Razorpay Card Stack
Why lose revenue to errors you can control?
Every failed card payment is lost revenue. Don’t let 20% of card failures be on you.
FIX IT
Every flow you fix pays you back.
This one pays 4X.
Every flow you fix pays you back.
This one pays 4X.
Every flow you fix
pays you back.
This one pays 4X.
Push Provisioning
Saved cards on the trusted bank app, pushed to your checkout.
Upto 4% conversion boost
Native OTP
Authenticate right Inside your checkout. No redirects to Bank OTP Pages.
Up to 5% Success rate uptick
CardSync - CRED X VISA
Saved CRED cards sync across every Razorpay-powered checkout.
3.3x higher saved card spends
OTP Auto Assist
Auto-detects and submits OTP for faster checkout experience. No manual errors.
3X faster OTP experience
Biometric Authentication
Memory-free authentication experience with a simple fingerprint or facial scan.
35% reduction in OTP-frauds
CVV-Less Payments
No more having to enter CVVs in the saved card world.
Up to 4% conversion boost
Push
ProvisioningSaved cards on the trusted bank app, pushed to your checkout.
Upto 4% conversion boost
CardSync -
CRED X VISASaved CRED cards sync across every Razorpay-powered checkout.
3.3x higher saved card spends
Biometric Authentication
Memory-free authentication experience with a simple fingerprint or facial scan.
35% reduction in OTP-frauds
CVV - Less
PaymentsNo more having to enter CVVs in the saved card world.
Up to 4% conversion boost
Native
OTPAuthenticate right Inside your checkout. No redirects to Bank OTP Pages.
Up to 5% Success rate uptick
OTP Auto
AssistAuto-detects and submits OTP for faster checkout experience. No manual errors.
3X faster OTP experience
Push
ProvisioningSaved cards on the trusted bank app, pushed to your checkout.
Upto 4% conversion boost
CardSync -
CRED X VISASaved CRED cards sync across every Razorpay-powered checkout.
3.3x higher saved card spends
Biometric Authentication
Memory-free authentication experience with a simple fingerprint or facial scan.
35% reduction in OTP-frauds
CVV - Less
PaymentsNo more having to enter CVVs in the saved card world.
Up to 4% conversion boost
Native
OTPAuthenticate right Inside your checkout. No redirects to Bank OTP Pages.
Up to 5% Success rate uptick
OTP Auto
AssistAuto-detects and submits OTP for faster checkout experience. No manual errors.
3X faster OTP experience
Push
ProvisioningSaved cards on the trusted bank app, pushed to your checkout.
Upto 4% conversion boost
CardSync -
CRED X VISASaved CRED cards sync across every Razorpay-powered checkout.
3.3x higher saved card spends
Biometric Authentication
Memory-free authentication experience with a simple fingerprint or facial scan.
35% reduction in OTP-frauds
CVV - Less
PaymentsNo more having to enter CVVs in the saved card world.
Up to 4% conversion boost
Native
OTPAuthenticate right Inside your checkout. No redirects to Bank OTP Pages.
Up to 5% Success rate uptick
OTP Auto
AssistAuto-detects and submits OTP for faster checkout experience. No manual errors.
3X faster OTP experience
Push
ProvisioningSaved cards on the trusted bank app, pushed to your checkout.
Upto 4% conversion boost
CardSync -
CRED X VISASaved CRED cards sync across every Razorpay-powered checkout.
3.3x higher saved card spends
Biometric Authentication
Memory-free authentication experience with a simple fingerprint or facial scan.
35% reduction in OTP-frauds
CVV - Less
PaymentsNo more having to enter CVVs in the saved card world.
Up to 4% conversion boost
Native
OTPAuthenticate right Inside your checkout. No redirects to Bank OTP Pages.
Up to 5% Success rate uptick
OTP Auto
AssistAuto-detects and submits OTP for faster checkout experience. No manual errors.
3X faster OTP experience
Everyone builds a stack.
Few can back it, like us.
Everyone builds a stack.
Few can back it, like us.
Everyone builds a stack. Few can
back it, like us.
TokenHQ
TokenHQ
Your vault for your customers’ cards -100% RBI compliant, ready for repeat payments.
Your vault for your customers’ cards -100% RBI compliant, ready for repeat payments.
