General FAQs

What is card tokenization?
Card Tokenization is the process of replacing sensitive card information like card number, card expiry with a cryptographically generated random string, ref...
Wed, 17 Nov, 2021 at 10:28 AM
What are the RBI guidelines on tokenization?
The RBI guidelines on card tokenization are as follows, Payment aggregator, payment gateway or merchants cannot store card numbers on their servers eve...
Wed, 17 Nov, 2021 at 10:30 AM
Why do I need Token Vault by Cashfree Payments?
Any merchant offering the save card feature to their customers will have to do so by provisioning a token instead of saving the actual card number. Token Va...
Wed, 17 Nov, 2021 at 10:32 AM
If a merchant is PCI/DSS compliant and was saving cards on their own server how can they meet RBI’s compliance requirement?
If you are a merchant who already PCI/DSS compliant, here is what you need to do to stay RBI compliant, Merchants who were saving the card number on their...
Wed, 17 Nov, 2021 at 10:35 AM
What all card details can I save once with tokenization in place?
Merchants are allowed to store only the last 4 digits of the actual card number, card scheme and issuing bank name. They cannot store other details like car...
Wed, 17 Nov, 2021 at 10:35 AM
Can I retrieve the actual card number using the card network token?
No, merchants will not be able to get the actual card number back from the tokenized cards. Only schemes and issuing banks will be able to do so.
Wed, 17 Nov, 2021 at 10:36 AM
Can I provision card network token without taking consent from customer?
No, explicit consent of customer is mandatory while provisioning token for the card.
Wed, 17 Nov, 2021 at 10:37 AM
Can I provision card network token without the customer completing 2FA?
If 2FA fails even after the customer had given consent to tokenize the card, merchants will not be able to provision token and save the card.
Wed, 17 Nov, 2021 at 10:38 AM
Does a merchant need to re-provision the already saved cards on another PA/PG if they wish to shift from Cashfree to some other PA/PG?
Yes, the token reference number of tokens provisioned through Cashfree will be saved with Cashfree only. However, merchants can fetch the card network token...
Wed, 17 Nov, 2021 at 10:39 AM
Does tokenization affect any other payment mode other than cards? Which all card transactions are affected?
No, tokenization is limited only for card payments. All card payments like credit, debit, prepaid and corporate credit cards are impacted.
Wed, 17 Nov, 2021 at 10:39 AM