Zoho Payroll UK Pension Providers: Nest, People's Pension and Custom

Zoho Payroll UK Pension Provider Integrations (Nest, People's Pension, and Custom Providers)

Employers looking at Zoho Payroll UK, which launched on 20 October 2026, often ask whether it works with workplace pension providers such as Penfold, Smart Pension, Nest, and The People's Pension. This article sets out where things stand, based on what Zoho said before launch. The launch announcement did not add detail on providers.

Which Pension Providers Are Supported

  • Built in. Zoho Payroll UK comes with built-in configuration for Nest and The People's Pension.
  • Planned. Zoho plans to extend this to other major pension providers. No providers or dates have been announced.
  • Custom providers. Employers can add a pension provider of their own choice if it isn't built in.

What This Means for Penfold and Smart Pension

Neither Penfold nor Smart Pension is confirmed as a built-in provider. If your scheme is with either of them, the current route is to add it as a custom pension provider. Zoho hasn't said how far a custom provider goes beyond setting up the contribution rules, for example whether it produces provider-specific contribution files, so it is worth testing that against your own scheme before you rely on it.

Worth checking: Zoho hasn't specified whether the built-in Nest and People's Pension configuration means a direct submission link to the provider, or pre-set scheme rules within Zoho Payroll. If a direct link matters to you, contact us at zoho@1cloudconsultants.com before you commit.

What Zoho Payroll UK Handles for Workplace Pensions

Zoho Payroll UK assesses employee eligibility and auto-enrols eligible employees into the appropriate workplace pension scheme. It manages contributions across Relief at Source, Net Pay Arrangement, Salary Sacrifice, and RAS Basic Rate Only schemes, with multiple pension groups for different contribution settings, and handles opt-ins, opt-outs, and re-enrolment.

Also asked: is there a bureau version and a free trial? See Zoho Payroll UK for bureaus and free trial. For the full feature list and pricing, see Introducing Zoho Payroll UK.
Need help? 1 Cloud Consultants can help you set up pensions in Zoho Payroll UK and check that your provider is handled the way you need. Email zoho@1cloudconsultants.com or raise a support request.