Focus on business growth while we do the heavy lifting

One unified solution for multiple card issuers & networks
ultimate convenience
100% compliant
Assign tokens that act as proxies for card details, without compromising on privacy.
access save cards
Easily auto-enabled
No integration needed for Standard Checkout & Custom UI accounts.
increase security
Convert customers faster
Leverage 11mn+ saved cards and offer customers a seamless payment experience.
increase conversion
No business disruptions!
Ensure continuity for your business growth, without a glitch.

How It Works

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Here’s a sneak peek into what we are building for our industry!
increase conversion
Powerful tracking & reporting
Track & control token requests, create custom reports and more from our intuitive dashboard.
increase conversion
Flexible across payment systems
Integrate with us and seamlessly create & use tokens across all payment gateways.
increase security
Highly scalable APIs
Scalable and developer-friendly APIs capable of supporting high traffic volumes.

Frequently Asked Questions

FAQs

Why do merchants need Razorpay’s tokenisation solution?
Why do merchants need Razorpay’s tokenisation solution?

Merchants can continue enabling seamless payments for their customers by allowing them to “save” their card details through the tokenisation mechanism. Merchants who do not adopt a tokenisation solution post 31st December 2021, will no longer be able to offer saved cards experience to customers on the checkout page. This will lead to:

  • Poor customer experience, as customers will now have to input card details everytime they make a payment
  • Increase in drop offs at the checkout page leading to decline in revenues. Businesses providing a saved card experience to customers see up to a 4% increase in conversions.
  • Loss of market share to competitors who might offer the tokenisation solution via Razorpay, thus providing a superior customer experience.
  • Inability to offer personalized offers to customers on the checkout page.

What is Tokenisation?
What is Tokenisation?

Tokenisation is the process by which the original card number / Primary Account Number (PAN) is replaced with a surrogate value called a “token.” These tokens are managed between the Token Requestor and the Network and allows customers to store their card details in a secure and compliant fashion.

What does the RBI guideline say?
What does the RBI guideline say?

The recent RBI guideline around tokenisation of card transactions (circular No. CO.DPSS.POLC.No.S-516/02-14-003/2021-22 dated 7th September 2021) prohibits merchants, payment aggregators, payment gateways and acquiring banks from saving customer card details on their servers. Card networks & Card issuers are the only parties that can now save plain text cards.

What information can merchants continue to store?
What information can merchants continue to store?

Merchants can continue to store the last 4 digits of the actual card number and a card issuer name for tracking/analytical purposes.

Who can save cards as per the new guidelines?
Who can save cards as per the new guidelines?

Card networks & Card issuers are the only parties that can now save plain text cards. All other parties (PA, PG, Acquiring banks and Merchants) can only have a tokenized card and can’t save a plain text card.

Is customer consent required for saving / creating a token?
Is customer consent required for saving / creating a token?

Yes, Customer consent and additional factor of authentication (AFA) is required for saving a card / creating a token. This can be the same 2FA used during the first transaction

What is Razorpay’s Tokenisation solution?
What is Razorpay’s Tokenisation solution?

Razorpay’s Tokenisation solution will be an end-to-end solution for merchants to allow customers to continue saving cards in compliance with RBI recommended framework.

Will Razorpay be a Token Requestor?
Will Razorpay be a Token Requestor?

Yes, Razorpay can act as a Token Requestor and abstract the multiple underlying integrations for a merchant. Merchants will be integrating with Razorpay and Razorpay would be integrating with all the networks (VISA, Mastercard, RuPay, American Express and Diners).

Can a merchant be a Token Requestor?
Can a merchant be a Token Requestor?

Yes, merchants can choose to become Token Requestors. However, merchants need to sign documentation with each network scheme and need to represent themselves as a TSP. Merchants will need to be PCI DSS compliant to do the same. Instead, merchants can also work with Razorpay as a Token Requestor.

How will Razorpay integration help when merchant is TR?
How will Razorpay integration help when merchant is TR?

Razorpay will act as a Technical service provider (TSP) and abstract the multiple underlying integrations for a merchant. Razorpay would be integrating with all the networks and will do the heavy lifting of maintenance, certification & audit requirements from networks.

Is card saving supported without making a payment?
Is card saving supported without making a payment?

Yes, Razorpay APIs provide capability to add cards (with AFA) without the need of making payment.

Will the Token be visible to the cardholder?
Will the Token be visible to the cardholder?

No, the Token will not be visible to cardholders, It will be managed between the token Requestor and Network.

How will Razorpay operationalize this?
How will Razorpay operationalize this?

Razorpay will act as a Technical service provider (TSP) and abstract the multiple underlying integrations for a merchant. Razorpay would be integrating with all the networks (VISA, Mastercard, RuPay, American Express and Diners) and its APIs will have the flexibility to respond back with network token packets for merchants that have use-cases around the same.

Can this token be used along with other payment gateways?
Can this token be used along with other payment gateways?

This token can be used for processing payments via other Payment Gateways as well. You may additionally use our Optimizer product to route payments through any PA/PG without any change in integrations.

What requirements can Razorpay’s tokenisation solution satisfy?
What requirements can Razorpay’s tokenisation solution satisfy?

