Your bank SMS already has the data.
Now it goes straight to Zoho Books.
Indian shop owners receive dozens of UPI payments daily — each one an SMS, each one re-typed into accounting software by hand. PayMyQR Connect eliminates that entirely. It reads every credit from your bank SMS, attaches the merchant name and spending category it already knows, then pushes your complete verified ledger directly into Zoho Books with one tap.
The problem
How Indian retailers handle UPI accounting today — and why it breaks
Monthly CSV ritual
Download bank statement → upload to Zoho → manually tag 200+ UPI lines. Every. Single. Month. 2–4 hours of work that produces zero business value.
Bank feeds strip merchant data
Zoho's Yodlee bank feed gives you UPI/CR/9876543210@paytm. No payee name, no category, manual rules still needed for every transaction type.
Zoho's native UPI is invoice-only
Zoho's built-in UPI auto-match works only when you pre-create a Zoho invoice. Walk-in QR payments on your counter — the majority of retail UPI volume — are completely invisible to it.
What it is
PayMyQR Connect · Zoho Books
PayMyQR already reads your bank SMS in real time — every UPI credit, NEFT, IMPS, and RTGS — and stores each one as a verified, categorized, merchant-named transaction in your on-device financial ledger.
Zoho Books connect adds one step: take that verified ledger for any date range and any bank account, and post it directly to your Zoho Books bank account transactions via a secure backend-mediated OAuth connection. No spreadsheets. No API keys on your device. No Zoho password in the app.
How it works
Three steps. No CSV. No spreadsheet. No repeat work.
SMS lands → ledger
Bank SMS arrives. PayMyQR parses amount, type (debit/credit), merchant name, and reference number — storing it in your local ledger with a spending category already assigned, instantly, in the background.
Authorize once → connected
Tap "Connect Zoho Books" in the integrations screen. You go to Zoho's own login page — PayMyQR never sees your password. An encrypted token is stored on our Cloudflare Worker, bound to your device session.
Select period → push
Pick a bank account, choose a date range, select the matching Zoho Books bank account, tap export. Transactions post in the background — enriched, deduplicated, categorized. Re-running is always safe.
What you get
Built for Indian retail, not enterprise IT departments
Merchant-enriched entries
Zoho Books receives "Swiggy Instamart — food delivery" not "UPI/CR/923456." Every entry tells a story that a bank feed never could.
Duplicate-safe export
Transaction IDs are used as Zoho reference numbers. 409 duplicate conflicts are silently skipped — always idempotent, re-run any period without fear.
Zero credential exposure
OAuth flow via Cloudflare Worker. AES-GCM token vault. Only a 30-day session JWT on your phone — Zoho client secrets never reach Android.
Self-transfer excluded
Transfers between your own accounts are automatically excluded to prevent double-entry pollution. Cleanly handled without any configuration.
All Indian banks
SMS-based — works for HDFC, SBI, Axis, ICICI, Kotak, IDFC, YES, IDBI, and any bank that sends payment SMS alerts. No Yodlee, no screen scraping.
Any date range
Push a week, a month, or backfill three months in one export. The job runs in the background — no waiting in the app while it posts.
How it's different
Three paths to Zoho Books. One actually works for shop floors.
Time and effort saved
For a shop processing 150 UPI payments a month
Requirements
What you need to get started
PayMyQR ProMax
Active ProMax subscription on your device. The Zoho Books integration is exclusively available to ProMax subscribers.
Zoho Books account
Any Zoho Books plan — Free, Standard, or Professional. You do not need Zoho Standard for the bank feed. Any plan works.
Bank SMS access
PayMyQR SMS read permission on your Android device — already granted for existing PayMyQR users.
Stop doing what a machine can do better.
Upgrade to ProMax, connect your Zoho Books account once via OAuth, and let every UPI credit — enriched, categorized, deduplicated — find its own way into your books.