{"id":7035,"date":"2021-12-07T12:15:14","date_gmt":"2021-12-07T06:45:14","guid":{"rendered":"https:\/\/razorpay.com\/blog\/?p=7035"},"modified":"2025-03-21T16:21:34","modified_gmt":"2025-03-21T10:51:34","slug":"razorpay-token-hq-card-tokenisation-solution","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/razorpay-token-hq-card-tokenisation-solution\/","title":{"rendered":"Razorpay TokenHQ: India\u2019s first multi-network Card Tokenisation solution"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Recent RBI guidelines have disallowed businesses, payment gateways, <a href=\"https:\/\/razorpay.com\/blog\/what-is-a-payment-aggregator\/\">payment aggregators<\/a>, and acquiring banks from storing customer card data. To ensure that customers continue to enjoy the convenience of saved cards on checkout, the RBI has provisioned for a workaround \u2013\u00a0 Card-on-File Tokenisation (CoFT).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Card-on-File Tokenisation is the mechanism through which a customer card number is replaced with a surrogate value called a \u2018token\u2019. This token has no meaningful relationship with the original card number and is therefore much more secure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Razorpay TokenHQ is India\u2019s first multi-network RBI compliant <a href=\"https:\/\/razorpay.com\/blog\/card-tokenisation-all-you-need-to-know\/\">card tokenisation<\/a> solution. With TokenHQ, businesses can continue offering their customers a saved card experience, while staying compliant with RBI guidelines and regulations.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why adopt a card tokenisation solution?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So, why do businesses even need to adopt a <a href=\"https:\/\/razorpay.com\/blog\/tokenisation-and-its-impact-on-online-payments\/\">tokenisation<\/a> solution? Well, if businesses wish to continue offering customers the convenience of saved cards, they will have to adopt a tokenisation solution. This begs the question, why offer saved cards, and what is this convenience all about? Let us understand this with the following examples.\u00a0<\/span><\/p>\n<p><b>Transactions WITHOUT saved cards:<\/b><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7044 size-medium\" src=\"https:\/\/razorpay.com\/blog-content\/uploads\/2021\/12\/Non-saved-card-168x300.png\" alt=\"\" width=\"168\" height=\"300\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2021\/12\/Non-saved-card-168x300.png 168w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2021\/12\/Non-saved-card-575x1024.png 575w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2021\/12\/Non-saved-card.png 722w\" sizes=\"auto, (max-width: 168px) 100vw, 168px\" \/><\/p>\n<p><b><\/b><span style=\"font-weight: 400;\">The customer begins typing\u2026\u2026<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">First the 16 digit card number <\/span><span style=\"font-weight: 400;\">\ud83e\udd14<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Then the Card Holder\u2019s name <\/span><span style=\"font-weight: 400;\">\ud83e\uddd0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The expiry <\/span><span style=\"font-weight: 400;\">\ud83d\ude35<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finally the CVV <\/span><span style=\"font-weight: 400;\">\ud83d\ude2e\u200d\ud83d\udca8<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oh no! Customer made a mistake and the transaction FAILS <\/span><span style=\"font-weight: 400;\">\ud83d\ude21<\/span><\/li>\n<\/ul>\n<p><b>Transactions WITH saved cards<\/b><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-7043 aligncenter\" src=\"https:\/\/razorpay.com\/blog-content\/uploads\/2021\/12\/Saved-card-170x300.png\" alt=\"\" width=\"170\" height=\"300\" srcset=\"https:\/\/blog.razorpay.in\/wp-content\/uploads\/2021\/12\/Saved-card-170x300.png 170w, https:\/\/blog.razorpay.in\/wp-content\/uploads\/2021\/12\/Saved-card.png 402w\" sizes=\"auto, (max-width: 170px) 100vw, 170px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The customer begins typing\u2026\u2026<\/span><span style=\"font-weight: 400;\">enters CVV <\/span><span style=\"font-weight: 400;\">\ud83d\ude42<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And voila done! The transaction is complete. The customer is delighted and likely to visit your website again.\u00a0<\/span><\/p>\n<p><strong>To summarise, a saved card experience leads to:\u00a0<\/strong><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0Increase success rates<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">fewer drop-offs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">an overall increase in transactions and revenue\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>customer delight<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This is exactly why businesses need to adopt a card tokenisation service before the RBI guidelines on card tokenisation come into effect on July 1st 2022.