Introducing CardSync: Razorpay’s Ecosystem-wide Saved Card Solution

Card payments are powerful – they offer credit, rewards, and high approval rates. Despite that, they’re often one of the more cumbersome experiences at checkout. Businesses believe that if a customer wants to pay, they will. That intent is enough. But the reality is –  intent often gets lost in friction. Cards today are already saved somewhere – in trusted apps like CRED.  But when buyers reach your checkout, those cards are nowhere to be found. They have to enter their card details again the first time they transact on a new website – even if it’s the same card they’ve used elsewhere.  

What’s missing is a synchronization layer – a way to bridge where cards are saved and where payments happen. Today, we’ve truly reimagined what “saved card” should really mean in a tokenized world.

Built on Device Tokenisation. Powered by Visa. Now Live with CRED.

Introducing CardSync – an ecosystem-wide tokenization solution.

Powered by Visa’s device tokenization, customers can now link their saved CRED cards once and use them, with their consent, seamlessly across all Razorpay-powered business – no re-entering details, no interruptions. It’s a first-of-its-kind experience that lets tokenized/saved cards travel securely across platforms, making repeat payments effortless, even on a brand-new site or app.

For your customers, no more memory tests of entering 16-digit numbers again and again. No-resaving/tokenizing the card. No OTP redirects. 

How It Works 

Here’s how the magic unfolds:

1. A user saves their card on a consumer app like CRED and gives consent to use it across Razorpay-powered businesses. (tokenised and bound to device as per RBI norms)
   
2. At Razorpay checkout, we present eligible saved tokens, always with explicit user consent
   
3. The card syncs pre-filled at checkout – ready for payment
   

The customer pays with their tokenised/saved card via Native OTP – eliminating hops and redirections to bank OTP pages.

All of this happens with zero compromise on compliance and security. Tokens remain securely encrypted and bound to the user’s device, as per RBI guidelines.

1. What is device tokenization?
   

   It’s a payment security solution used in digital payments that transforms how card payments work; wherein a sensitive piece of information, like credit card details, is replaced with a unique, secure, encrypted token that’s stored directly on the user’s device, phone or laptop. Once a card is saved on a trusted app, that token is bound to the device, enabling fast and secure transactions across different brands, all without re-entering card details.

   Razorpay CardSync is built on Visa’s secure tokenization framework. With multiple layers of payment security in play to protect sensitive customer and transaction information, security is built in by design, fraud risks are minimised, compliance is rooted in every transaction, and users stay in control with just fast, secure, and familiar checkouts.

2. Unlocking saved cards, everywhere your brand
   

   This ground-breaking solution doesn’t just reduce friction at checkout – it completely reimagines how saved cards are discovered by brands. Until now, a tokenised card saved on a consumer app was trapped within that app. With CardSync, we unlock that value – enabling users to discover and use their saved cards beyond all consumer apps, across all Razorpay-powered brands and businesses.

   This means your brand benefits from a trusted, pre-tokenised/saved card being available right at the moment of payment, without asking the user to re-enter, re-tokenise their card details.

3. Interoperability: Breaking barriers between apps
   

   The real power of Razorpay CardSync isn’t just a faster checkout, it’s what it unlocks for the ecosystem. Interoperability.

   Most tokenised card experiences today are confined within the boundaries of a single app; cards saved on one platform work only on that platform’s checkout. But that’s not how users transact in the real world. They discover products on one site, shop on another, and expect a seamless payment experience wherever they choose to shop.

   Razorpay CardSync is the industry’s first live solution enabling token portability. By collaborating with trusted consumer/TPAP apps like CRED, we’re making saved cards portable, allowing users to access their tokenised/saved cards from these trusted apps on any Razorpay-powered brand checkout, with their consent. We’re breaking down silos between platforms and unlocking a seamless, intelligent payment layer where users save once and belong anywhere, instantly, securely, and with zero friction.

   For Brands:

   • High AOV brands where customers often prefer card payments
   • D2C and e-commerce brands with high new user acquisition, where tokenised cards improve first-time payment success
   • Travel and ticketing businesses, where card reliability and speed are key
   • Insurance and finance apps, where repeat journeys matter, but users don’t always trust saving cards on niche platforms

   One Ecosystem. Synced Cards. Shared Growth.

   A saved card means nothing unless it works when it matters. And Razorpay CardSync does just that. It opens India’s first partner-powered card experience, a new chapter in interoperable, intelligent commerce. One that breaks silos between apps and checkouts, and unlocks a world where a card saved once is remembered everywhere. It’s a new chapter in interoperable, intelligent commerce, where customers never have to start over, and businesses never miss a conversion. With our launch partners, top brands like Mokobara, Astrotalk, Urban Ladder, Snitch, and others are working with us to redefine the future of seamless card payments- boosting conversions, reducing friction, and delivering a truly zero-error checkout experience. And when customers win, so do businesses.
   
   Want to implement Razorpay CardSync for your business? Reach out to card-tokenization@razorpay.com or connect with your Account Manager if you’re already on Razorpay.