Yes man, If you are using ZOHO As the Host then You also have to done the Settings at the ZOHO mail Setting.
Just for the Example I set Gmail as SMTP host
This above photo is the Second Attempt…
But in first attempt…Gmail Reject… Because its a unknown application…
Look At the Bellow photo.
After Clicking on the highlighted link portion, Gmail’s allow this Manager Source and TEST mail Gone Successfully as you can see in the 1st Image.
So As per Me You can “Use SSL” and also have to done some settings in ZOHO. I send 2 links for the reference of ZOHO into your personal Message. By this you can set ZOHO SMTP Host in Manager.