Tokenisation APIs

According to recent Payment Acquirer (PA)/ Payment Gateway (PG) guidelines from RBI, businesses cannot save their customers' card numbers and other card data on their servers. Razorpay TokenHQ is a RBI-compliant solution that allows you to save customer credentials with card networks and card-issuing banks. You can use Razorpay Optimizer to route payments through the PA/PG of your choice.

List of APIs

Given below is the list of APIs:

1. Tokenise Cards

You can save customer card details in the form of tokens and then use these tokens to accept payments from customers.

Token Entity

Given on the right is a sample entity.

{
  "id": "token_4lsdksD31GaZ09",
  "entity": "token",
  "customer_id": "cust_1Aa00000000001",
  "method": "card",
  "card": {
    "last4": "3335",
    "network": "Visa",
    "type": "debit",
    "issuer": "HDFC",
    "international": false,
    "emi": true,
    "sub_type": "consumer",
    "token_iin": "453335"
  },
  "compliant_with_tokenisation_guidelines": true,
  "service_provider_tokens": [
    {
      "id": "spt_1234abcd",
      "entity": "service_provider_token",
      "provider_type": "network",
      "provider_name": "Visa",
      "interoperable": true,
      "status": "active",
      "status_reason": null,
      "provider_data": {
        "token_reference_number": "sas7wqaoidasdfssdjjk",
        "payment_account_reference": "8324ssdas7wqaoidassdjjk",
        "token_iin": "453335",
        "token_expiry_month": 12,
        "token_expiry_year": 2021
      },
      "error": {
        "code": "BAD_REQUEST_ERROR",
        "description": "Authentication failed due to incorrect CVV",
        "field": null,
        "source": "bank",
        "step": "token_creation",
        "reason": "invalid_cvv",
        "metadata": {}
      }
    },
    {
      "id": "spt_1234abcd",
      "entity": "service_provider_token",
      "provider_type": "aggregator",
      "provider_name": "razorpay",
      "interoperable": false,
      "status": "active",
      "status_reason": null,
      "provider_data": {
        "expired_at": 1748716199
      },
      "error": {
        "code": "BAD_REQUEST_ERROR",
        "description": "Authentication failed due to incorrect CVV",
        "field": null,
        "source": "bank",
        "step": "token_creation",
        "reason": "invalid_cvv",
        "metadata": {}
      }
    }
  ],
  "expired_at": 1748716199,
  "status": "active",
  "status_reason": null,
  "notes": []
}

string The unique identifier of the Razorpay token.

entity

string The name of the entity. Here, it is token.

customer_id

string This is the Razorpay customer id. You can create token for a specific customer using their customer id. Use the

Customers API

to create customer id. This is an optional parameter.

method

string The type of object that was tokenised. Currently, it only supports card.

card

object The customer card details.

last4

string The last 4 digits of the tokenised card.

network

string The card network. Possible values:

Visa
RuPay
MasterCard`
American Express
Diners Club
Bajaj Finserv
Maestro
JCB
Union Pay

issuer

string The 4-character issuer code unique to each issuing bank in India. For example, HDFC, SBIN and so on.

type

string The type of card. Possible values:

credit
debit
prepaid

international

boolean Indicates whether the card is international (issued outside India) or domestic. Possible values:

true: The card is international.
false: The card is domestic.

emi

boolean Indicates whether the card is eligible for EMI payments or not. Possible values:

true: The card is eligible for EMI payments.
false: The card is not eligible for EMI payments.

sub_type

string The card sub_type for the given IIN. Pricing of card payment may change on the basis of card type. Possible values:

consumer
business
unknown

token_iin

string The token IIN provided by the card network. When a token is created with card networks such as Visa or MasterCard, this field will have the token IIN. This will be useful to fetch all the token properties so that you can apply your existing IIN validations and processing. This field will be absent when the token is created by a token service provider other than the card network.

compliant_with_tokenisation_guidelines

boolean Indicates whether the token is compliant with the RBI guidelines. Possible values:

true: The token is compliant with RBI guidelines.
false: The token is not compliant with RBI guidelines.

service_provider_tokens

array Every Razorpay token will have one or more token service providers(card networks, issuing banks or Razorpay). For each service provider, Razorpay will return a service provider token. This service provider token is the raw token returned by the token service provider (card network or issuer). Currently, we will have only card networks as token service providers. In future, a token may be created with more than one service provider. A token can be created with one or more of the following service providers:

Handy Tips

The service_provider_tokens object is an on-demand feature, made available only to PCI DSS compliant businesses.

string The unique identifier of the token.

entity

string The name of the entity. Here, it is service_provider_token.

provider_type

string The type of provider through which the token was created. Possible values:

network
issuer
aggregator (When the token provider is Razorpay.)

provider_name

string The name of the provider through which the token was created. Possible values:

Visa
MasterCard
HDFC
razorpay

interoperable

boolean This field suggests if the token provided is interoperable across different acquirers. Possible values:

true: The token is interoperable.
false: The token is not interoperable.

status

string The current status for the token as provided by the token service provider. Possible values:

active
suspended
deactivated
failed
Know about the complete list of
token states
.

status_reason

string When the token status is deactivated, this field will provide the reason for deactivation. Possible values:

expired
deactivated_by_bank

provider_data

object Service provider data.

