CardSync by Razorpay

CardSync is an industry-first payment solution that eliminates checkout friction. CardSync allows customers to use cards they have saved on popular apps like CRED directly on the Razorpay Checkout, with just one tap. Customers can complete payments instantly using their pre-saved card credentials instead of manually entering their 16-digit card number, CVV and expiry date every time.

This streamlined experience is built on VISA’s secure device tokenisation framework and fully complies with RBI guidelines for device tokenisation, ensuring both convenience and security.

Advantages

Here are some advantages of CardSync:

• Reduced cart abandonment: Eliminate payment friction that drives customers away.

• Zero setup cost: Included at no additional charge with your Razorpay account.

• Instant implementation: Automatically enabled for all Standard Checkout integrations.

• Enhanced customer experience: Build loyalty through effortless repeat transactions.

• Link once, pay anywhere: Link your card once on any Razorpay business and use it seamlessly across all instances of Razorpay Standard Checkout.

• One-tap payments: Skip entering 16-digit card numbers, CVV and expiry details every time.

• Universal compatibility: Saved cards work seamlessly across the entire Razorpay ecosystem.

• Bank-grade security: Secured by Visa’s advanced tokenisation technology.

• Zero friction setup: Leverages cards already stored in trusted platforms like CRED.

• Always synchronised: Card updates in CRED automatically reflect across all businesses.

Prerequisites

Your customers can use CardSync if they:

1. Step 1

   Have an Android device with a Chromium browser for mobile web (iOS support coming soon).

2. Step 2

   Have the CRED app installed.

3. Step 3

   Have at least one VISA card saved in CRED (Mastercard support coming soon).

4. Step 4

   Have given permission in CRED to share information with partners.

Getting Started

Who Can Use CardSync: All Razorpay businesses are eligible to use CardSync. The feature is currently enabled for Standard Checkout, with SDK and server-to-server support coming soon.

How CardSync Works

Here is how CardSync works and what your customers experience:

Setting Up (One Time Only)

1. Customer saves their card in CRED and provides consent to share information with Razorpay partners.

2. The card is safely stored on their Android device following banking rules.

3. They are ready to shop anywhere that uses Razorpay.

Easy Shopping

1. At checkout, their saved CRED cards are shown (with their permission).

2. Card details are automatically displayed, so no typing is required.

3. Customers tap to select their card and complete payment instantly.

Given below is a complete end-to-end flow about how customers can use CardSync:

Setup Process

For Standard Checkout Businesses: CardSync is enabled automatically, so no changes are needed on your end. If it is not enabled for your account, contact your Account Manager for assistance.

SDK and Server-to-Server Businesses: Support for SDK and S2S will be available soon. Minor code changes will be required for integration. The Razorpay Support team is available to help with implementation.

Cost: CardSync is completely free for all Razorpay businesses. There are no additional costs for businesses who already accept card payments.

FAQs (Frequently Asked Questions)

Here are some faqs regarding the CardSync Feature:

1. Which businesses are eligible for CardSync?

All Razorpay businesses are eligible for this feature. As of now, it is enabled for Standard Checkout, with support for SDK and S2S following soon.

2. How can businesses enable device tokenisation for their customers?

Standard Checkout businesses have this feature enabled automatically. If it is not enabled, contact your Account Manager.

3. What are the customer requirements for CardSync?

Customers need an Android device with the CRED app installed, at least one saved card on CRED, must be logged into CRED using the same phone number as checkout, and must have given consent on the CRED app to share their information with partners.

4. What types of payments does CardSync support?

CardSync currently supports one-time payments only.

5. What is the cost of CardSync for businesses?

It is completely free. There is no additional cost for Razorpay businesses with the card payment method enabled.

Related Information

Introducing CardSync: Razorpay’s Ecosystem-wide Saved Card Solution