The ability to swipe credit cards
The ability to use a card reader to swipe credit cards. That way I can process my customers quickly and I won't have to use a third party app
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Canter Flutes commented
To clarify: the Zoho Books app should have the ability to process card swipes/chips/taps directly, so it can be connected to an invoice automatically (just like the Zoho Books Invoice link does today). This means having a physical bluetooth card reader, just like Quickbooks Online has (https://quickbooks.intuit.com/payments/mobile/#readers)
Zoho Books could go a long way towards this by enabling in-person credit card transactions by enabling Apple's new Tap-To-Pay system: https://developer.apple.com/tap-to-pay/ . This is the new modern "card swipe" technology, without needing a card reader :)