CVV-less Flow for Card Payments

Save customer card details as tokens and enable CVV-less payment flows for customers via Razorpay.

Available in🇮🇳 India

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)

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.

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.

Do all networks support CVV-less flow?

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

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

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.

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.

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.

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.

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.

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.

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.