X

Payouts

Cards

Payouts to Cards

Make payouts directly to a debit or a credit card using RazorpayX Lite.

With RazorpayX, you can make payouts directly to a credit card, debit card, or prepaid card. The process of making a payout to a card is the same as other payouts.

Payouts via IMPS, NEFT, and UPI are supported on both RazorpayX Lite and Current account. Payouts via card mode is supported RazorpayX Lite.

Payouts to Cards

According to the RBI guidelines, merchants cannot save their customer’s card credentials (card number & other card data) on their own servers.

To save a card number, you can use a tokenisation service like

Razorpay TokenHQ

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

After collecting card number from the customer, there are 3 ways to make the payout:

  • Make a payout via RazorpayX payouts to cards APIs. Here, the card numbers will not be saved. You have to collect the card number from the customer each time a payout is made.

  • Tokenise the card with

    Razorpay TokenHQ

    and make a payout to the token via RazorpayX.

    Handy Tips

    • Cards have to be tokenised with a token service provider via a

      Razorpay TokenHQ

      .
    • Tokenisation is not available via RazorpayX APIs.

  • Tokenise the card with non-Razorpay token services and then make a payout to the token via RazorpayX.

Watch Out!

  • Bank issuers/networks for payouts to tokenised and non-tokenised is different.
  • Payouts to tokenised cards is supported only for limited issuers on Visa and MasterCard.
  • Payouts to tokenised cards are not supported via bank rails. It's only supported for the mode card.
  • Bank issuers/networks for payouts via bank modes and card mode (Payouts via network rails).

Handy Tips

This feature is not enabled by default. Raise a request using the support form on the RazorpayX Dashboard to enable this feature for your account.

Actions

The table below lists the various Payout to Card actions you can perform using the Dashboard, API and Bulk Upload:

ActionAPIDashboardBulk Upload
Create a payout to a card✓xx
View payout details✓✓x

Know more about

creating payouts to cards using APIs

.

Supported Networks and Banks

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 requesting it. Contact our

    support team to raise a request

    for the same.

Card Networks

Card payouts are supported on the below card networks:

  • Diners Club
  • Mastercard
  • Visa
  • Amex

Payouts via Bank Transfer

You can make payouts via bank transfers using this traditional bank transfers such as NEFT, IMPS, and UPI. This method of making payouts via bank transfers is possible only for non-tokenised cards. Payment is supported on all card networks, but only for credit cards. Here is a list of banks and the supported payout mode:

Issuer Bank NameIssuer Bank CodeSupported Method
RBLRATNNEFT
State Bank of IndiaSBINNEFT
Axis BankUTIBNEFT
IMPS
HDFC BankHDFCIMPS
NEFT
ICICI BankICICINEFT
UPI
Andhra BankANDBIMPS
NEFT
Bank of AmericaBOFANEFT
Bank of BarodaBARBNEFT
Bank of IndiaBKIDNEFT
Canara BankCNRBNEFT
CitibankCITINEFT
Corporation BankCORPNEFT
HSBC BankHSBCNEFT
IDBI BankIBKLNEFT
Indian Overseas BankIOBANEFT
IndusInd BankINDBIMPS
NEFT
Kotak Mahindra BankKKBKIMPS
NEFT
Punjab National BankPUNBNEFT
Syndicate BankSYNBNEFT
Union Bank of IndiaUBINNEFT
Yes BankYESBNEFT
American ExpressAMEXIMPS
NEFT
UPI

Payout via Card Networks

The list of banks that support payouts to cards are as follows:

Issuer Bank NameIssuer Bank CodeNetworkCard Type
Airtel Payments BankAIRPMastercard SendDebit
Axis BankUTIBVisa Direct
Mastercard Send		Debit
Bank of IndiaBKIDVisa DirectDebit
Bank of MaharashtraMAHBVisa DirectDebit
Canara BankCNRBVisa Direct
Mastercard Send		Debit
Central Bank of IndiaCBINMastercard SendDebit
Corporation BankCORPVisa DirectDebit
Development Credit Bank LtdDCBLVisa DirectDebit
Federal BankFDRLVisa Direct
Mastercard Send		Debit
ICICI BankICICVisa DirectDebit
IDBI BankIBKLVisa Direct
Mastercard Send		Debit
IDFC BankIDFBVisa DirectDebit
Indian BankIDIBMastercard SendDebit
IndusInd BankINDBVisa Direct
Mastercard Send		Debit
Credit
J & K BankJAKAMastercard SendDebit
Kotak BankKKBKVisa DirectDebit
Oriental Bank of CommerceORBCVisa DirectDebit
RBL BankRATNMastercard SendDebit
State Bank of IndiaSBINVisa Direct
Mastercard Send		Debit
Credit
Standard Chartered BankSCBLVisa Direct
Mastercard Send		Debit
Credit
Syndicate BankSYNBMastercard SendDebit
The Federal Bank LtdFDRLVisa DirectDebit
The South Indian Bank LtdSIBLVisa DirectDebit
Yes BankYESBMastercard SendDebit
Credit

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