Using Razorpay’s extensive Tokenisation solution, merchants would be able to address requirements across the entire payments lifecycle including:

  • Tokenising a card
  • Fetching transactional data for token to process subsequent payment
  • Processing payment via token
  • Fetching token status & card properties via Token
  • Deleting a token
  • Webhooks to notify about changes in token status made by issuing bank


In short, while merchants, payment gateways, acquiring banks and payment aggregators can no longer save card details, merchants can still provide the “saved cards” payment experience to customers through Razorpay’s card tokenisation solution.

How do I sign-up for Razorpay’s tokenisation solution?
How do I sign-up for Razorpay’s tokenisation solution?

You can sign up and request for a preview or demo our mock APIs.

What integration changes do I need to do as a Razorpay merchant?
What integration changes do I need to do as a Razorpay merchant?

Razorpay merchants using standard & custom checkout can seamlessly enable tokenisation. They will not need to make any integration changes. Merchants having an API based integration will need to make minimal changes to their existing API integration with Razorpay.

Why do merchants need Razorpay’s tokenisation solution?

Merchants can continue enabling seamless payments for their customers by allowing them to “save” their card details through the tokenisation mechanism. Merchants who do not adopt a tokenisation solution post 31st December 2021, will no longer be able to offer saved cards experience to customers on the checkout page. This will lead to:

  • Poor customer experience, as customers will now have to input card details everytime they make a payment
  • Increase in drop offs at the checkout page leading to decline in revenues. Businesses providing a saved card experience to customers see up to a 4% increase in conversions.
  • Loss of market share to competitors who might offer the tokenisation solution via Razorpay, thus providing a superior customer experience.
  • Inability to offer personalized offers to customers on the checkout page.

What is Tokenisation?

Tokenisation is the process by which the original card number / Primary Account Number (PAN) is replaced with a surrogate value called a “token.” These tokens are managed between the Token Requestor and the Network and allows customers to store their card details in a secure and compliant fashion.

What does the RBI guideline say?

The recent RBI guideline around tokenisation of card transactions (circular No. CO.DPSS.POLC.No.S-516/02-14-003/2021-22 dated 7th September 2021) prohibits merchants, payment aggregators, payment gateways and acquiring banks from saving customer card details on their servers. Card networks & Card issuers are the only parties that can now save plain text cards.

What information can merchants continue to store?

Merchants can continue to store the last 4 digits of the actual card number and a card issuer name for tracking/analytical purposes.

Who can save cards as per the new guidelines?

Card networks & Card issuers are the only parties that can now save plain text cards. All other parties (PA, PG, Acquiring banks and Merchants) can only have a tokenized card and can’t save a plain text card.

Is customer consent required for saving / creating a token?

Yes, Customer consent and additional factor of authentication (AFA) is required for saving a card / creating a token. This can be the same 2FA used during the first transaction

What is Razorpay’s Tokenisation solution?

Razorpay’s Tokenisation solution will be an end-to-end solution for merchants to allow customers to continue saving cards in compliance with RBI recommended framework.

Will Razorpay be a Token Requestor?

Yes, Razorpay can act as a Token Requestor and abstract the multiple underlying integrations for a merchant. Merchants will be integrating with Razorpay and Razorpay would be integrating with all the networks (VISA, Mastercard, RuPay, American Express and Diners).

Can a merchant be a Token Requestor?

Yes, merchants can choose to become Token Requestors. However, merchants need to sign documentation with each network scheme and need to represent themselves as a TSP. Merchants will need to be PCI DSS compliant to do the same. Instead, merchants can also work with Razorpay as a Token Requestor.

How will Razorpay integration help when merchant is TR?

Razorpay will act as a Technical service provider (TSP) and abstract the multiple underlying integrations for a merchant. Razorpay would be integrating with all the networks and will do the heavy lifting of maintenance, certification & audit requirements from networks.

Is card saving supported without making a payment?

Yes, Razorpay APIs provide capability to add cards (with AFA) without the need of making payment.

Will the Token be visible to the cardholder?

No, the Token will not be visible to cardholders, It will be managed between the token Requestor and Network.

How will Razorpay operationalize this?

Razorpay will act as a Technical service provider (TSP) and abstract the multiple underlying integrations for a merchant. Razorpay would be integrating with all the networks (VISA, Mastercard, RuPay, American Express and Diners) and its APIs will have the flexibility to respond back with network token packets for merchants that have use-cases around the same.

Can this token be used along with other payment gateways?

This token can be used for processing payments via other Payment Gateways as well. You may additionally use our Optimizer product to route payments through any PA/PG without any change in integrations.

What requirements can Razorpay’s tokenisation solution satisfy?

Using Razorpay’s extensive Tokenisation solution, merchants would be able to address requirements across the entire payments lifecycle including:

  • Tokenising a card
  • Fetching transactional data for token to process subsequent payment
  • Processing payment via token
  • Fetching token status & card properties via Token
  • Deleting a token
  • Webhooks to notify about changes in token status made by issuing bank


In short, while merchants, payment gateways, acquiring banks and payment aggregators can no longer save card details, merchants can still provide the “saved cards” payment experience to customers through Razorpay’s card tokenisation solution.

How do I sign-up for Razorpay’s tokenisation solution?

You can sign up and request for a preview or demo our mock APIs.

What integration changes do I need to do as a Razorpay merchant?

Razorpay merchants using standard & custom checkout can seamlessly enable tokenisation. They will not need to make any integration changes. Merchants having an API based integration will need to make minimal changes to their existing API integration with Razorpay.

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