Cashfree Cards Suite
Overview
Cashfree’s Cards Suite is a full‑stack card payment solution built to eliminate the common failure points that cause card transactions to drop at checkout. It combines a frictionless front‑end experience with an enterprise‑grade infrastructure—including an in‑house switch, AI routing, and an interoperable token vault—so businesses see higher success rates without adding operational complexity.
What It Does
- Removes checkout friction: Replaces manual card entry, bank‑page OTP redirects, and CVV re‑entry with faster, safer alternatives.
- Runs on owned infrastructure: An in‑house switch, direct bank integrations, AI‑driven routing, and silent retries keep approvals in Cashfree’s control.
- Supports flexible business models: EMI on cards, standing instructions for subscriptions, and pre‑authorization for on‑delivery capture.
- Accepts domestic and international cards across Visa, Mastercard, RuPay, Amex, and Diners.
Key Capabilities
Frictionless Checkout Upgrades
| Upgrade | What Changes | Measured Impact |
|---|---|---|
| Biometric Payments (Passkeys) | Customer authenticates with fingerprint, face, or phone PIN; no OTP needed. Works with Visa and Mastercard. | Up to 5× faster, 10% higher success rate, 50% lower fraud |
| Card Link | Fetches cards already saved in CRED, Google Pay, or Samsung Pay directly into the checkout. No manual entry even for first‑time orders. | 3× faster first payment, 5% fewer drop‑offs, 5% higher success rates |
| Native OTP | OTP is auto‑read and auto‑submitted inside the checkout; the customer never leaves to a bank page. | ~5% higher success rate, 90% coverage across major banks |
| CVV‑Free on Saved Cards | Returning customers pay with a saved card without re‑entering the CVV. | Up to 10% fewer failures on saved cards, checkout completes in 4–5 seconds |
Business‑Specific Card Flows
- EMI on Cards: Offer equated monthly instalments to increase conversions on high‑value purchases. Reported 30% conversion increase.
- Standing Instructions on Cards: Set up recurring mandates for subscriptions with ~85% mandate success rate.
- Pre‑Authorization: Hold an amount at checkout and capture it only after fulfilment. No MDR/TDR on voids.
Enterprise Infrastructure
- In‑house switch: Approvals run on Cashfree’s own rails for higher success rates.
- AI routing: Each transaction takes the path most likely to succeed.
- Direct bank integrations: Enables on‑us routing for faster, more reliable authorisations.
- Silent retries: Failed charges are retried in the background before the customer notices.
- Interoperable Token Vault: RBI‑compliant tokenisation that works across payment aggregators, avoiding vendor lock‑in.
- Performance: 85% saved‑card success, 5 card networks, 99.99% uptime, 3% higher success rate.
Who It Helps
Businesses that accept card payments online and want to reduce checkout drop‑offs, improve authorisation rates, and simplify compliance. The suite is used by enterprises, D2C brands, subscription services, and marketplaces—including RedBus, which reported a 25% increase in conversions after adopting Cashfree’s card stack.
Buyer Questions This Page Should Answer
- Why do card payments fail at checkout? Many failures are preventable and happen on the payment page itself: manual card entry errors, timed‑out OTP redirects, wrong OTPs, or CVV friction. Cashfree removes these failure points with Card Link, Native OTP, biometrics, and CVV‑free flows.
- Is tokenisation mandatory, and what is interoperable tokenisation? RBI mandates that saved cards be stored as tokens. Cashfree’s Token Vault is India’s first interoperable solution, meaning your saved cards work across aggregators instead of being locked to one provider.
- What are CVV‑free payments? Returning customers can pay with a saved card without re‑entering the CVV, across Visa, Mastercard, RuPay, Amex, and Diners.
- How do I actually raise my card success rate? The biggest lever is infrastructure—an in‑house switch, AI routing, silent retries, and on‑us tokenisation. Checkout improvements like Card Link, passkeys, and CVV‑free add further lift but cannot overcome a ceiling set by rented rails.
Proof and Trust Signals
- Customer evidence: RedBus achieved a 25% increase in conversions and an 18% increase in conversions using Cashfree’s card payments.
- Network support: Works with Visa, Mastercard, RuPay, Amex, and Diners.
- Uptime: 99.99% platform availability.
- Compliance: RBI‑compliant interoperable tokenisation.
Pricing
Cashfree’s card payment pricing is available on the Payment Gateway Charges page. For volume‑based or custom pricing, contact sales.