{"id":37567,"date":"2026-07-09T12:13:25","date_gmt":"2026-07-09T06:43:25","guid":{"rendered":"https:\/\/blogrevamp.cashfree.com\/?p=37567"},"modified":"2026-07-09T17:00:45","modified_gmt":"2026-07-09T11:30:45","slug":"sarahs-first-card-payment-and-every-faster-one-after","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/","title":{"rendered":"Sarah&#8217;s First Card Payment, and Every Faster One After"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f173f9915c\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f173f9915c\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#Sarah_Begins_her_first_card_payment_without_the_friction\" >Sarah Begins: her first card payment without the friction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#Sarah_Returns_for_faster_repeat_card_payments\" >Sarah Returns: for faster repeat card payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#Beyond_Sarah_lifting_your_card_payment_success_rate\" >Beyond Sarah: lifting your card payment success rate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#The_impact_at_a_glance\" >The impact, at a glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#Frequently_asked_questions\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#Why_do_card_payments_fail_at_checkout\" >Why do card payments fail at checkout?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#What_is_a_good_card_payment_success_rate\" >What is a good card payment success rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#How_can_merchants_reduce_card_payment_failures\" >How can merchants reduce card payment failures?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#Can_customers_pay_by_card_without_an_OTP_redirect\" >Can customers pay by card without an OTP redirect?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#What_are_CVV-free_payments\" >What are CVV-free payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/#What_are_passkey_payments\" >What are passkey payments?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Indian shoppers already know what a great payment feels like. UPI made it fast, frictionless, and almost invisible. A couple of taps and it&#8217;s done. Cards never got that upgrade. A card payment still makes the shopper stop and work through it, step by step.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What if paying by card could feel like UPI, with no number, no CVV, no OTP, sometimes nothing more than a glance? That&#8217;s what Cashfree enables at your checkout. Here is what that screen looks like <strong>when it&#8217;s built to convert.<\/strong> We follow one customer through two card payments: her first impulse buy, and her second purchase when she comes back.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sarah just found your skincare brand and filled her cart. At checkout, she pauses. She&#8217;s about to type her card details into a brand she met minutes ago. Roughly a third of first-time shoppers give up right here. It isn&#8217;t the bank or the network, and it isn&#8217;t something to hand off to your payment provider. This is revenue you&#8217;ve already earned, leaking out on the last screen, and that screen is yours to shape.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sarah_Begins_her_first_card_payment_without_the_friction\"><\/span><strong>Sarah Begins: her first card payment without the friction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The hard part of a first order isn&#8217;t price or shipping. It&#8217;s speed. Close to 40% of online spending now comes from impulse buys, and impulse shoppers want instant gratification, not a wait. Sarah is in exactly that frame of mind: she wants the serum now, and every extra second of effort is a second to reconsider. So the moment you ask her to type out a 16-digit card number, you&#8217;ve hit the number one place a first-time sale slips away.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But what if her favourite cards just appeared at checkout, with no number to enter? That&#8217;s what <strong>Cardlink by Cashfree<\/strong> does. Made in partnership with third-party payment apps like CRED, Samsung Pay and Google Pay and powered by network giants Visa and Mastercard, it surfaces a card a shopper has already saved in an app they use every day. They tap it and pay, never typing a card number, CVV or expiry.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"683\" height=\"1024\" data-attachment-id=\"37631\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/group-2147224933-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?fit=2068%2C3102&amp;ssl=1\" data-orig-size=\"2068,3102\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Group 2147224933 (1)\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?fit=683%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=683%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-37631\" style=\"aspect-ratio:0.6669986483602476;width:294px;height:auto\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=683%2C1024&amp;ssl=1 683w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=1024%2C1536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=1365%2C2048&amp;ssl=1 1365w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?resize=1200%2C1800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224933-1.png?w=1540&amp;ssl=1 1540w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">But Sarah hasn&#8217;t saved a card in any of those apps yet, so during this first time purchase she enters her card details manually. The manual path is built to be just as quick, and what she does here earns her a one-tap payment authentication.