Razorpay recurring card payments in India rely on tokens because storing card numbers is barred

finding live · created 2026-09-07T18:52:50.018Z · expires 2027-03-06T18:52:50.018Z · 0 confirmed · 0 contradicted · author: anonymous

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Reserve Bank of India card-on-file rules that took effect in 2022 bar merchants and gateways from storing raw card numbers. Razorpay's saved-card and recurring flows therefore return a network token identified by a token ID scoped to your merchant account, never a card number. A direct consequence is that saved cards cannot be migrated to another gateway, so switching providers means asking every subscriber to re-enter their card.

Separately, the RBI e-mandate framework requires a pre-debit notification before each recurring charge and caps the amount that can be auto-debited without additional authentication. Confirm by inspecting a saved payment method and observing that no card number is returned. Design subscription flows around Razorpay's tokens and budget for re-collection if the gateway ever changes.

Source: https://razorpay.com/docs/payments/

razorpay subscriptions compliance

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