Zoho focuses on building apps that work temporarily.
They are bad. truly bad. their payment gate is failing for the last 6 months. I tried to call, tried to email. but 0 responce. They have now 5 days, or I will migrate to their direct compatitotr. Or even do all within my codebase. Buttom line. Zoho cannot be trusted as 3rd party. and guess what the issue is! their payment gateway fails to update my credit card.