Overview
PaySwitcher connects Zoho Books to the payment gateway of your choice, so customers can pay invoices online and payments are recorded in Zoho Books automatically. Setup takes a few minutes once your gateway account is approved.
Supported gateways: CHIP, Billplz, toyyibPay, Payex, Xendit, Airwallex and Curlec.
What you get:
- A Pay Now button on every invoice that uses PaySwitcher
- Payments recorded against the invoice, with the gateway and method shown (for example, CHIP - FPX)
- Invoices marked as Paid automatically
- Gateway payouts and processing fees recorded in Zoho Books
- The option to switch gateways at any time with one toggle
Payments go straight from your gateway to your bank. They never pass through PaySwitcher.
Before you begin
You need two things: an active Zoho Books organisation and an approved merchant account with at least one supported gateway.
No gateway account yet? Sign up through the links below. Approval usually needs your SSM registration documents and can take several working days, so start early.
| Gateway | Autopay | Sign up | Good to know |
|---|---|---|---|
| CHIP (recommended) | Autopay: card | Sign up with CHIP | Low FPX fees and daily settlement |
| Billplz | No autopay | Sign up with Billplz | FPX and card payments |
| toyyibPay | No autopay | Sign up with toyyibPay | FPX and card payments |
| Payex | Autopay: FPX Direct Debit | Sign up with Payex | Service ends 31 December 2026 |
| Xendit | Autopay: card (coming soon) | Sign up on Xendit's website | Also supported by PaySwitcher |
| Airwallex, Curlec | Autopay: card | Sign up on each provider's website | Also supported by PaySwitcher |
Keep these ready from your gateway dashboard: your secret key (or API key) and any brand ID or collection ID your gateway requires.
Part 1: Set up PaySwitcher
| 1 |
Step 1: Install and open PaySwitcher. Install PaySwitcher from Zoho Marketplace [link to be added once the listing is approved], then sign in with your Zoho account. The Gateways tab is where you connect your payment gateways. |
| 2 |
Step 2: Add your gateway account. Scroll to Add gateway account and pick your gateway. The label under each gateway shows whether it supports autopay. Enter a label (for example, Main account) and paste the keys from your gateway dashboard. For CHIP, this is your secret key and brand ID. Click Save account. Your keys stay hidden after saving. |
| 3 |
Step 3: Make it the active gateway. Your connected accounts are listed under Your accounts. Switch on Active gateway for the account customers should pay through. Click Test connection to confirm the keys work. |
| 4 |
Step 4: Copy your connector details. Open the Connector setup tab. 1. Under Your Merchant ID, click Copy ID 2. Under Connecter secret, click Generate new secret, then OK 3. Click Copy secret. Keep it somewhere safe until Step 6. It is shown only once. Generating a new one replaces the old one, so you would need to update it in Zoho Books |
It is shown only once. Generating a new one replaces the old one, so you would need to update it in Zoho Books.
Part 2: Link PaySwitcher in Zoho Books
| 1 |
Step 5: Open the PaySwitcher settings in Zoho Books. In Zoho Books, go to Settings > Online Payments > Payment Gateways. Find the PaySwitcher card and click Edit Settings. |
| 2 |
Step 6: Paste your Merchant ID and Connector Secret. In the Edit Gateway Configuration window: 1. Paste your Merchant ID into Merchant ID 2. Paste your Connector Secret into Connector Secret 3. Under Bank Account, choose your gateway's clearing account. Each payout is recorded there 4. Click Save No clearing account yet? In Zoho Books open Accountant > Chart of Accounts > + New Account. Choose Account Type Bank (not Payment Clearing Account, which the card does not list), name it, for example PaySwitcher Clearing, and save. Then choose it as the Bank Account on the PaySwitcher card. |
Part 3: Collect payments
| 1 |
Step 7: Create an invoice. Create an invoice as usual. Under Select an online payment option to get paid faster, tick PaySwitcher, then click Save and Send. Every invoice with PaySwitcher selected gets a Pay Now button. |
| 2 |
Step 8: Your customer clicks Pay Now. Your customer opens the invoice link from your email and clicks Pay Now. |
| 3 |
Step 9: Your customer pays on your gateway. The customer is taken to your gateway's checkout page. They can pay by FPX, card, e-wallet or DuitNow QR, depending on what your gateway offers. |
| 4 |
Step 10: Payment successful. After paying, the customer lands back on Zoho Books with a payment receipt. |
| 5 |
Step 11: The invoice is marked as Paid. PaySwitcher records the payment in Zoho Books and marks the invoice as Paid.You do not need to record anything manually. |
| 6 |
Step 12: Check the gateway and method. Open Payments Received to see each payment with its gateway and method, for example CHIP - FPX. |
Switching gateways and moving from Payex
To switch gateways: add the new gateway account (Step 2), then switch on Active gateway for it (Step 3). New invoices use the new gateway straight away. Your Merchant ID and Connector Secret in Zoho Books stay the same.
Moving from the Payex extension: Payex services end on 31 December 2026. Payex merchants have been asked to migrate to Xendit, but with PaySwitcher you can pick any supported gateway, Xendit included.
| Payex (ending 31 Dec 2026) | PaySwitcher |
|---|---|
| One fixed gateway | Any of 7 supported gateways, switchable anytime |
| Transaction and settlement history stays on the Payex dashboard | New payments recorded straight into Zoho Books, with gateway and method shown |
| Service stops 31 December 2026 | Merchant ID and Connector Secret stay the same once set up, even when switching gateways |
- Sign up for your new gateway early. Xendit, for example, needs fresh KYC documents and can take up to 14 working days to approve a new account (https://help.xendit.co/hc/en-us/articles/60834475959065-How-do-I-migrate-from-Payex-to-Xendit).
- Install PaySwitcher and follow Steps 1 to 6 with your new gateway.
- Untick the old Payex option on your invoices and select PaySwitcher instead.
- Re-send payment links for any open invoices so customers pay through the new gateway.
Payments already recorded in Zoho Books stay as they are. Your Payex transaction and settlement history stays on the Payex dashboard and does not move to the new gateway, so download any reports you need before 31 December 2026.
FAQ and troubleshooting
General
Does money pass through PaySwitcher?
No. Payments go from your gateway straight to your bank account. PaySwitcher only records them in Zoho Books.
Can I connect more than one gateway?
Yes. You can save several gateway accounts, but only one can be the active gateway at a time.
Which gateways support autopay?
Check the label under each gateway in Step 2. Autopay lets customers save a card once so future invoices are charged automatically, up to a limit you set.
Can I test before going live?
Yes. After you connect your live gateway account, send yourself a small invoice (for example RM1) and pay it. Check that the invoice shows as Paid and the payment appears in Payments Received. Then refund it from your gateway dashboard and delete that payment in Zoho Books. We have already tested every gateway in sandbox, so you don't need a sandbox account.
Troubleshooting
The Pay Now button does not appear on my invoice.
Check that PaySwitcher is ticked under the online payment options on that invoice, and that a gateway is set as active in PaySwitcher.
Test connection fails.
Copy the keys again from your gateway dashboard. Make sure you are not mixing sandbox keys with a live account, or the other way round.
I lost my Connector Secret.
Generate a new one in the Connector setup tab, then paste it into Zoho Books under Settings > Online Payments > PaySwitcher > Edit Settings.
Need help?
Our team can set up PaySwitcher for you over a remote session. Email cares@aplikasi.us with your Zoho Books organisation name and the gateway you want to use. For more guides, visit aplikasi.us.