Picture this: a customer, ready to complete their purchase online. But just as they’re about to hit pay, the flow breaks. A forgotten CVV, a typo in their name, an expired card, or a lagging OTP screen stands in the way. What should’ve been a seamless moment turns into frustration—and a dropped transaction.
For most merchants, success rates (SR) are a north star metric. They’re deeply tracked. They’re optimized. But what often gets missed is why SR drops in the first place. Spoiler alert: it’s not always the bank. At Razorpay, we dug deep into these drop-offs.
The Hidden Leaks in Card Payments
Every card transaction is a chain. And it only takes one weak link to break the flow. These weak links—often seen as inevitable—can actually be fixed. Most drops don’t happen because of bank downtimes or tech glitches. They happen because of avoidable customer errors—mistyped names, expired cards, forgotten CVVs, slow OTP screens.
And these are errors merchants can actively solve for, and mostly—customer errors—go untouched. Enter SR Boosters, Razorpay’s playbook to reclaim that revenue—a suite of features on the card stack that turn every potential drop-off into a converted customer. Designed for merchants who want to own their checkout experience, SR Boosters help you eliminate friction, fix failures at the source, and recover hidden revenue.
But, What Exactly Is an SR Booster?
Think of SR Boosters as a set of on-tap upgrades you can enable inside the Razorpay Cards Stack. Each one removes a step that commonly breaks a transaction, lifts SR by a few percentage points, and strings those gains together until checkout feels…well, inevitable.
To keep things simple, we group the boosters into two pillars:
1. Core Payment Flow
Sometimes, fixing success rate isn’t just about the last mile. It’s about rebuilding the road. These features focus on optimizing the core of your payment setup:
- Direct Integration 2.0: Get closer to the network. Razorpay’s Direct Integration 2.0 connects directly with issuers and card networks to cut unnecessary hops. It supports issuer and network tokenization, ensuring faster, more reliable transactions. Why it matters: Fewer middlemen = faster processing + lower error rates. That’s a direct jump in SR. Upto ~3.5% SR boost
- TokenHQ – Razorpay’s Tokenization Engine: The backbone of secure, modern card payments. TokenHQ handles everything from token creation to lifecycle management, while complying with RBI’s PA/PG norms. Why it matters: One token = multiple benefits. It’s the infrastructure that unlocks it all. Upto ~4% SR boost
- Dynamic Routing: If one route fails, another picks up the baton. Razorpay’s Dynamic Routing reroutes card transactions in real time—across networks, acquirers, and issuers—for maximum reliability. Why it matters: You don’t lose out due to network downtimes or routing inefficiencies. Every transaction gets its best shot. Upto ~4% SR boost
2. Seamless Checkout Experience
This is where most SR drops happen—and where SR Boosters shine. These features eliminate customer-side errors at the root.
- Native OTP: No more re-directing your customers away to slow bank OTP pages. Razorpay’s Native OTP brings the OTP experience inside your app or site, giving you full control of design and flow. Why it matters: Faster, cleaner OTP flows = fewer drop-offs = Up to ~4%+ SR boost with close to ~80% card coverage.
- CVV-Less Checkout: Remembering a CVV is a chore; and that tiny box of digits is costing you. In the tokenized world, it’s also an unnecessary step. Customers should be able to pay without entering a CVV, and that’s exactly what CVV less payments do! Not just that, it’s live on all 5 networks – Visa, Mastercard, Rupay, Diners & Amex (because premium cards deserve a premium experience)! Why it matters: It removes the memory tests for your customers, no more abandoned checkouts due to forgotten CVVs. It’s not just convenient—it converts. ~4%+ SR uplift
- OTP Assist & Submit: Ever missed a payment because the OTP screen took too long? Razorpay auto-reads and enters OTPs for users—instantly. Why it matters: No input errors. No time-outs. Just faster, frictionless payments—and up to ~3% conversion uplift.
- Biometric Authentication: The holy grail of checkout, the future of MFA (Multi-factor authentication) on Cards. Razorpay + Mastercard now brings India’s first OTP-less biometric authentication for card payments, reducing 35% of authentication failures due to OTP errors. One face or fingerprint is all it takes. Why it matters: Secure, fast, and familiar. This is the checkout of tomorrow—already live today.
Each feature is a booster. But together, they’re a full-stack weapon against failed, slow card checkouts. With Razorpay’s SR Boosters for Cards, merchants have seen up to ~8–10% improvement in success rates. That’s not just a stat—it’s real revenue recovered.
The Bigger Picture: Happy Customers, Healthier Brand
A smooth card experience does more than pad SR. It:
- Builds loyalty—shoppers remember the easy checkout.
- Cuts support tickets—no more “My OTP didn’t work” rants at 11 p.m.
- Signals trust—frictionless and secure is the new table-stakes for fintech-savvy consumers.
With SR Boosters, you control the levers: less friction, fewer customer mistakes, higher conversion, and an experience that makes both you and the shopper smile. 👉 Explore Razorpay SR Boosters for Cards and turn every failed payment into a completed one.
