Features

Razorpay payment gateway comes with a range of features that help you build a first-class payment experience.

Saved Cards
You can save customer card details as tokens with Razorpay. On a repeat visit, the customers can pay directly just by entering the card's CVV. Know more about
saved cards
.
Watch Out!
- CVV is not required by default for Visa and Amex tokenised cards.
- To enable CVV-less flow for Rupay and MasterCard, contact our
  support team
  .
- CVV is mandatory for Diners tokenised cards.
- CVV is an optional field. Skip passing the cvv parameter to Razorpay to implement this change. Know more about
  cvv-less flow
  .
Native OTP
Generate and verify OTP on the customers’ browser without redirecting them to their bank's ACS page for authentication. Since there is no redirection using the customers’ browser, it reduces the dependency on the customers’ browser network, drop-off rates, and provides a seamless experience for card transactions. Know more about
native OTP
.
Guest Checkout Payments
Razorpay offers an Alternate Identifier (Alt id), a solution compliant with RBI guidelines for guest checkout payments. Alternate Identifier provides a smooth payment experience to customers. Know more about
guest checkout payments
.
Saved VPA
Razorpay enables you to save a customer's VPAs. The VPAs entered by the customer are stored and secured as tokens in Razorpay. The customers can select the saved VPA and complete the payment on subsequent visits. Know more about
saved VPA
.
Validate VPA
If the selected payment method is upi, the user has to enter the vpa in the Checkout form. You can check if the entered VPA is valid or not. Know more about
validate VPA
.
OTP-Assist
Your customers gain a faster and enhanced checkout experience with Razorpay OTP auto-read and auto-submit. The system automatically reads the OTP your customers receive and auto-fills and auto-submits the OTP with the customer's consent. It prevents errors and the users do not need to navigate or interact with additional elements to complete verification, making the process seamless. This is available by default on Android SDK and not on iOS SDK. Know more about
OTP-Assist
.
UPI Payments using Mobile Number
You can accept UPI payments using the phone number for the collect flow. Your customers can enter the mobile number linked to their UPI on checkout, open the respective UPI app, and complete the payment after entering the UPI PIN on their mobile devices. Know more about
UPI payments using mobile number
.
Offers
Attract your customers and improve sales by providing discounts or cashback on your website or apps. Using Razorpay Offers, you can completely control the discounts offered to your customers and restrict the payment methods to which the offers are applied. Know more about
offers
.
CRED Eligibility Check
You can determine if the user is eligible for CRED Pay transactions on Custom Checkout using their contact number with the country code. Know more about
CRED eligibility check
.

Pop-up Customisation
You can bring a pop-up on the screen by calling the focus method. This acts as a visual reminder to the customer that the payment is ongoing. Know more about
pop-up customisation
.
Partial Payment Capability
You can allow your customer to make partial payments at the Checkout. Know more about
partial payments
.

International Payments
You can accept payments from your customers in over 100 foreign currencies using Razorpay. Know more about
international payments
.
Trusted Business
Embed the Trusted Business Widget on your website to instill credibility amongst site visitors. It reassures your customers that they can safely transact with your brand without worries. Know more about
trusted badge
and
trusted widget
.

Customer Fee-bearer
You can charge a convenience fee to your customers for the use of technology infrastructure. Convenience Fees are seamlessly added at Razorpay Checkout without disrupting the checkout experience for your customers. Know more about
convenience fees
.

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.

Third-party Validation
As per the SEBI guidelines, the customers must make transactions only from those bank accounts provided when they register with your business.
You can comply with the SEBI guidelines for online payment collections by offering TPV integrations with major banks at the Checkout. Customers can make payments using netbanking or UPI. UPI supports both collect and intent flows. Know more about
third-party validation
.

Checkout Timeout
You set a timeout on Checkout. After the specified time limit, the customer will not be able to use Checkout; hence, the payment will terminate after the set time. Know more about
checkout timeout
.

Downtime Communication on Checkout
Downtimes updates provide an overview of various downtimes grouped across different payment methods on your
Razorpay Dashboard
. You can view the latest status of downtimes for netbanking, cards, and UPI at any point. You can also view instrument details for downtimes, such as Cards Network, Issuers, Banks, and UPI handles. Know more about the
payments downtime API
.

Watch Out!
Additionally, you can also temporarily prevent customers from accessing payment instruments, which are bound to fail on checkout. For example, if all payments made via Netbanking are bound to fail, you can show the option in a disabled state on checkout until it recovers. However, they can select an alternative instrument that is more likely to work to complete the payment successfully.