{"id":23746,"date":"2025-08-05T11:02:06","date_gmt":"2025-08-05T05:32:06","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=23746"},"modified":"2025-09-01T15:56:05","modified_gmt":"2025-09-01T10:26:05","slug":"introducing-razorpays-ecosystem-wide-tokenization-with-cardsync","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/introducing-razorpays-ecosystem-wide-tokenization-with-cardsync\/","title":{"rendered":"Introducing CardSync: Razorpay’s Ecosystem-wide Saved Card Solution"},"content":{"rendered":"

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 –\u00a0 intent often gets lost in friction. Cards today are already saved somewhere – in trusted apps like CRED.\u00a0 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\u2019ve used elsewhere.\u00a0\u00a0<\/span><\/p>\n

What\u2019s missing is a <\/span>synchronization layer<\/b> – a way to bridge where cards are saved and where payments happen. Today, we\u2019ve truly reimagined what \u201csaved card\u201d should really mean in a tokenized world.<\/span><\/p>\n

Built on Device Tokenisation. Powered by Visa. Now Live with CRED.<\/strong><\/h4>\n

Introducing CardSync – an ecosystem-wide tokenization solution.<\/span><\/p>\n

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\u2019s 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. <\/span><\/p>\n

For your customers, no more memory tests of entering 16-digit numbers again and again. No-resaving\/tokenizing the card. No OTP redirects.\u00a0<\/span>
\n<\/span><\/p>\n

How It Works\u00a0<\/b><\/h5>\n

Here\u2019s how the magic unfolds:<\/span><\/p>\n

    \n
  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)<\/span>
    \n<\/span><\/li>\n
  2. At Razorpay checkout, we present eligible saved tokens, always with explicit user consent<\/span>
    \n<\/span><\/li>\n
  3. The card syncs pre-filled at checkout – ready for payment<\/span>
    \n<\/span><\/li>\n<\/ol>\n

    The customer pays with their tokenised\/saved card via Native OTP – eliminating hops and redirections to bank OTP pages.<\/span>
    \n<\/span>\"\"<\/p>\n

    \"\"<\/p>\n

    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.<\/span><\/p>\n

      \n
    1. \n

      What is device tokenization?
      \n<\/b><\/h3>\n

      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\u2019s stored directly on the user\u2019s 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.<\/p>\n

      Razorpay CardSync is built on Visa\u2019s 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.<\/li>\n

    2. \n

      Unlocking saved cards, everywhere your brand
      \n<\/b><\/h3>\n

      This ground-breaking solution doesn\u2019t 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.<\/span><\/p>\n

      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.<\/span><\/li>\n

    3. \n

      <\/b>Interoperability: Breaking barriers between apps
      \n<\/b><\/h3>\n

      The real power of Razorpay CardSync isn\u2019t just a faster checkout, it\u2019s what it unlocks for the ecosystem. Interoperability.<\/p>\n

      Most tokenised card experiences today are confined within the boundaries of a single app; cards saved on one platform work only on that platform\u2019s checkout. But that\u2019s 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.<\/p>\n

      Razorpay CardSync is the industry\u2019s 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\u2019re 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.<\/p>\n

      For Brands:<\/span><\/h5>\n