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Streamlined card payments experience.<\/strong> The form is kept as short as it can be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accepted payment methods <\/strong>are shown upfront, so she knows her card will work before she begins.<\/li>\n\n\n\n<li><strong>Real-time BIN identification <\/strong>recognises the card as she enters it, for a smoother flow.<\/li>\n\n\n\n<li><strong>Instant, actionable error<\/strong>s like &#8220;Card not supported&#8221; or &#8220;Invalid CVV&#8221; point her to the fix right away instead of leaving her stuck.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">With her card entered, the bank wants to be sure it&#8217;s really her. This is usually where a payment turns fragile: a redirect out to the bank&#8217;s page, a wait for a code, a screen that can time out before it loads. It&#8217;s one of the biggest reasons card payments fail. Sarah, though, doesn&#8217;t go anywhere. With <strong>Native OTP<\/strong>, the code is captured right here on your checkout, and on her phone it&#8217;s read and filled in a single tap. Verification happens almost before she notices, and skipping that redirect is worth around 5% in success rates on its own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As the payment clears, the checkout asks her to do one small thing:<strong> set a passkey. <\/strong>It takes a few seconds, and it matters more than it looks. From here on, Sarah is done with OTPs. The next time she pays there&#8217;s no code to wait for and nothing to type, just a face scan, a fingerprint or her phone PIN, and she&#8217;s through in under a second. With a<strong> passkey from Visa and Mastercard,<\/strong> she <strong>becomes the key to every payment that follows.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"560\" height=\"1024\" data-attachment-id=\"37633\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/group-2147224934-1\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?fit=1799%2C3290&amp;ssl=1\" data-orig-size=\"1799,3290\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"Group 2147224934 (1)\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?fit=560%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=560%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-37633\" style=\"aspect-ratio:0.5468900442903909;width:249px;height:auto\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=560%2C1024&amp;ssl=1 560w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=164%2C300&amp;ssl=1 164w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=768%2C1405&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=840%2C1536&amp;ssl=1 840w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=1120%2C2048&amp;ssl=1 1120w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?resize=1200%2C2195&amp;ssl=1 1200w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?w=1799&amp;ssl=1 1799w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/Group-2147224934-1.png?w=1540&amp;ssl=1 1540w\" sizes=\"(max-width: 560px) 100vw, 560px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sarah_Returns_for_faster_repeat_card_payments\"><\/span><strong>Sarah Returns: for faster repeat card payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The serum worked, so Sarah&#8217;s back for a second bottle. The product is what brought her back, and the setup from her first checkout, a passkey created, is what makes this one effortless. <strong>More than 60% of shoppers never return<\/strong> after a single failed payment.<strong> Sarah&#8217;s first payment didn&#8217;t fail, which is the only reason there&#8217;s a second<\/strong>. .&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This time, the checkout is working in her favour the moment the page loads. Her saved card is already there, selected and waiting. When a shopper has more than one saved card, the <strong>checkout uses AI<\/strong> to check which one has the best chance of going through, and selects it. Either way, there&#8217;s no scrolling and no hunting.&nbsp; <strong>She doesn&#8217;t reach for an OTP or a CVV. <\/strong>The passkey she set up last time does the rest: one tap, a quick Face scan, and the payment is through in under a second. Her first visit cost her a few seconds of setup, and this is the return on it, <strong>up to 5X faster, with roughly 10% higher success<\/strong> once OTP step is put away.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"441\" height=\"1024\" data-attachment-id=\"37572\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/sarahs-first-card-payment-and-every-faster-one-after\/image-125\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?fit=752%2C1746&amp;ssl=1\" data-orig-size=\"752,1746\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?fit=441%2C1024&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?resize=441%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-37572\" style=\"aspect-ratio:0.4306679075094853;width:264px;height:auto\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?resize=441%2C1024&amp;ssl=1 441w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?resize=129%2C300&amp;ssl=1 129w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?resize=662%2C1536&amp;ssl=1 662w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2026\/07\/image-7.png?w=752&amp;ssl=1 752w\" sizes=\"(max-width: 441px) 100vw, 441px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beyond_Sarah_lifting_your_card_payment_success_rate\"><\/span><strong>Beyond Sarah: lifting your card payment success rate<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sarah isn&#8217;t one customer. She stands in for millions like her, and they all come down to a single idea. For a first-time buyer, the checkout removes the barriers to finishing. For a returning one, it removes almost all of the effort. The same stack works for whatever you sell. Whether it&#8217;s travel, electronics or quick-commerce, the details change but those two moments never do.