Direct Integration 2.0
Direct Integration 2.0
Integrate once, unlock every payment rail - no patchwork, no delays.
Integrate once, unlock every payment rail - no patchwork, no delays.
In-house Switch
In-house Switch
Smart routing built in-house, so your high-value transactions never take the long road.
Smart routing built in-house, so your high-value transactions never take the long road.
ACS
ACS
Authentication reimagined. From OTPs to biometrics - fewer drop-offs, higher conversions.
Authentication reimagined. From OTPs to biometrics - fewer drop-offs, higher conversions.
AI Risk Engine
AI Risk Engine
AI that doesn’t just detect risk, it predicts it. Every transaction, future-proof.
AI that doesn’t just detect risk, it predicts it. Every transaction, future-proof.
CUSTOMER STORIES
Proof of what’s possible when you
Play Your
Cards Right
We unlocked ₹5 Cr+ in GTV, a +2.43% card SR uplift in one month - thanks to Razorpay’s CVV-less, TokenHQ, OTP assist making flight checkouts seamless for our users.
Ameya Sood
AVP Product Payments
For both new and repeat buyers, features like TokenHQ, CVV-less, Native OTP, and Direct Integration unlocked a smoother checkout and +5% card SR uplift.
Nikhilendra Pratap Singh Deo
Co-Founder
With TokenHQ and Native OTP, we unlocked a 94.29% card success rate - powering seamless daily orders and a major shift to online purchases.
Nitin Kashyap
AVP - Product Development
Saved cards with Razorpay now power effortless repeat purchases- making reorders frictionless for our healthcare customers.
Gaurav Agarwal
Co-Founder
The Cards Stack boosted success rates by 5.23%, driving business growth and enhancing GIVA’s checkout experience.
Rishabh Kumar Chaudhary
AVP - Tech
With Razorpay’s Direct Network Integration, TokenHQ, CVV-Less Flow, we saw card payment success rates climb by 3.52% month-on-month
Purav Mistry
Head of Customer Experience
We deliver comfort in every step and Razorpay’s card stack boosted checkout success by 3.84% with zero friction.
Taran Chhabra
Founder & CEO
Achieved 99% saved card transactions with Razorpay’s TokenHQ, Dynamic Routing, and Native OTP.
Anmol Gupta
Associate Director (Product)
Razorpay slashed transaction time from 10s to under 2s, while TokenHQ, Native OTP, and CVV-less flow lifted card success rates by 1.6%.
Sarang Purandare
CTO
With Razorpay’s TokenHQ saved card transactions have made repeat purchases faster, turning first time shoppers into loyal customers.
Mrunal Panchal
Founder
Razorpay fixed every drop-off moment : from TokenHQ to CVV-less, Native OTP, and OTP Assist; creating a true 1-click, seamless checkout experience end to end.
Abhijeet Anand
Founder & CEO
Razorpay’s Card Stack features like Native OTP, OTP Assist, and TokenHQ helped us cut drop-offs on high-ticket orders.repeat customer base has grown to 14%.
Danish Chawla
Co-Founder
CUSTOMER STORIES
Proof of what’s possible when you
Play Your
Cards Right
We unlocked ₹5 Cr+ in GTV, a +2.43% card SR uplift in one month - thanks to Razorpay’s CVV-less, TokenHQ, OTP assist making flight checkouts seamless for our users.
Ameya Sood
AVP Product Payments
For both new and repeat buyers, features like TokenHQ, CVV-less, Native OTP, and Direct Integration unlocked a smoother checkout and +5% card SR uplift.
Nikhilendra Pratap Singh Deo
Co-Founder
With TokenHQ and Native OTP, we unlocked a 94.29% card success rate - powering seamless daily orders and a major shift to online purchases.
Nitin Kashyap
AVP - Product Development
Saved cards with Razorpay now power effortless repeat purchases- making reorders frictionless for our healthcare customers.
Gaurav Agarwal
Co-Founder
The Cards Stack boosted success rates by 5.23%, driving business growth and enhancing GIVA’s checkout experience.
Rishabh Kumar Chaudhary
AVP - Tech
With Razorpay’s Direct Network Integration, TokenHQ, CVV-Less Flow, we saw card payment success rates climb by 3.52% month-on-month
Purav Mistry
Head of Customer Experience
We deliver comfort in every step and Razorpay’s card stack boosted checkout success by 3.84% with zero friction.
