships, rent and B2B payments.

What is Zoho Payments?

Zoho Payments is Zoho's payment platform for businesses in India.

It supports online payments through:

• UPI

• Cards

• Net banking

• Wallets

• Bank transfers

• UPI AutoPay

It also provides recurring payments, payment links, embedded checkout, split payments and payouts.

Zoho Payments can be used independently; businesses do not have to be existing Zoho customers to accept payments through it.

However, its deeper integration with products such as Zoho Books and Zoho Billing can be particularly useful for businesses already operating inside the Zoho ecosystem. Zoho currently allows recurring invoices and subscriptions to use Zoho Payments for scheduled collections.

SlashCollect vs Zoho Payments: The biggest difference

The biggest difference is product focus.

Zoho Payments

Zoho Payments is primarily a payment platform with recurring-payment capabilities.

It helps businesses:

• Accept online payments

• Create payment pages

• Accept UPI

• Accept cards

• Accept net banking

• Accept wallets

• Accept bank transfers

• Create UPI mandates

• Execute recurring payments

• Manage payment records

• Integrate with Zoho Finance applications

• Use APIs for payment workflows

SlashCollect

SlashCollect is built specifically around payment collection operations.

The platform combines:

• Payment plans

• UPI AutoPay

• eNACH

• Recurring collections

• Instalment collections

• Collection monitoring

• Failed-payment recovery

• Automated follow-ups

• AI-assisted collection workflows

• Reconciliation

• Collection analytics

In simple terms:

Zoho Payments helps businesses process and automate payments.

SlashCollect is built around managing the collection process around those payments.

UPI AutoPay: SlashCollect vs Zoho Payments

This is one area where both platforms overlap significantly.

Zoho Payments currently supports UPI AutoPay mandates.

Customers can authorize a recurring payment arrangement through their UPI app. Once the mandate is created, future payments can be collected according to the agreed schedule.

Zoho currently supports:

• Mandate creation

• Recurring payment schedules

• Payment notifications

• Scheduled collections

• Failed execution handling

• Mandate tracking

• APIs

SlashCollect also supports UPI AutoPay as part of its recurring collection workflow.

Therefore, UPI AutoPay itself is not the main differentiator between the two platforms.

The difference is what happens around the payment.

eNACH: SlashCollect vs Zoho Payments

SlashCollect currently supports eNACH alongside UPI AutoPay for recurring collection workflows.

Zoho Payments' current recurring-payment documentation focuses on UPI mandates / UPI AutoPay. Its current public payment-method documentation lists UPI, cards, net banking, wallets and bank transfers, with UPI AutoPay included under UPI.

This means businesses considering both platforms should specifically evaluate the payment rails they require.

If your collection strategy requires both UPI AutoPay and eNACH, this is an important distinction to discuss with the respective provider before implementation.

Payment plans and instalments

Recurring payments aren't always subscriptions.

A business might need to collect:

• ₹20,000 over four instalments

• ₹10,000 every month for six months

• Monthly tuition fees

• Course fees

• EMI-style repayments

• Membership fees

• Scheduled invoices

SlashCollect's product is designed around these kinds of recurring and instalment-based collection workflows. Its website describes creating a payment plan by choosing the amount, frequency and schedule before the customer approves the arrangement.

Zoho Payments also supports recurring and scheduled payment use cases, including subscriptions, EMIs, instalments and scheduled bills.

The difference is therefore less about whether scheduled payments are possible and more about how deeply the business wants the collection workflow integrated into its operations.

Failed payments and recovery

Recurring payments don't always succeed on the first attempt.

A customer's account may not have sufficient funds, a mandate execution may fail or another payment issue may occur.

Zoho Payments currently provides a retry path for failed mandate payments and allows teams to track payment status and mandate records.

SlashCollect also positions failed-payment recovery as a core part of its product.

Its current website specifically describes retry logic if a payment fails and intelligent recovery workflows.

The difference is that recovery is part of SlashCollect's broader collection workflow rather than being simply one feature inside a payment platform.

