Payouts to Cards

Make payouts directly to a credit, debit or prepaid card using RazorpayX APIs.

With RazorpayX, you can make payouts directly to a credit card, debit card or prepaid card. Making payout to a card is the same as making normal payouts.

Payouts via IMPS, NEFT, and UPI are supported on

and . Payouts via card mode (also known as network rails) are supported only on RazorpayX Lite.

Watch Out!

Payouts via Visa Direct and MasterCard Send are temporarily unavailable. Please watch this space for further updates.

This is the latest version of the list and was last updated on April 24, 2023.

Explore the Payouts to Cards API collection in the Razorpay Postman Public Workspace. Fork the workspace and test the APIs with your


According to the latest guidelines from RBI, businesses cannot save their customer’s card credentials (card number and other card data) on their own servers. The coverage for payouts to tokenised and non-tokenised cards is different.

In case a payout fails, please collect the card details from the customer and re-initiate the payout. Payouts to cards via standalone Payout API are not allowed when the card number is passed in the API request.

To save a card number as per RBI guidelines, you can use a tokenization service like

. Payouts to these tokenised cards can be made using the mode card on RazorpayX.

Payouts to Tokenised Cards

is the process by which the original card number / Primary Account Number is replaced with a surrogate value called a token. According to the recent RBI guidelines, Payment Aggregators (PA)/ Payment Gateway (PG) and businesses cannot save their customers' card numbers and other card data on their servers. Hence, you can save card numbers and make payouts to it only by creating tokens.

You can create tokens using:

Watch Out!

  • Payouts via IMPS, NEFT and UPI are not supported via tokenised cards.
  • Token expiry month and year are mandatory in case of external service provider.
  • Payouts to tokenised cards is supported only for limited issuers on Visa and Mastercard. They are not supported via bank rails. Its only supported for the mode card.

Supported Banks and Payout Modes

Know about


Handy Tips

  • If the payouts are made via cards that are not mentioned in the list, the payout creation request will fail.
  • You can use payouts to cards without a compliance certificate in Test mode upon .

Before you create a payout to a card or

, you must:

Or, if you already know which Contact and Fund account you want to make the payout to, keep their Contact id (for example, contact_id: cont_00000000000001) and Fund Account id (for example, fund_account_id: fa_00000000000001) available.

Watch Out!

  • It is mandatory to that you use while making payouts via APIs or the request will fail.
  • We highly recommend you get PCI-DSS compliance and make private API calls that are authenticated using your API Key. This helps reduce risks related to security.

You can refer to the Request Parameters of each API for more information.

Feature Request

This is an on-demand feature and available only to PCI-compliant merchants. To enable this feature, raise a request using the

on the RazorpayX Dashboard.

Before you fire APIs, keep your Key id and Key Secret available. You can

in Live Mode or in on the .

API EndpointDescription
Make a payout to a card without saving the card details.

API EndpointDescription
Creates a fund account for a card tokenised by external token providers.
Makes a payout to a card tokenised by external token providers.

API EndpointDescription
Creates a fund account for a card tokenised by Razorpay TokenHQ.
Makes a payout to a card tokenised by Razorpay TokenHQ.

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