Taran Chhabra
Founder & CEO
Achieved 99% saved card transactions with Razorpay’s TokenHQ, Dynamic Routing, and Native OTP.
Anmol Gupta
Associate Director (Product)
Razorpay slashed transaction time from 10s to under 2s, while TokenHQ, Native OTP, and CVV-less flow lifted card success rates by 1.6%.
Sarang Purandare
CTO
With Razorpay’s TokenHQ saved card transactions have made repeat purchases faster, turning first time shoppers into loyal customers.
Mrunal Panchal
Founder
Razorpay fixed every drop-off moment : from TokenHQ to CVV-less, Native OTP, and OTP Assist; creating a true 1-click, seamless checkout experience end to end.
Abhijeet Anand
Founder & CEO
Razorpay’s Card Stack features like Native OTP, OTP Assist, and TokenHQ helped us cut drop-offs on high-ticket orders.repeat customer base has grown to 14%.
Danish Chawla
Co-Founder
CUSTOMER STORIES
Proof of what’s possible when you
Play Your
Cards Right
We unlocked ₹5 Cr+ in GTV, a +2.43% card SR uplift in one month - thanks to Razorpay’s CVV-less, TokenHQ, OTP assist making flight checkouts seamless for our users.
Ameya Sood
AVP Product Payments
For both new and repeat buyers, features like TokenHQ, CVV-less, Native OTP, and Direct Integration unlocked a smoother checkout and +5% card SR uplift.
Nikhilendra Pratap Singh Deo
Co-Founder
With TokenHQ and Native OTP, we unlocked a 94.29% card success rate - powering seamless daily orders and a major shift to online purchases.
Nitin Kashyap
AVP - Product Development
With Razorpay’s Direct Network Integration, TokenHQ, CVV-Less Flow, we saw card payment success rates climb by 3.52% month-on-month
Purav Mistry
Head of Customer Experience
The Cards Stack boosted success rates by 5.23%, driving business growth and enhancing GIVA’s checkout experience.
Rishabh Kumar Chaudhary
AVP - Tech
Saved cards with Razorpay now power effortless repeat purchases- making reorders frictionless for our healthcare customers.
Gaurav Agarwal
Co-Founder
We deliver comfort in every step and Razorpay’s card stack boosted checkout success by 3.84% with zero friction.
Taran Chhabra
Founder & CEO
Achieved 99% saved card transactions with Razorpay’s TokenHQ, Dynamic Routing, and Native OTP.
Anmol Gupta
Associate Director (Product)
Razorpay slashed transaction time from 10s to under 2s, while TokenHQ, Native OTP, and CVV-less flow lifted card success rates by 1.6%.
Sarang Purandare
CTO
With Razorpay’s TokenHQ saved card transactions have made repeat purchases faster, turning first time shoppers into loyal customers.
Mrunal Panchal
Founder
Razorpay fixed every drop-off moment : from TokenHQ to CVV-less, Native OTP, and OTP Assist; creating a true 1-click, seamless checkout experience end to end.
Abhijeet Anand
Founder & CEO
Razorpay’s Card Stack features like Native OTP, OTP Assist, and TokenHQ helped us cut drop-offs on high-ticket orders.repeat customer base has grown to 14%.
Danish Chawla
Co-Founder
Razorpay Card Stack has been game-changing: we realized higher GMV from more successful transactions, fewer drop-offs, and greater customer confidence
Dhruv Toshniwal
Co-Founder & CEO
We unlocked ₹5 Cr+ in GTV, a +2.43% card SR uplift in one month - thanks to Razorpay’s CVV-less, TokenHQ, OTP assist making flight checkouts seamless for our users.
Ameya Sood
AVP Product Payments
For both new and repeat buyers, features like TokenHQ, CVV-less, Native OTP, and Direct Integration unlocked a smoother checkout and +5% card SR uplift.
Nikhilendra Pratap Singh Deo
Co-Founder
With TokenHQ and Native OTP, we unlocked a 94.29% card success rate - powering seamless daily orders and a major shift to online purchases.
