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Feature Request
This is an on-demand feature. Please raise a request with our Support team to get this feature activated on your Razorpay account. to get this feature activated on your account. Razorpay works with card networks to return a unique card fingerprint for each card and all tokens created against that card. This value is unique across the payment ecosystem. It means this fingerprint will act as a global identifier and will not change while processing payments. You can use the Card Fingerprints API to retrieve:
  • Payment Account Reference for Mastercard and Visa cards.
  • Network Reference id for non-tokenised RuPay cards.

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What is Payment Account Reference

Payment Account Reference (PAR) is a 29-character identifier associated with a specific card. It is independent of Razorpay and is provided by card networks and card-issuing banks.

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What is Network Reference ID

Card networks need issuing banks’ support to generate PAR value. However, RuPay currently has very low coverage on PAR value and needs to work with a large number of banks to increase the coverage. To overcome this challenge they have introduced - network reference id. It works in the same way as the PAR value and is 36-character long. The token create API call returns the Network Reference id. Razorpay returns both network reference id as well as PAR value wherever available for RuPay Cards.

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Use cases

This API is helpful for card identification in various situations:
  • Restricting the number of times an offer is availed on the card.
  • Applying risk checks as to how many times a card is used or if it is associated with fraud users.
  • Block existing and newly blacklisted cards.

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List of Endpoints

Handy Tips
You can initiate a request for a card reference number using the following:
  • Card number
  • Tokenised card number
  • Razorpay token

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API Endpoint | Description

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Fetch Card Reference Number Using Card Number | Fetches the card reference number for a specific card using card number.

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Fetch Card Reference Number Using Tokenised Card Number | Fetches the card reference number for a specific card using tokenised card number.

Fetch Card Reference Number Using Razorpay Token | Fetches the card reference number for a specific card using Razorpay Token.

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Card Fingerprint Entity

network : string The card network. Possible values:
  • Mastercard
  • RuPay
  • Visa
payment_account_reference : string The 29-character unique identifier for Mastercard and Visa cards. For RuPay cards, the value is null. network_reference_id : string The unique identifier generated for RuPay cards.
Sample Entity
network : string The card network. Possible values:
  • Mastercard
  • RuPay
  • Visa
payment_account_reference : string The 29-character unique identifier for Mastercard and Visa cards. For RuPay cards, the value is null. network_reference_id : string The unique identifier generated for RuPay cards.