\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><strong>Also Read: <a href=\"https:\/\/razorpay.com\/blog\/card-on-file-tokenisation-all-you-need-to-know\/\">Decoding Card-on-File Tokenisation: All You Need to Know<\/a><\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Razorpay TokenHQ: Enabling seamless card tokenisation\u00a0\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that we have talked about why businesses should adopt a tokenisation solution, let us talk about why Razorpay\u2019s TokenHQ is the right solution for you:\u00a0<\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multi-network<\/b><span style=\"font-weight: 400;\">: We work across all three major <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-card-network\/\">card networks<\/a>: Mastercard, Visa and RuPay.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Support for <\/span><b>Multiple Payment Gateways<\/b><span style=\"font-weight: 400;\">: Businesses use Razorpay\u2019s card tokenisation service across <a href=\"https:\/\/razorpay.com\/blog\/multiple-payment-gateways\/\">multiple payment gateways<\/a>. What\u2019s more, they can deploy \u2018TokenHQ\u2019 even if they don\u2019t use the <a href=\"https:\/\/razorpay.com\/payment-gateway\/\">Razorpay Payment Gateway<\/a>.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Highly scalable APIs:<\/b><span style=\"font-weight: 400;\"> Scalable and developer-friendly APIs capable of supporting high traffic volume.<\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<ul>\n<li aria-level=\"1\"><b>Future-proof <\/b><span style=\"font-weight: 400;\">with provision for multiple tokenisation models in the future.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">The Razorpay Difference: We are truly future-ready!<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are a few other card tokenisation offerings in the market and we want to make sure we are very clear about how TokenHQ is different from all of these offerings.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Improved scalability, availability &amp; flexibility with the option of different tokenisation models<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Razorpay is <\/span><b>uniquely positioned to offer multiple tokenisation<\/b> <b>models<\/b><span style=\"font-weight: 400;\"> due to deep relations with banks and other stakeholders in the ecosystem. Without giving away too much, we expect to provide our partner businesses with the following outcomes in the coming year:\u00a0<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Greater flexibility: <\/b><span style=\"font-weight: 400;\">With respect to migration and operation of tokens<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Higher Success rates: <\/b><span style=\"font-weight: 400;\">Higher transaction success rates than even network tokenisation\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Better commercials: <\/b><span style=\"font-weight: 400;\">Bypass card networks, thereby leading to significant cost benefits<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Superior Payments Experience<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">By using Razorpay TokenHQ, businesses can ensure that their customer experience remains seamless and the impact (if any) is minimal. There will be no change in the number of steps the customer has to take to complete a transaction. The consent for tokenising the card will be obtained through an AFA (Additional Factor of Authentication) as can be seen on the checkout image.\u00a0<\/span><b><\/b><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-7062 aligncenter\" src=\"https:\/\/razorpay.com\/blog-content\/uploads\/2021\/12\/post-tokenisation-gif-3.gif\" alt=\"\" width=\"217\" height=\"385\" \/><\/p>\n<ul>\n<li aria-level=\"1\"><b>No additional hops: <\/b><span style=\"font-weight: 400;\"><a href=\"https:\/\/razorpay.com\/blog\/business-offers-types-create\/\">Razorpay offers<\/a> a seamless checkout experience with no additional hops. That is to say, customers will not be redirected to a different page, nor will the number of steps for transaction completion be impacted.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Seamless customer consent: <\/b><span style=\"font-weight: 400;\">Razorpay collects customer consent in a seamless fashion with a pre-ticked checkbox. This entails that the customer experience will not undergo any disruptions and the customer can continue to transact as they do currently.