Nitin Kashyap
AVP - Product Development
With Razorpay’s Direct Network Integration, TokenHQ, CVV-Less Flow, we saw card payment success rates climb by 3.52% month-on-month
Purav Mistry
Head of Customer Experience
The Cards Stack boosted success rates by 5.23%, driving business growth and enhancing GIVA’s checkout experience.
Rishabh Kumar Chaudhary
AVP - Tech
Saved cards with Razorpay now power effortless repeat purchases- making reorders frictionless for our healthcare customers.
Gaurav Agarwal
Co-Founder
We deliver comfort in every step and Razorpay’s card stack boosted checkout success by 3.84% with zero friction.
Taran Chhabra
Founder & CEO
Achieved 99% saved card transactions with Razorpay’s TokenHQ, Dynamic Routing, and Native OTP.
Anmol Gupta
Associate Director (Product)
Razorpay slashed transaction time from 10s to under 2s, while TokenHQ, Native OTP, and CVV-less flow lifted card success rates by 1.6%.
Sarang Purandare
CTO
With Razorpay’s TokenHQ saved card transactions have made repeat purchases faster, turning first time shoppers into loyal customers.
Mrunal Panchal
Founder
Razorpay fixed every drop-off moment : from TokenHQ to CVV-less, Native OTP, and OTP Assist; creating a true 1-click, seamless checkout experience end to end.
Abhijeet Anand
Founder & CEO
Razorpay’s Card Stack features like Native OTP, OTP Assist, and TokenHQ helped us cut drop-offs on high-ticket orders.repeat customer base has grown to 14%.
Danish Chawla
Co-Founder
Razorpay Card Stack has been game-changing: we realized higher GMV from more successful transactions, fewer drop-offs, and greater customer confidence
Dhruv Toshniwal
Co-Founder & CEO
We unlocked ₹5 Cr+ in GTV, a +2.43% card SR uplift in one month - thanks to Razorpay’s CVV-less, TokenHQ, OTP assist making flight checkouts seamless for our users.
Ameya Sood
AVP Product Payments
For both new and repeat buyers, features like TokenHQ, CVV-less, Native OTP, and Direct Integration unlocked a smoother checkout and +5% card SR uplift.
Nikhilendra Pratap Singh Deo
Co-Founder
With TokenHQ and Native OTP, we unlocked a 94.29% card success rate - powering seamless daily orders and a major shift to online purchases.
Nitin Kashyap
AVP - Product Development
With Razorpay’s Direct Network Integration, TokenHQ, CVV-Less Flow, we saw card payment success rates climb by 3.52% month-on-month
Purav Mistry
Head of Customer Experience
The Cards Stack boosted success rates by 5.23%, driving business growth and enhancing GIVA’s checkout experience.
Rishabh Kumar Chaudhary
AVP - Tech
Saved cards with Razorpay now power effortless repeat purchases- making reorders frictionless for our healthcare customers.
Gaurav Agarwal
Co-Founder
We deliver comfort in every step and Razorpay’s card stack boosted checkout success by 3.84% with zero friction.
Taran Chhabra
Founder & CEO
Achieved 99% saved card transactions with Razorpay’s TokenHQ, Dynamic Routing, and Native OTP.
Anmol Gupta
Associate Director (Product)
Razorpay slashed transaction time from 10s to under 2s, while TokenHQ, Native OTP, and CVV-less flow lifted card success rates by 1.6%.
Sarang Purandare
CTO
With Razorpay’s TokenHQ saved card transactions have made repeat purchases faster, turning first time shoppers into loyal customers.
Mrunal Panchal
Founder
Razorpay fixed every drop-off moment : from TokenHQ to CVV-less, Native OTP, and OTP Assist; creating a true 1-click, seamless checkout experience end to end.
Abhijeet Anand
Founder & CEO
Razorpay’s Card Stack features like Native OTP, OTP Assist, and TokenHQ helped us cut drop-offs on high-ticket orders.repeat customer base has grown to 14%.
Danish Chawla
Co-Founder
Razorpay Card Stack has been game-changing: we realized higher GMV from more successful transactions, fewer drop-offs, and greater customer confidence
Dhruv Toshniwal
Co-Founder & CEO
We unlocked ₹5 Cr+ in GTV, a +2.43% card SR uplift in one month - thanks to Razorpay’s CVV-less, TokenHQ, OTP assist making flight checkouts seamless for our users.