AI-powered payment collections

This is an area where SlashCollect takes a different approach.

SlashCollect currently describes collection workflows that can adapt based on payment status, customer behaviour and response.

The platform says its workflows can move from automated reminders to AI calling, negotiation and human intervention when required.

This is designed for situations where simply retrying a payment isn't enough.

For example:

Payment due → reminder → payment fails → automated follow-up → AI calling → customer response → further action → payment recovery

Zoho Payments' current product pages focus on payment processing, recurring mandates, notifications, scheduled executions, retries and payment tracking. They do not position AI calling or AI-led collection negotiations as a core Zoho Payments feature.

Therefore, businesses that need a collection-recovery layer beyond payment execution should evaluate this difference carefully.

Reconciliation and reporting

Both platforms provide visibility into payment activity.

Zoho Payments provides dashboards, payment records and mandate tracking. Its Mandates module allows teams to monitor mandate activity, payment status, customer details and collected payments.

SlashCollect positions reconciliation as a core part of its collection stack, alongside payment plans, recovery and reporting.

For businesses with a large number of customers and payment schedules, the relevant question is not just:

"Can I see transactions?"

It is:

"Can my finance and operations team understand exactly what was due, what was collected, what failed, what was recovered and what remains outstanding?"

This distinction becomes particularly important for education, lending and other businesses with large numbers of recurring customer payments.

Zoho ecosystem vs SlashCollect integrations

This is one area where Zoho Payments has a natural advantage.

Zoho Payments is part of the broader Zoho ecosystem.

Businesses using products such as:

• Zoho Books

• Zoho Billing

• Zoho CRM

• Zoho Commerce

can integrate payments into existing Zoho workflows.

Zoho currently documents recurring payment flows through Zoho Finance applications such as Zoho Books and Zoho Billing.

Zoho Payments can also be used through APIs as a standalone payment layer.

SlashCollect takes a different approach.

It is designed to connect with the systems a business already uses, including Tally, Zoho, CRMs, LMS platforms, Excel and custom software.

So the choice can depend heavily on the existing technology stack.

If you're already deeply embedded in Zoho

Zoho Payments may fit naturally into your existing workflow.

If your main problem is collection operations

SlashCollect is designed specifically around that problem.

Payment methods

Zoho Payments currently supports:

• UPI

• Cards

• Net banking

• Wallets

• Bank transfer

• UPI AutoPay

SlashCollect currently supports recurring collections through UPI AutoPay and eNACH and accepts one-time payments through cards, net banking and 100+ payment methods.

Businesses should therefore compare not only payment-method count but also which payment methods are needed for the actual collection workflow.

Zoho Payments pricing vs SlashCollect pricing

Pricing needs careful comparison because the two products can have different commercial structures.

Zoho Payments currently publishes its pricing publicly.

Its India pricing page currently lists:

• UPI: 0.5%

• Domestic cards: 2%

• Net banking: 2%

• UPI AutoPay mandate enrollment: ₹7.50

• UPI AutoPay mandate execution: ₹5 for transactions up to ₹1,000

• UPI AutoPay mandate execution: ₹15 for transactions above ₹1,000

GST is applicable where stated on the pricing page. Zoho also states that there are no setup or annual fees.

For SlashCollect, pricing can depend on the business, collection volume, use case and commercial arrangement.

This means businesses should compare:

Payment processing cost + platform fee + mandate cost + recovery cost + operational cost

rather than comparing only one percentage.

For a business collecting thousands of recurring payments, even a small difference in per-transaction economics can become significant.

SlashCollect vs Zoho Payments for education

Education is a particularly interesting comparison.

An institute may need to collect:

• Admission fees

• Course fees

• Monthly instalments

• Semester fees

• Training fees

• Outstanding payments

Zoho Payments currently lists education among its supported industries and supports recurring payments through UPI AutoPay.

SlashCollect is also designed around education collection workflows.

Its current product positioning specifically covers education businesses and supports recurring collection through UPI AutoPay and eNACH.

