Razorpay TokenHQ vs Worldpay eProtect

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.

Worldpay eProtect handles card-not-present payments by replacing card details with a low-value Registration ID, which Worldpay can exchange for an OmniToken during authorization, a sale, or token registration. The cloud service is available through an iFrame, the JavaScript Customer Browser API, or a Mobile API, with platforms listed as Android, iOS, web, and API. Worldpay says card data does not pass through the merchant’s web server and that eProtect reduces applicable PCI controls. The iFrame hosts card number, expiration, and CVV2 fields in Worldpay’s PCI-compliant environment; JavaScript validates and encrypts the account number before sending it to Worldpay. The resulting token may support card-on-file payments, returns, and recurring billing. The guide covers Apple Pay, Apple Pay on the Web, Google Pay, and Visa Checkout. Before production use, an organization must be enabled and certified to process OmniTokens, obtain a PayPage ID, and complete certification testing. The token exchange does not check CVV or AVS and does not validate expiration dates. Pricing is on request.