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A failed payment is revenue you had already earned and then lost on the last screen. That screen has always been yours. The Cashfree Cards Suite, built over a decade with category leaders, is designed to win it back. For a feature-by-feature breakdown, see the full Cards Suite guide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to optimise your card payment experience?<\/strong> Talk to a <a href=\"https:\/\/www.cashfree.com\/contact-sales\/\">Cashfree payments expert<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_impact_at_a_glance\"><\/span><strong>The impact, at a glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Each innovation in the Suite maps to a measurable reduction in drop-offs and a lift in success rates:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Innovation<\/strong><\/td><td><strong>Measured impact<\/strong><\/td><\/tr><tr><td><strong>Cardlink<\/strong><\/td><td>Up to 3X faster first payments, 5% lower drop-offs, 5% higher success rates<\/td><\/tr><tr><td><strong>Native OTP<\/strong><\/td><td>5% higher success rates, with 90% coverage across major issuing banks<\/td><\/tr><tr><td><strong>CVV-Free payments<\/strong><\/td><td>Up to 10% fewer failures on saved-card transactions<\/td><\/tr><tr><td><strong>Passkeys authentication<\/strong><\/td><td>Up to 5x faster payments, 10% higher success rates, 50% lower fraud<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span><strong>Frequently asked questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_do_card_payments_fail_at_checkout\"><\/span><strong>Why do card payments fail at checkout?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Card payment failures fall into two buckets. Some are genuinely on the customer or bank side, like insufficient funds or an expired card. But a large, preventable share happens on the payment page itself: manual card entry, a slow or timed-out OTP redirect, a wrong OTP, or a CVV the shopper has to hunt for. Those page-level failures are the ones a merchant can actually fix.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_good_card_payment_success_rate\"><\/span><strong>What is a good card payment success rate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It varies by market and payment method, and the most useful benchmark is your own trend over time. As a rule of thumb, many merchants aim for a card success rate above 90% and treat anything lower as recoverable. Removing redirects, saved-card friction and OTP errors is usually where the fastest gains come from.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_merchants_reduce_card_payment_failures\"><\/span><strong>How can merchants reduce card payment failures?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cut the steps where shoppers drop off. Let returning customers pay without re-entering details, remove the CVV on saved cards, keep OTP authentication inside your app instead of redirecting to the bank, and offer biometric passkeys so there is no OTP to fail. Each one removes a common, preventable point of failure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_customers_pay_by_card_without_an_OTP_redirect\"><\/span><strong>Can customers pay by card without an OTP redirect?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. With Native OTP, the code is fetched and submitted inside your app or site, so there is no slow redirect to the bank&#8217;s page. With a passkey from Visa and Mastercard, the OTP is replaced entirely by a face or fingerprint scan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_CVV-free_payments\"><\/span><strong>What are CVV-free payments?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CVV-free payments let returning customers pay with a saved card without re-entering the CVV, across networks like Visa, Mastercard, RuPay, AmEx and Diners. It removes a recurring point of failure and speeds up checkout.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_passkey_payments\"><\/span><strong>What are passkey payments?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A passkey is a biometric credential, set up once, that authenticates future payments with a face or fingerprint scan in under a second. It replaces the OTP, which removes OTP errors and is materially more secure than SMS codes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indian shoppers already know what a great payment feels like. UPI made it fast, frictionless, and almost invisible. A couple of taps and it&#8217;s done. Cards never got that upgrade. A card payment still makes the shopper stop and work through it, step by step. What if paying by card could feel like UPI, with<\/p>\n","protected":false},"author":147,"featured_media":37628,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1383],"tags":[],"class_list":["post-37567","post","type-post","status-publish","format-standard","has-post-thumbnail","category-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Reduce Card Payment Failures at Checkout | Cashfree<\/title>\n<meta name=\"description\" content=\"Most card payment failures happen on the payment page, not at the bank. 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