For an education business, the decision should therefore focus on:

• Student-level collection tracking

• Instalment schedules

• Failed-payment recovery

• Reminders

• Reconciliation

• LMS/ERP integration

• AI-assisted follow-up

• Reporting

• Payment rails

rather than simply asking whether the platform supports UPI.

SlashCollect vs Zoho Payments for SaaS and subscriptions

For a SaaS or subscription business, both platforms can support recurring payments.

Zoho Payments is particularly relevant if the company already uses Zoho Billing or other Zoho Finance applications.

Zoho documents recurring invoices and subscriptions connected to Zoho Payments, allowing customers to authorize mandates and future payments to be executed according to the recurring schedule.

SlashCollect can also be used for recurring payments and subscriptions, but its broader product focus is collection automation.

This distinction can matter when a company moves beyond billing and starts dealing with:

• Failed payments

• Recovery

• Customer follow-ups

• Collection operations

• Reconciliation

• Multiple collection workflows

SlashCollect vs Zoho Payments for NBFCs and lenders

Lending businesses have a different collection problem from a typical SaaS company.

They may have:

• Thousands of borrowers

• Scheduled repayments

• Failed debits

• Overdue accounts

• Collection teams

• Recovery workflows

• Reconciliation requirements

SlashCollect is designed to support recurring and scheduled collection workflows across industries, including lending-related collection use cases.

Zoho Payments supports recurring payment use cases such as EMIs and scheduled bills through UPI mandates.

For a regulated lender, however, payment technology is only one part of the technology stack. Businesses should independently evaluate compliance, integrations, borrower-management requirements and collection policies before selecting a provider.

When Zoho Payments may make sense

Zoho Payments can be a natural fit for businesses that:

• Already use Zoho Books or Zoho Billing

• Want a general payment platform

• Need online payment acceptance

• Need payment links

• Need UPI AutoPay

• Need recurring invoices

• Want payment APIs

• Prefer a broader payment ecosystem

• Want publicly listed pricing

Zoho's recurring-payment offering currently covers mandate creation, notifications, scheduled execution, failed-payment handling and mandate tracking.

When SlashCollect may make sense

SlashCollect may be relevant for businesses where collections themselves are a major operational function.

For example:

• Education institutes

• Coaching businesses

• EdTech companies

• Training institutes

• Subscription businesses

• Membership businesses

• NBFCs

• MFIs

• Credit societies

• Businesses with recurring B2B collections

SlashCollect is built around payment plans, automated collection, failed-payment recovery, reconciliation and collection workflows rather than treating recurring payments as one capability inside a broader payments product.

The simplest way to think about SlashCollect vs Zoho Payments

Zoho Payments

Payments + recurring payments + Zoho ecosystem

SlashCollect

Payment collection + recovery + reconciliation + collection automation

There is significant overlap.

Both can support recurring payments.

Both support UPI AutoPay.

Both can be integrated into business workflows.

Both can support businesses with scheduled payment requirements.

The difference is the layer of the problem each platform is primarily designed to solve.

SlashCollect vs Zoho Payments: Feature comparison

Feature availability and implementation can vary by account, product, payment method and use case. Verify current details with each provider before implementation.

Which is better: SlashCollect or Zoho Payments?

There isn't one universal answer.

The two products overlap, but they approach payment collection from different directions.

Zoho Payments is a broad payment platform with recurring-payment capabilities. Its integration with Zoho Books, Zoho Billing and the wider Zoho ecosystem can be particularly relevant for businesses already operating on Zoho.

SlashCollect is focused more specifically on the collection lifecycle, including payment plans, UPI AutoPay, eNACH, recovery, reconciliation and AI-assisted collection workflows.

The right choice depends on whether the primary requirement is payment processing within a broader business software ecosystem or a dedicated collection workflow for recurring and scheduled payments.

Frequently Asked Questions

Is SlashCollect better than Zoho Payments?

