Let customers save their cards for one-tap payments while staying within RBI card-on-file rules. ZYRO replaces card numbers with network tokens that work across your payment gateways.
TokenisationSECURE CARDRBI card-on-file rules
No raw card numbers stored.
All major networks
Visa, Mastercard and RuPay.
Gateway-agnostic
Tokens work across gateways.
One-tap payments
Faster repeat checkout.
The problem
Merchants can no longer keep card details, so returning customers retype them every time.
A token created with one gateway often cannot be used on another, which blocks smart routing.
More typing at checkout means more abandoned payments from loyal customers.
How it works
01
On their first payment, the customer agrees to save the card and completes authentication.
02
The card network issues a token for your business. The card number is never stored.
03
Returning customers pay with the saved token, routed through any connected gateway.
Features
Tokens issued by Visa, Mastercard and RuPay replace the actual card number.
Use the same saved card with every gateway connected through ZYRO Payment Orchestration.
Tokens can stay valid when a customer's card is reissued, reducing failed payments.
Customer consent captured and stored as required, with easy removal of saved cards.
Use tokenised cards for subscriptions and e-mandates.
See active, suspended and deleted tokens in one place.
Built for
One-tap checkout for returning shoppers.
Faster frequent orders.
Quick repeat bookings.
Reliable recurring card charges.
Security
Only network tokens are kept, in line with RBI card-on-file rules.
Cards are saved only with explicit customer consent and authentication.
Payment data is stored in India as required by RBI.
Tokenisation, explained.
Tokenisation replaces a card number with a unique token issued by the card network. The token can be used for payments, but the actual card number is never stored by the merchant.
RBI card-on-file rules do not allow merchants and most payment companies to store card numbers. Tokenisation lets customers keep the convenience of saved cards within those rules.
Yes. With ZYRO, saved cards are designed to work across all the gateways connected through ZYRO Payment Orchestration.
ZYRO Tokenisation is designed for Visa, Mastercard and RuPay cards.
Fill in the contact form or email support@myzyro.com and our team will set up ZYRO Tokenisation for your business.
Works with
Talk to our team and start using ZYRO Tokenisation to offer saved cards the compliant way.