Feature Request

This is an on-demand feature. Please raise a request with our
Support team
to get this feature activated on your Razorpay account.
Watch this video to know how to raise a feature enablement request on the Razorpay Dashboard.

Razorpay works with card networks to return a unique card fingerprint for each card and all tokens created against that card.

This value is unique across the payment ecosystem. It means this fingerprint will act as a global identifier and will not change while processing payments.

You can use the Card Fingerprints API to retrieve:

Payment Account Reference for Mastercard and Visa cards.
Network Reference id for non-tokenised RuPay cards.

What is Payment Account Reference

Payment Account Reference (PAR) is a 29-character identifier associated with a specific card. It is independent of Razorpay and is provided by card networks and card-issuing banks.

What is Network Reference ID

Card networks need issuing banks' support to generate PAR value. However, RuPay currently has very low coverage on PAR value and needs to work with a large number of banks to increase the coverage. To overcome this challenge they have introduced - network reference id. It works in the same way as the PAR value and is 36-character long. The token create API call returns the Network Reference id.

Razorpay returns both network reference id as well as PAR value wherever available for RuPay Cards.

Use cases

This API is helpful for card identification in various situations:

Restricting the number of times an offer is availed on the card.
Applying risk checks as to how many times a card is used or if it is associated with fraud users.
Block existing and newly blacklisted cards.

List of Endpoints

Handy Tips

You can initiate a request for a card reference number using the following:

Card number
Tokenised card number
Razorpay token

API Endpoint	Description
Fetch Card Reference Number Using Card Number	Fetches the card reference number for a specific card using card number.
Fetch Card Reference Number Using Tokenised Card Number	Fetches the card reference number for a specific card using tokenised card number.
Fetch Card Reference Number Using Razorpay Token	Fetches the card reference number for a specific card using Razorpay Token.

Card Fingerprint Entity

network

string The card network. Possible values:

Mastercard
RuPay
Visa

payment_account_reference

string The 29-character unique identifier for Mastercard and Visa cards. For RuPay cards, the value is null.

network_reference_id

string The unique identifier generated for RuPay cards.