India, Sept. 12 -- AI capabilities, faster settlement and integration with financial systems are emerging as key requirements for payment gateways as businesses in India reassess the infrastructure supporting digital payment operations.

According to Zoho's Indian Merchant Payment Survey 2026, 78% of businesses would consider switching their primary payment gateway if another provider offered the AI capabilities they expect.

The findings, based on responses from more than 700 businesses ranging from MSMEs to large enterprises, indicate that technology capabilities are becoming an important factor in payment gateway selection.

AI-driven fraud detection, smart payment routing and automated reconciliation emerged as the leading capabilitie...