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SPECIFICTION
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Razorpay TokenHQ

razorpay.com

WebiOSAndroidAPI
Visit razorpay.com
Spec score 7.1 #11 of 22 in Payment Tokenization Software

What it is

Razorpay TokenHQ replaces card numbers with tokens so businesses can offer customers saved-card checkout. Razorpay connects businesses with card networks and issuers, either as the Token Requestor or as a connecting layer when the business already fills that role. The service works across Mastercard, RuPay, and Visa, and Razorpay says tokens can be used through other payment gateways. Standard Checkout businesses have TokenHQ enabled without integration; Custom Checkout businesses can request it on demand. API-integrated or server-to-server checkout may take 0–3 weeks of integration effort, depending on current integrations and API count. A dashboard lets businesses track and control token requests and create custom reports. Razorpay describes the APIs as suited to high traffic volumes. Saving a card or creating a token requires customer consent and an additional authentication factor. The card-to-token relationship is held in a vault owned by a card network or issuing bank; merchants may retain the last four card digits and issuer name for tracking or analytics. Pricing is on request. The service is available on Android, iOS, web, and API.

Spec sheet

Purpose
TokenHQ replaces card numbers with tokens so businesses can offer customers a saved-card payment experience.Read 4 Oct 2026 · razorpay.com
Security
Razorpay says tokenisation substitutes a card number with a token and that the token-to-card relationship is held in a vault owned by a card network or issuing bank.Read 4 Oct 2026 · razorpay.com
Support
The TokenHQ page offers a free consultation with Razorpay experts and a request-meeting option.Read 4 Oct 2026 · razorpay.com
Headquarters
Bengaluru, Karnataka, IndiaRead 28 Sep 2026 · razorpay.com
Company
Razorpay's about page lists its headquarters in Bengaluru, India; its newsroom says it was founded in 2014.Read 4 Oct 2026 · razorpay.com
APIs
Razorpay describes TokenHQ APIs as developer-friendly and scalable for high traffic volumes.Read 4 Oct 2026 · razorpay.com
Checkout availability
TokenHQ is auto-enabled without integration for Standard Checkout businesses; Custom Checkout businesses can request it on demand.Read 4 Oct 2026 · razorpay.com
Consent and authentication
Razorpay's page says customer consent and an additional factor of authentication are required to save a card or create a token.Read 4 Oct 2026 · razorpay.com
Cross-gateway use
Razorpay says tokens can be used to process payments through other payment gateways.Read 4 Oct 2026 · razorpay.com
Dashboard
The dashboard supports tracking and controlling token requests and creating custom reports.Read 4 Oct 2026 · razorpay.com
Merchant data limit
Razorpay says merchants may continue storing the card's last four digits and issuer name for tracking or analytics.Read 4 Oct 2026 · razorpay.com
Networks and issuers
Razorpay describes TokenHQ as a unified solution connecting businesses with multiple card networks and issuers.Read 4 Oct 2026 · razorpay.com
Payment networks
Razorpay's launch announcement says TokenHQ works across Mastercard, RuPay, and Visa.Read 4 Oct 2026 · razorpay.com
Razorpay's role
Razorpay says it acts as a Token Requestor connecting businesses to card networks and/or issuing banks, or as a connecting layer when the business is itself a Token Requestor.Read 4 Oct 2026 · razorpay.com
S2S integration
API-integrated or server-to-server checkout may require 0–3 weeks of integration effort, depending on existing integrations and API count.Read 4 Oct 2026 · razorpay.com
Who it is for
Razorpay presents TokenHQ for businesses and merchants seeking to keep offering saved-card checkout, including those using other payment gateways.Read 4 Oct 2026 · razorpay.com

Plans and prices

TokenHQ Priced on request Standard and custom checkout: zero added cost per Razorpay article · S2S saved-card transaction fee mentioned, amount not stated Read 4 Oct 2026 · razorpay.com

Every Razorpay TokenHQ plan and price →

Strong points and limits

Strong points

  • Connects businesses to multiple card networks and issuers
  • Tokens can be used through other gateways
  • Dashboard tracks and controls token requests
  • Standard Checkout requires no integration
  • Available on web, API, Android, and iOS

Limits

  • Pricing is available on request
  • Custom Checkout requires an on-demand request
  • Server-to-server integration may take up to 3 weeks
  • Card saving requires consent and additional authentication

Who it suits

TokenHQ is for businesses and merchants that want to offer saved-card checkout, including businesses using other payment gateways. Custom Checkout and server-to-server users should account for an on-demand request or possible integration work.

Verdict

TokenHQ provides card tokenisation for saved-card checkout and supports use across other gateways. Check pricing and integration requirements for the checkout setup in use.

Where Specifiction places it

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