The Cashfree Cards Suite
Card payments so seamless, they feel invisible.
Built on India's most advanced card stack, so higher success rates follow.
CHOSEN BY ONE OF A KIND BUSINESSES
The suite, in three parts
Biometric payments, Card Link, Native OTP and CVV-free. Experience it now.
EMI, subscriptions and pre-authorization on cards. See the use cases.
In-house switch, Token Vault, AI routing and direct integrations. See what powers it
Every friction point on a card payment, gone.
Four upgrades, built into the Cashfree checkout.
Your customer becomes the key.
A face or a fingerprint is all it takes, and the payment clears in under a second with no OTP to wait for or get wrong.
Passkeys - Visa & Mastercard
The OTP is replaced by the customer's own fingerprint, face or phone PIN, on the devices they already trust.
5Xup to 5× faster
10%Higher SR
50%Lower Fraud
Typing card numbers in 2026? Not here.
The cards your customer has already saved in CRED, Google Pay or Samsung Pay are fetched straight to your checkout. They pick one and pay, so there's no card number to type even on a first-time order.
3×faster first payment
5%fewer drop-offs
5%higher success rates
Redirected to your bank for an OTP? We don't do that.
The OTP is auto-read and auto-submitted right inside your checkout, so the customer never gets bounced to a bank page. No redirects and no screen to time out, which is where most card payments quietly fail.
90% coverage across major banks
~5%higher SR
Hunting for the CVV again? Not on saved cards.
Returning customers pay with a saved card without digging out those three digits again, across Visa, Mastercard, RuPay, Amex and Diners. One less field to fumble, one less reason for a payment to drop.
10%up to 10% fewer failures on saved cards
4-5checkout in 4-5 seconds
Every business runs differently. Your card stack should too.
Switch on EMIs, subscriptions or pre-authorisation and accept Indian and international cards alike. Use only what fits your business.
EMI on Cards
Make big-ticket buys easy to say yes to.
Standing Instructions on Cards
Keep subscriptions renewing without silent failures.
Pre-Authorization
Hold the amount now, capture it only once you deliver.
The experience is the part you see. This is why it holds up.
The stack underneath the checkout, owned end to end so success rates stay in our hands.
In-house switch
Approvals run on our own rails, so more payments are successful.
AI routing
Every payment takes the path most likely to be successful.
Direct integrations
Connected directly to banks for on-us routing.
Silent retries
A failed charge is quietly retried before the customer notices.
85%saved-card success
5Card networks
99.99uptime
3%higher success rate
Frequently asked questions
Why do card payments fail at checkout?
Some failures are genuinely bank or customer side, like an expired card or low funds. But a large, preventable share happens on the payment page itself: manual card entry, a timed-out OTP redirect, a wrong OTP, a CVV that is hard to find. Those are exactly the ones Cashfree removes. Card Link does away with manual entry, Native OTP drops the redirect, biometrics replaces the OTP altogether, and CVV-free clears the last field. The page-level failures simply stop happening.
Is tokenization mandatory, and what is interoperable tokenization?
RBI requires saved cards to be stored as tokens. What you control is how they are created. Cashfree's Token Vault is India's first interoperable solution, so your saved cards work across aggregators rather than being locked to one.
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, for a friction-free experience.
How do I actually raise my card success rate?
The biggest lever is infrastructure, not checkout settings: an in-house switch, AI routing, silent retries and on-us tokenization. Checkout improvements like Card Link, passkeys and CVV-free help on top, but they can't lift a ceiling set by rented rails.
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Give your customers the payment experience that feels invisible.
The smoothest card experience in India, on a stack built to push your success rates higher.