\u00a0<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Easy Implementation<\/span><\/h4>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Auto-enabled<\/b><span style=\"font-weight: 400;\"> for businesses using Razorpay standard checkout and no integration required for businesses using custom checkout<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Easy integration<\/strong> with developer friendly REST APIs for businesses using API integrated checkouts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Exhaustive error codes<\/strong> (for tokenised transactions) with source and extremely detailed reasons. This will be super useful in the long term.\u00a0<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Integrating with Razorpay TokenHQ<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Integration effort with <\/span><a href=\"https:\/\/razorpay.com\/card-tokenisation\/\"><span style=\"font-weight: 400;\">Razorpay TokenHQ<\/span><\/a><span style=\"font-weight: 400;\"> will vary depending on the type of checkouts the business has. Below are the types of checkouts and how much effort is needed for each of these to integrate with TokenHQ.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Standard checkout<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Who<\/b><span style=\"font-weight: 400;\">: Businesses on Razorpay\u2019s standard checkout, TokenHQ is auto-enabled at <\/span><b><i>zero added cost<\/i><\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integration effort<\/b><span style=\"font-weight: 400;\">: None<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Custom checkout\u00a0<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Who: <\/b><span style=\"font-weight: 400;\">Businesses using locally saved cards and on Razorpay\u2019s custom checkout. <\/span><b>Integration effort<\/b><span style=\"font-weight: 400;\">: 0-1 day<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">\u00a0API Integrated checkout\u00a0<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Who<\/b><span style=\"font-weight: 400;\">: Businesses using API integrations or S2S (Server to Server) integrations on their checkout. This is available on demand. You can either reach out to your account POCs or <\/span><a href=\"https:\/\/share.hsforms.com\/1y0imS-oFS3OwNLNNglXIiw3b5b6\" rel=\"nofollow noopener\" target=\"_blank\"><span style=\"font-weight: 400;\">fill this form<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integration effort<\/b><span style=\"font-weight: 400;\">: 0-3 weeks. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">There will be some integration effort required, depending on what existing integrations the business has with Razorpay.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The sooner businesses start tokenising customer card details, the quicker they can build a repository of saved cards. Remember, all existing non-tokenised card data will be purged post June 30th, 2022. So make sure you are prepared for the coming year and equipped to provide your customers with the best possible experience!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We would love to hear from you. Reach out to us at <\/span><a href=\"mailto:card-tokenisation@razorpay.com\"><span style=\"font-weight: 400;\">card-tokenisation@razorpay.com<\/span><\/a><span style=\"font-weight: 400;\"> if you have any queries or concerns.\u00a0<\/span><\/p>\n<div style=\"text-align: center;\"><a style=\"border-radius: 3px; background: #528ff0; padding: 15px; font-weight: 600; cursor: pointer; text-decoration: none; color: white;\" href=\"https:\/\/share.hsforms.com\/1y0imS-oFS3OwNLNNglXIiw3b5b6\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Get Started<\/a><\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recent RBI guidelines have disallowed businesses, payment gateways, payment aggregators, and acquiring banks from storing customer card data. To ensure that customers continue to enjoy the convenience of saved cards on checkout, the RBI has provisioned for a workaround \u2013\u00a0 Card-on-File Tokenisation (CoFT).\u00a0 Card-on-File Tokenisation is the mechanism through which a customer card number is<\/p>\n","protected":false},"author":80,"featured_media":16519,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[240],"class_list":{"0":"post-7035","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-razorpay-tokenhq"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/7035","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=7035"}],"version-history":[{"count":3,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/7035\/revisions"}],"predecessor-version":[{"id":21588,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/7035\/revisions\/21588"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/16519"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=7035"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=7035"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=7035"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}