CVV-less Flow for Card Payments

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.

Handy Tips

CVV-less payments on RuPay is an on-demand feature. Reach out to our support team for more information.

Frequently Asked Questions (FAQs)

1. How can I handle the CVV field for Razorpay payments with saved cards?

The CVV field is optional by default for saved card payments on all networks. 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 accept CVV from customers?

Yes. You need to make the necessary UI changes to stop accepting CVV from your customers on saved card payments only.

3. Do all networks support CVV-less flow?

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

4. Which card issuers support CVV-less payments?

Besides Rupay cards, all issuers support CVV-less payments on other networks. For Rupay, given below is the list of supported issuers:

S No. | Issuing Bank Name

1 | AXIS BANK

2 | ICICI BANK

3 | KOTAK MAHINDRA BANK

4 | STATE BANK OF INDIA

5 | UNION BANK OF INDIA

6 | BANK OF BARODA

7 | HDFC BANK

8 | CANARA BANK

9 | IDBI BANK

10 | THE FEDERAL BANK

11 | UCO BANK

12 | CENTRAL BANK OF INDIA

13 | IDFC Bank

14 | BANDHAN BANK

15 | KARNATAKA BANK

16 | YES BANK LIMITED

17 | THE BHARAT COOP BANK

18 | INDIA POST PAYMENTS BANK

19 | UTKARSH SMALL FINANCE BANK

20 | CITIZEN CREDIT COOPERATIVE BANK

21 | SARASWAT COOPERATIVE BANK

22 | BARODA UP BANK

23 | TAMILNAD MERCANTILE BANK

24 | THE TAMILNADU STATE APEX COOP BANK

25 | THE KALUPUR COMMERCIAL CO OP BANK

26 | THE JAMMU AND KASHMIR BANK

27 | J AND K GRAMEEN BANK

28 | THE MUNICIPAL CO OP BANK

29 | PAYTM PAYMENTS BANK

30 | KERALA GRAMIN BANK

31 | MAHARASHTRA GRAMIN BANK

32 | MIZORAM RURAL BANK

33 | CHHATTISGARH RAJYA GRAMIN BANK

34 | THE CITIZENS URBAN CO OP BANK LTD JALANDHAR

35 | RAJASTHAN MARUDHARA GRAMIN BANK

36 | SARVA HARYANA GRAMIN BANK

37 | ELLAQUAI DEHATI BANK

38 | MADHYANCHAL GRAMIN BANK

39 | ANDHRA PRAGATHI GRAMEENA BANK

40 | ASSAM GRAMIN VIKAS BANK

41 | ODISHA GRAMYA BANK

42 | BARODA GUJARAT GRAMIN BANK

43 | BARODA RAJASTHAN KSHETRIYA GRAMIN BANK

44 | KARNATAKA GRAMIN BANK

45 | JHARKHAND RAJYA GRAMIN BANK

46 | SAURASHTRA GRAMIN BANK

47 | THE KARNATAKA STATE COOPERATIVE APEX BANK

48 | THE DISTRICT CO OP BANK LTD DEHRADUN

49 | KOOKMIN BANK

50 | AMBARNATH JAIHIND COOP BANK

51 | KARNATAKA VIKAS GRAMEENA BANK

52 | RAIGANJ CENTRAL COOP BANK

53 | SANGLI URBAN COOP BANK

54 | THE KURMANCHAL NAGAR SAHAKARI BANK

55 | UTKAL GRAMEEN BANK

56 | CHAITANYA GODAVARI GRAMEENA BANK

57 | FINCARE SMALL FINANCE BANK

58 | JANA SMALL FINANCE BANK LTD

59 | THE MEGHALAYA COOPERATIVE APEX BANK

60 | ARUNACHAL PRADESH RURAL BANK

61 | INDUSIND BANK

62 | MEGHALAYA RURAL BANK

63 | TELENGANA GRAMEENA BANK

64 | ANDHRA PRADESH GRAMEENA VIKAS BANK

65 | BHOPAL COOPERATIVE CENTRAL BANK

66 | FINGROWTH COOP BANK

67 | IRINJALAKUDA TOWN CO OPERATIVE BANK

68 | JILA SAHAKARI KENDRIYA BANK MARYADIT DURG

69 | KOLAR AND CHIKBALLAPURA DISTRICT CENTRAL COOPERATI

70 | KRISHNA BHIMA SAMRUDDHI AREA BANK

71 | UTTARAKHAND GRAMIN BANK

72 | CHIKMAGALUR PATTANA SAHAKARA BANK NIYAMITHA

73 | COASTAL LOCAL AREA BANK

74 | COL RD NIKAM SAINIK SAHAKARI BANK

75 | JILA SAHAKARI KENDRIYA BANK MARYADIT DHAR

76 | JILA SAHAKARI KENDRIYA BANK MYDT AMBIKAPUR AS ISSU

77 | MALDA DISTRICT CENTRAL COOP BANK

78 | MUGBERIA CENTRAL COOP BANK

79 | THE BELLARY DISTRICT COOP CENTRAL BANK

80 | THE DAKSHIN DINAJPUR DISTRICT CENTRAL COOP BANK

81 | THE HASSAN DISTRICT COOP CENTRAL BANK

82 | THE JAIPUR CENTRAL COOP BANK

83 | THE JUNAGADH JILLA SAHAKARI BANK

84 | THE SABARKANTHA DIST CENTRAL COOP BANK

85 | THE WEST BENGAL STATE COOP BANK

86 | UTTARAKHAND STATE COOP BANK

5. I have integrated with Standard Checkout on Razorpay. How does this feature impact me?

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

6. I have 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. Update your integration as follows:

• Modify the UI to stop collecting CVV from customers.
• For tokenised payments, the CVV field in the cards object can either be:
  • null
  • empty
  • removed entirely.

Watch Out!

Do not pass dummy CVV values.

7. 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.

8. 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 ensure 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.

9. 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 support team.

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

CVV-less flows are applicable to all tokenised transactions for all networks, irrespective of the payment amount.

11. 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 at the time of saving their card. Plain card payments still need to maintain cardholder security by mandating the CVV.