token_reference_number

string The token reference number provider by the token provider.

payment_account_reference

string The unique card identifier provided by the token provider. If the service_provider is network, this identifier will be consistent for a given card across the card network ecosystem.

token_iin

string The IIN of the token thus created. The IIN will be helpful to fetch all the properties of the token and apply your existing IIN validations and processes.

token_expiry_month

string The expiry date for the token. The format used is mm.

token_expiry_year

string The expiry year for the token. The format used is yyyy.

error

object Details of error.

code

string Type of the error.

description

string Description of the error.

field

string Name of the parameter that caused the error.

source

string The point of failure in token creation.

step

string The stage where the failure occurred.

reason

string The exact error reason.

metadata

object Contains additional information about the request.

expired_at

string The expiry timestamp for the token.

status

string The overall status for the token. Possible values:

initiated: The token attains this state after Razorpay has received the tokenisation request and is working with token service providers for creating the token.
active: The token attains this state if the token is activated for at least one of the token service providers.
suspended: The token attains this state if:
- The token is not activated for any one of the token service providers.
- The token is suspended for at least one of the token service providers.
deactivated: The token attains this state if the token is not active/suspended for any one of the token service providers and is deactivated for at least one token service provider.
Know about the complete list of
token states
.

status_reason

string When the token reaches the deactivated state, this field will provide the reason for deactivation. Possible values:

expired
deactivated_by_bank

notes

optional

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

1.1 Fetch Card Properties of an Existing Token

Use this API to retrieve card details such as network, issuer and so on for a given token.

POST

/tokens/fetch

Path Parameter

mandatory

string The unique identifier of the token.

1.2 Delete a Token

Use the following API to delete a token already saved with Razorpay.

POST

/tokens/delete

Request Parameter

mandatory

string The unique identifier of the token to be deleted.

2. Save Card Request along with Payment

Handy Tips

This API is available for testing.

You can create the token when your customer opts to save their card on your checkout during the first payment. As per RBI guidelines, you must collect customer consent to save their card.

Use the following API to save the customer card details and create a token.
Pass an additional field save=true to save and tokenise the card.
Use Razorpay Optimizer to route this payment to a PA/PG of your preference.

POST

/payments/create/json

Request Parameters

amount

mandatory

integer The payment amount you want to collect from the customer.

currency

mandatory

string The 3-character ISO code of the currency. Here, it is INR.

order_id

mandatory

string The unique identifier of the order created for this payment. Create an order using the

Orders API

customer_id

optional

string Unique identifier of customer.

mandatory

string The customer's email address.

contact

mandatory

string The customer's phone number.

method

mandatory

string The payment method. Here, it is card.

card

mandatory

object The details of the card.

name

string The cardholder's name.

number

string The card number.

expiry_month

string The expiry month of the card in mm format.

expiry_year

string The expiry year of the card in yy format.

cvv

mandatory

string The card's cvv.

save

mandatory

boolean Pass this parameter to save the card details. Possible values:

true: Saves the card details.
false: Does not save the card details.

notes

optional

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters each. For example, "note_key": "Beam me up Scotty”.

Redirect the customer to the above URL to complete the authentication.

Fetch the Token Information

The token is created only if the cardholder successfully completes 3DS authentication.

Use the Fetch Payment API to fetch the token.

GET

/payments/\{id\}?expand[]=token

3. Initiate Payment using Saved Token

When a customer initiates a subsequent payment using the saved card, use this API to make the payment.

Pass the token ID from the previous API request to initiate a payment using the token.
Use Razorpay Optimizer to route this payment to a PA/PG of your preference.

POST

/payments/create/json

Request Parameters

amount

mandatory

integer The payment amount you want to collect from the customer.

currency

mandatory

string The 3-character ISO code of the currency. Here, it is INR.

order_id

mandatory

string The unique identifier of the order created for this payment. Create an order using the

Orders API

mandatory

string The customer's email address.

contact

mandatory

string The customer's phone number.

method

mandatory

string The payment method. Here, it is card.

token

mandatory

string The unique identifier of the token.

card

mandatory

object The details of the card.

cvv

optional

string The card's cvv.

notes

optional

object Key-value pair that can be used to store additional information about the entity. Maximum 15 key-value pairs, 256 characters (maximum) each. For example, "note_key": "Beam me up Scotty”.

Handy Tips

Know more about the

S2S Integration payment flow

4. Process a Payment on another PA/PG with Token Created on Razorpay

To process a payment on the tokenised card on another PA/PG, you will need the token and relevant additional data for each token.

The data required may vary for different networks.
Use the API given below to obtain the token and the relevant data.
You can pass this data to any PA/PG to process the payment.

POST

/tokens/service_provider_tokens/token_transactional_data

Request Parameters

mandatory

string The unique identifier of the token.

Response Parameters

token_number

string The unique reference number generated for the token. For example, 4016981500100002.

cryptogram_value

string The token cryptogram value.

token_expiry_month

integer The token expiry month in mm format.

token_expiry_year

integer The token expiry year in yyyy format.

cvv

amex only

integer A dynamic 4-digit number printed on the front of the Amex card. This cvv should be passed in the CVV field to your PA/PG for processing the payment.