The two platforms serve overlapping but different needs. Zoho Payments is a broad payment platform with recurring-payment capabilities, while SlashCollect is focused specifically on payment collection workflows, including recurring collections, recovery, reconciliation and AI-assisted collection operations.

Does Zoho Payments support UPI AutoPay?

Yes. Zoho Payments currently supports UPI AutoPay mandates for recurring payments.

Does SlashCollect support UPI AutoPay?

Yes. SlashCollect currently supports UPI AutoPay for recurring collections.

Does SlashCollect support eNACH?

Yes. SlashCollect currently supports eNACH alongside UPI AutoPay.

Does Zoho Payments support eNACH?

Zoho Payments' current public recurring-payment documentation focuses on UPI mandates and its current payment-method documentation does not list eNACH as a recurring-payment method. Businesses requiring eNACH should confirm the latest availability directly with Zoho Payments.

Can Zoho Payments collect monthly payments?

Yes. Zoho Payments supports recurring payment schedules through UPI mandates and integrates recurring payments with Zoho Finance applications.

Can SlashCollect collect monthly payments?

Yes. Monthly recurring payments are one of SlashCollect's core use cases. The platform allows businesses to define an amount, frequency and collection schedule.

Does Zoho Payments support payment APIs?

Yes. Zoho Payments provides APIs for recurring mandates and payment workflows.

Can SlashCollect integrate with Zoho?

Yes. SlashCollect currently states that it can connect with Zoho alongside Tally, CRMs, LMS platforms, Excel and custom software.

Does Zoho Payments require Zoho Books?

No. Zoho states that Zoho Payments can be used as a standalone solution without being an existing Zoho customer.

Does Zoho Payments have setup fees?

Zoho currently states that it does not charge setup or maintenance fees. Its published pricing is transaction/platform-fee based.

What does Zoho Payments charge for UPI AutoPay?

Zoho's current India pricing lists a ₹7.50 mandate enrollment fee and ₹5 execution fee for transactions up to ₹1,000 and ₹15 for transactions above ₹1,000, with additional platform-fee rules for certain payment methods. GST is applicable where specified.

Is SlashCollect a payment gateway?

SlashCollect is positioned as a payment collection platform rather than simply a conventional payment gateway. It focuses on recurring and scheduled collections, payment plans, recovery, reconciliation and collection workflows.

Which platform is better for education fee collection?

Both can support recurring payment use cases, but the appropriate choice depends on the institute's collection workflow, integrations, payment rails, recovery requirements and operational needs. SlashCollect specifically positions its platform around collection workflows, while Zoho Payments provides education payments as part of its broader payments offering.

Final comparison

SlashCollect and Zoho Payments are not completely different products.

Both support businesses that need to collect recurring payments.

Both support UPI AutoPay.

Both provide APIs and payment-management capabilities.

The important distinction is what sits around the payment.

Zoho Payments provides a broad payments layer with online payments, recurring payments, UPI AutoPay, payment links, payouts and deep integration with the Zoho ecosystem.

SlashCollect focuses on the broader collection lifecycle: payment plans, recurring collections, eNACH, payment tracking, failed-payment recovery, reconciliation and AI-assisted collection workflows.

For a business already deeply integrated with Zoho, Zoho Payments can provide a natural payment layer within that ecosystem.

For a business whose primary challenge is collecting recurring or instalment payments with less manual operational work, SlashCollect provides a collection-focused approach.

The best way to evaluate the two is therefore not simply by asking which platform processes a payment.

Ask:

Who manages the payment plan?

Who tracks what is due?

What happens when a payment fails?

How is the payment recovered?

How is the collection reconciled?

How much manual work remains for the operations team?

Those questions reveal the practical difference between a payment platform and a dedicated payment collection platform.

Information & research note

This page is based on publicly available product information and documentation reviewed in October 2026, including current product, pricing, help and developer documentation, along with customer-feedback and market-research themes. Payment products, features, pricing, payment methods, transaction limits, integrations and commercial terms can change over time. Information about Zoho Payments and SlashCollect should therefore be independently verified with the respective provider before making a purchasing or implementation decision.