Ameya Sood
AVP Product Payments
For both new and repeat buyers, features like TokenHQ, CVV-less, Native OTP, and Direct Integration unlocked a smoother checkout and +5% card SR uplift.
Nikhilendra Pratap Singh Deo
Co-Founder
With TokenHQ and Native OTP, we unlocked a 94.29% card success rate - powering seamless daily orders and a major shift to online purchases.
Nitin Kashyap
AVP - Product Development
With Razorpay’s Direct Network Integration, TokenHQ, CVV-Less Flow, we saw card payment success rates climb by 3.52% month-on-month
Purav Mistry
Head of Customer Experience
The Cards Stack boosted success rates by 5.23%, driving business growth and enhancing GIVA’s checkout experience.
Rishabh Kumar Chaudhary
AVP - Tech
Saved cards with Razorpay now power effortless repeat purchases- making reorders frictionless for our healthcare customers.
Gaurav Agarwal
Co-Founder
We deliver comfort in every step and Razorpay’s card stack boosted checkout success by 3.84% with zero friction.
Taran Chhabra
Founder & CEO
Achieved 99% saved card transactions with Razorpay’s TokenHQ, Dynamic Routing, and Native OTP.
Anmol Gupta
Associate Director (Product)
Razorpay slashed transaction time from 10s to under 2s, while TokenHQ, Native OTP, and CVV-less flow lifted card success rates by 1.6%.
Sarang Purandare
CTO
With Razorpay’s TokenHQ saved card transactions have made repeat purchases faster, turning first time shoppers into loyal customers.
Mrunal Panchal
Founder
Razorpay fixed every drop-off moment : from TokenHQ to CVV-less, Native OTP, and OTP Assist; creating a true 1-click, seamless checkout experience end to end.
Abhijeet Anand
Founder & CEO
Razorpay’s Card Stack features like Native OTP, OTP Assist, and TokenHQ helped us cut drop-offs on high-ticket orders.repeat customer base has grown to 14%.
Danish Chawla
Co-Founder
Razorpay Card Stack has been game-changing: we realized higher GMV from more successful transactions, fewer drop-offs, and greater customer confidence
Dhruv Toshniwal
Co-Founder & CEO
You turned the toggle.
Now turn every failed checkout into revenue.
Turn Every Failed Checkout
Into Revenue.
Turn Every
Failed Checkout
Into Revenue.
#SaveTheCards
#SaveTheCards
#SaveTheCards
You turned the toggle.
Now turn every failed checkout into revenue.
Turn Every Failed Checkout
Into Revenue.
Turn Every
Failed Checkout
Into Revenue.
#SaveTheCards
#SaveTheCards
#SaveTheCards
Razorpay Card Stack
Why lose revenue to errors you can control?
Why lose revenue to errors you can control?
Every failed card payment is lost revenue. Don’t let 20% of card failures be on you.
FIX IT
No Saved Cards
Card number
4322 4890 2238 1725
Expiry date
CVV
23/03
CVV
Add new card
Continue
CVV Error
Proceed
Enter CVV
*Incorrect CVV
OTP Redirection
Proceed
Redirecting to Bank Page
This page will timeout in 2:34 mins
OTP Error
Proceed
2
7
8
4
1
1
Verify Secure OTP
Please enter correct OTP
Verify
Razorpay Card Stack
Why lose revenue to errors you can control?
Why lose revenue to errors you can control?
Every failed card payment is lost revenue. Don’t let 20% of card failures be on you.
FIX IT
No Saved Cards
Card number
4322 4890 2238 1725
Expiry date
CVV
23/03
CVV
Add new card
Continue
CVV Error
Proceed
Enter CVV
*Incorrect CVV
OTP Redirection
Proceed
Redirecting to Bank Page
This page will timeout in 2:34 mins
OTP Error
Proceed
2
7
8
4
1
1
Verify Secure OTP
Please enter correct OTP
Verify
Why lose revenue to errors you can control?
Why lose revenue to errors you can control?
Razorpay Card Stack
UNLOCK
SUCCESS
WITH
RAZORPAY
TOGGLE TO SAVE THE CARD
UNLOCK
SUCCESS
WITH
RAZORPAY
TOGGLE TO SAVE THE CARD