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Razorpay TokenHQ
Bengaluru, Karnataka, India
What it is
Razorpay TokenHQ helps businesses offer saved-card checkout by replacing card numbers with tokens. It connects businesses with multiple card networks and issuers, with Razorpay acting as a Token Requestor or as a connecting layer when a business already fills that role. TokenHQ works across Mastercard, RuPay and Visa, and Razorpay says its tokens can also be used with other payment gateways. Standard Checkout businesses have it enabled without integration; Custom Checkout businesses can request it. API or server-to-server checkout may require 0–3 weeks of integration work, depending on existing integrations and API count. A dashboard supports tracking and controlling token requests and creating custom reports, while APIs are described as suitable for high traffic volumes. Saving a card or creating a token requires customer consent and an additional authentication factor. The card-to-token relationship is held in a vault owned by a card network or issuing bank. Merchants may retain the card’s last four digits and issuer name for tracking or analytics. Pricing is on request.
For and against
For
- Works across Mastercard, RuPay and Visa.
- Tokens can be used through other gateways.
- Dashboard tracks and controls token requests.
- Custom reports can be created.
- Standard Checkout has no integration requirement.
Against
- Custom Checkout access must be requested.
- API or server-to-server integration may take 0–3 weeks.
- Pricing is available on request.
- Saving a card requires consent and additional authentication.
The verdict
TokenHQ provides a token-based approach to saved-card checkout with dashboard controls and cross-gateway use. Businesses should account for possible integration effort and request pricing details.
Who it suits
TokenHQ suits businesses and merchants that want to offer saved-card checkout, including those using other payment gateways. Standard Checkout users can use it without integration; custom or server-to-server setups may need additional work.
Plans and prices
TokenHQ
Standard and custom checkout: zero added cost per Razorpay article · S2S saved-card transaction fee mentioned, amount not stated
Read 4 Oct 2026 · razorpay.com
On the record
- APIs
- Razorpay describes TokenHQ APIs as developer-friendly and scalable for high traffic volumes.razorpay.com · read 4 Oct 2026
- Checkout availability
- TokenHQ is auto-enabled without integration for Standard Checkout businesses; Custom Checkout businesses can request it on demand.razorpay.com · read 4 Oct 2026
- Company
- Razorpay's about page lists its headquarters in Bengaluru, India; its newsroom says it was founded in 2014.razorpay.com · read 4 Oct 2026
- Consent and authentication
- Razorpay's page says customer consent and an additional factor of authentication are required to save a card or create a token.razorpay.com · read 4 Oct 2026
- Cross-gateway use
- Razorpay says tokens can be used to process payments through other payment gateways.razorpay.com · read 4 Oct 2026
- Dashboard
- The dashboard supports tracking and controlling token requests and creating custom reports.razorpay.com · read 4 Oct 2026
- Merchant data limit
- Razorpay says merchants may continue storing the card's last four digits and issuer name for tracking or analytics.razorpay.com · read 4 Oct 2026
- Networks and issuers
- Razorpay describes TokenHQ as a unified solution connecting businesses with multiple card networks and issuers.razorpay.com · read 4 Oct 2026
- Payment networks
- Razorpay's launch announcement says TokenHQ works across Mastercard, RuPay, and Visa.razorpay.com · read 4 Oct 2026
- Purpose
- TokenHQ replaces card numbers with tokens so businesses can offer customers a saved-card payment experience.razorpay.com · read 4 Oct 2026
- Razorpay's role
- Razorpay says it acts as a Token Requestor connecting businesses to card networks and/or issuing banks, or as a connecting layer when the business is itself a Token Requestor.razorpay.com · read 4 Oct 2026
- S2S integration
- API-integrated or server-to-server checkout may require 0–3 weeks of integration effort, depending on existing integrations and API count.razorpay.com · read 4 Oct 2026
- Security
- Razorpay says tokenisation substitutes a card number with a token and that the token-to-card relationship is held in a vault owned by a card network or issuing bank.razorpay.com · read 4 Oct 2026
- Support
- The TokenHQ page offers a free consultation with Razorpay experts and a request-meeting option.razorpay.com · read 4 Oct 2026
- Who it is for
- Razorpay presents TokenHQ for businesses and merchants seeking to keep offering saved-card checkout, including those using other payment gateways.razorpay.com · read 4 Oct 2026
