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Razorpay TokenHQ
What Razorpay TokenHQ is
Razorpay TokenHQ helps businesses offer saved-card checkout by replacing card numbers with tokens. Razorpay describes it as a unified connection between businesses, card networks, and issuing banks. It can act as the Token Requestor that connects a business to those parties, or as a connecting layer when the business already acts as a Token Requestor. TokenHQ works across Mastercard, RuPay, and Visa, and Razorpay says its tokens can be used to process payments through other gateways.
For Standard Checkout businesses, TokenHQ is auto-enabled without integration. Businesses using Custom Checkout can request it on demand. API-integrated or server-to-server checkout may require 0–3 weeks of integration effort, depending on existing integrations and API count. Its dashboard supports tracking and controlling token requests and creating custom reports; Razorpay describes the APIs as developer-friendly and scalable for high traffic volumes.
Razorpay says customer consent and an additional factor of authentication are required to save a card or create a token. The token-to-card relationship is held in a vault owned by a card network or issuing bank. Merchants may continue storing the card’s last four digits and issuer name for tracking or analytics. TokenHQ is available through web, API, Android, and iOS platforms. Pricing is on request, and Razorpay offers a free consultation and meeting request.
Who it suits
TokenHQ is for businesses and merchants that want to keep offering saved-card checkout, including those processing payments through other gateways. It may also suit businesses that need to manage token requests and reports through a dashboard or API.
What it does well
- Connects businesses with multiple card networks and issuers.
- Works across Mastercard, RuPay, and Visa.
- Standard Checkout businesses get it enabled without integration.
- Tokens can be used through other payment gateways.
- Dashboard supports token controls and custom reports.
- Merchant data may include the last four digits and issuer name.
What to know first
- Pricing is available on request.
- Custom Checkout businesses must request TokenHQ on demand.
- API-integrated or server-to-server checkout can require up to 3 weeks of integration effort.
- Saving a card or creating a token requires customer consent and an additional authentication factor.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| TokenHQ | Standard and custom checkout: zero added cost per Razorpay article · S2S saved-card transaction fee mentioned, amount not stated | On request |
As razorpay.com lists them, read 4 Oct 2026. The maker's own page has the final word.
Getting started
- Visit https://razorpay.com/card-tokenisation/.
- For Standard Checkout, use the auto-enabled TokenHQ option.
- For Custom Checkout, request TokenHQ on demand.
- For API-integrated or server-to-server checkout, plan for 0–3 weeks of integration effort.
- Obtain customer consent and an additional authentication factor when saving a card or creating a token.
- Request a meeting or free consultation with Razorpay experts if needed.
Verdict
Choose TokenHQ if your business wants to offer saved-card checkout across card networks, including when using another payment gateway. Standard Checkout businesses can access it without integration; Custom Checkout and server-to-server users should account for an access request or integration effort.
Questions
How is TokenHQ priced?
Pricing is on request. Razorpay describes zero added cost for Standard and custom checkout; it also mentions an S2S saved-card transaction fee without stating an amount.
Which checkout types can use TokenHQ?
Standard Checkout businesses have it auto-enabled without integration. Custom Checkout businesses can request it on demand.
Which card networks does TokenHQ support?
Razorpay says it works across Mastercard, RuPay, and Visa.
Can TokenHQ tokens be used with other payment gateways?
Yes. Razorpay says tokens can be used to process payments through other gateways.
What platforms are listed for TokenHQ?
The listed platforms are Android, API, iOS, and web.
What is required to save a card or create a token?
Razorpay says customer consent and an additional factor of authentication are required.
Facts from Razorpay TokenHQ's own pages
- APIs
- Razorpay describes TokenHQ APIs as developer-friendly and scalable for high traffic volumes. · razorpay.com, 4 Oct 2026
- Checkout availability
- TokenHQ is auto-enabled without integration for Standard Checkout businesses; Custom Checkout businesses can request it on demand. · razorpay.com, 4 Oct 2026
- Company
- Razorpay's about page lists its headquarters in Bengaluru, India; its newsroom says it was founded in 2014. · razorpay.com, 4 Oct 2026
- 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. · razorpay.com, 4 Oct 2026
- Cross-gateway use
- Razorpay says tokens can be used to process payments through other payment gateways. · razorpay.com, 4 Oct 2026
- Dashboard
- The dashboard supports tracking and controlling token requests and creating custom reports. · razorpay.com, 4 Oct 2026
- Headquarters
- Bengaluru, Karnataka, India · razorpay.com, 28 Sept 2026
- Merchant data limit
- Razorpay says merchants may continue storing the card's last four digits and issuer name for tracking or analytics. · razorpay.com, 4 Oct 2026
- Networks and issuers
- Razorpay describes TokenHQ as a unified solution connecting businesses with multiple card networks and issuers. · razorpay.com, 4 Oct 2026
- Payment networks
- Razorpay's launch announcement says TokenHQ works across Mastercard, RuPay, and Visa. · razorpay.com, 4 Oct 2026
- Purpose
- TokenHQ replaces card numbers with tokens so businesses can offer customers a saved-card payment experience. · razorpay.com, 4 Oct 2026
- 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. · razorpay.com, 4 Oct 2026
- S2S integration
- API-integrated or server-to-server checkout may require 0–3 weeks of integration effort, depending on existing integrations and API count. · razorpay.com, 4 Oct 2026
- 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. · razorpay.com, 4 Oct 2026
- Support
- The TokenHQ page offers a free consultation with Razorpay experts and a request-meeting option. · razorpay.com, 4 Oct 2026
- Who it is for
- Razorpay presents TokenHQ for businesses and merchants seeking to keep offering saved-card checkout, including those using other payment gateways. · razorpay.com, 4 Oct 2026
Where Razorpay TokenHQ stands on Freedom251
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