CVV-less Flow for Card Payments

Save customer card details as tokens and enable CVV-less payment flows for customers via Razorpay.


You can offer CVV-less payments for saved cards and let your customers complete a payment without the card CVV. CVV-less card payments are simple, fast and secure, and do not require the customers to remember the CVV. Offering CVV-less saved card flows to your customers can increase the conversion rate by 4%.

We encourage the businesses to remove the CVV box on the checkout page. If you are live on Razorpay Standard Checkout, the UI changes reflect automatically. The customer can choose their saved cards as their preferred payment option and experience a faster transaction.

CVV Less Card Payment Flow GIF

Handy Tips

CVV-less payments on RuPay and Mastercard CVV-less are on-demand features. Reach out to our

for more information.

1. What should be passed in the CVV field to Razorpay?

The CVV field is optional by default for saved card payments on Visa and Amex. To implement this change, you can skip passing the CVV field in the payment request to this field to Razorpay.

2. Does this mean I no longer need to pass CVV to Razorpay?

This change is applicable for all Visa, Amex, MasterCard and Rupay saved payments. For saved or saved payments on these cards, you can skip passing the CVV completely.

3. Do all networks support CVV-less flow?

CVV-less flow is supported for tokenised payments on all major networks: Visa, Mastercard, RuPay and Amex.

4. I am integrated with Standard Checkout on Razorpay. How does this feature impact me?

CVV-less flow will be automatically enabled for Visa and American Express cards on Razorpay Standard Checkout.

5. I am integrated with Custom Checkout/S2S on Razorpay. How does this feature impact me?

If you are integrated with Razorpay’s Custom Checkout/S2S APIs, you need not pass CVV to Razorpay for tokenised payments mandatorily. You should make changes in your integration to:

  1. Not collect CVV from customers.
  2. Not pass CVV to Razorpay.

6. I use Juspay to route card payments to Razorpay. Can I stop sending the CVV to Juspay?

In this case, Juspay must send CVV-less card payments via Razorpay. We recommend you reach out to your Juspay POC.

7. CVV validation was a mandatory step until now. Does this feature compromise my customer’s security?

The new RBI guidelines for the Card on File Tokenization (CoFT) process ensures enhanced card security. Your customer’s card details are securely encrypted and stored, with access to only card networks and issuing banks. Considering this, Visa and Amex have made CVV validation optional for tokenised cards. This change is 100% compliant with all RBI regulations about card security.

8. 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. Razorpay’s RBI-compliant TokenHQ solution allows cardholders to tokenise their cards and securely process transactions through the tokenised cards. To know more about TokenHQ, reach out to our

.

9. Is this change applicable only to specific transactions, for example, less than INR 2000?

CVV-less flows are applicable to all tokenised transactions under Visa, Mastercard, Amex and RuPay, irrespective of the payment amount.

10. Why is this introduced only on saved cards? Why not all cards?

One of the ways cardholder authenticity and security are maintained for CVV-less transactions is via their consent and authorisation to save their card in the first place. Other tokenised cards still need to maintain cardholder security by mandating the CVV.


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