Indian businesses seek AI-driven payment gateways, Zoho survey finds

A survey conducted by Zoho reveals that 78% of Indian businesses would switch their primary payment gateway if a provider offered superior artificial intelligence capabilities. The findings, from the Indian Merchant Payment Survey 2026, indicate that businesses are increasingly seeking AI to enhance fraud detection, automate reconciliation, and reduce payment failures.

According to the survey of over 700 businesses, approximately 60% are already utilizing AI in their payment operations, while another 20% are currently evaluating such technologies. Key expectations for AI-driven features include smart payment routing and anomaly detection.

Sivaramakrishnan Iswaran, CEO of Zoho Payment Technologies, noted that businesses now require payment infrastructure that is not only fast and reliable but also intelligent and deeply integrated with accounting and ERP systems.