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Available in🇮🇳 India
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.
Watch Out!RazorpayX Lite is currently not available for new merchants. To set up a new RazorpayX account, refer to Current Account.
Payouts via IMPS, NEFT, and UPI are supported on both RazorpayX Lite and Current Account. Payouts via card mode is supported RazorpayX Lite. According to the RBI guidelines, merchants cannot save their customer’s card credentials (card number & other card data) on their own servers. You can either:
  • Make a payout via RazorpayX payouts to cards APIs without saving the card number. You have to collect the card number from the customer each time a payout is made.
  • Save a card number with a tokenisation service like Razorpay TokenHQ. Payouts to these tokenised cards can be made using the ‘card’ mode on RazorpayX.
Tokenisation is the process by which the original card number / Primary Account Number is replaced with a surrogate value called a token. According to the recent RBI guidelines, Payment Aggregators (PA)/ Payment Gateway (PG) and businesses cannot save their customers’ card numbers and other card data on their servers. Hence, you can save card numbers and make payouts to it only by creating tokens.You can create tokens using:
Watch Out!
  • Payouts via IMPS, NEFT and UPI are not supported via tokenised cards.
  • Token expiry month and year are mandatory in case of external service provider.
  • Payouts to tokenised cards is supported only for limited issuers on Visa and Mastercard. They are not supported via bank rails. Its only supported for the mode card.
  • Bank issuers/networks for payouts to tokenised and non-tokenised is different.
  • Bank issuers/networks for payouts via bank modes and card mode (Payouts via network rails).
Handy TipsThis feature is not enabled by default. Raise a request using the support form on the RazorpayX Dashboard to enable this feature for your account.

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Actions

The table below lists the various Payout to Card actions you can perform using the Dashboard, API and Bulk Upload: Know more about creating payouts to cards using APIs.

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Supported Networks and Banks

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 request.

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Card Networks

Card payouts are supported on the below card networks:
  • Diners Club
  • Mastercard
  • Visa
  • Amex
Watch Out!Payouts via Visa Direct and MasterCard Send are temporarily unavailable. Please watch this space for further updates.This is the latest version of the bank list and was last updated on April 24, 2023.
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:
The list of banks that support payouts to cards are as follows: