Payment Methods
Adding, updating, and managing payment methods for your subscription.
Beginner5 min readUpdated 2024-12-28
Manage your payment methods securely through the Razorpay Billing Portal.
Supported Payment Methods
Credit & Debit Cards
| Card Type | Supported |
|---|---|
| Visa | β |
| Mastercard | β |
| American Express | β |
| RuPay | β |
| Diners Club | β |
| International Cards | β |
UPI & Digital Wallets
| Method | Availability |
|---|---|
| UPI | All UPI apps (GPay, PhonePe, Paytm) |
| Net Banking | All major banks |
| Paytm Wallet | Available |
| Mobikwik | Available |
| Freecharge | Available |
Adding a Card
First-Time Setup
During checkout:
- Enter card number
- Add expiry date (MM/YY)
- Enter CVC code
- Add billing address
- Complete purchase
Adding Additional Card
- Click Billing Portal button
- Select Payment methods
- Click Add payment method
- Enter new card details
- Click Add
Updating Payment Method
Replace Existing Card
- Go to Billing Portal
- Click Payment methods
- Click Add payment method
- Enter new card details
- Set as default
- Remove old card (optional)
Update Expiry Date
Cards with updated expiry:
- Your bank may auto-update through Razorpay
- Or add the card again with new expiry
- Old card entry updates automatically
Default Payment Method
Your default payment method is charged for:
- Subscription renewals
- Plan upgrades
- Overage charges (if applicable)
Setting Default
- Go to Billing Portal
- Click Payment methods
- Click ... on desired card
- Select Make default
Multiple Cards
Keep multiple cards for:
- Backup if primary fails
- Different cards for different purposes
- Team expense management
Payment Security
Razorpay Protection
| Security Feature | Description |
|---|---|
| PCI DSS Compliant | Highest security certification |
| Encryption | 256-bit SSL/TLS |
| Tokenization | Card numbers never stored on our servers |
| 3D Secure | Extra verification for supported cards |
What We Store
| Data | Stored |
|---|---|
| Full card number | β Never |
| CVC | β Never |
| Last 4 digits | β For display |
| Card brand | β For display |
| Expiry date | β For renewal checks |
Fraud Protection
Razorpay automatically:
- Detects suspicious activity
- Blocks known fraudulent cards
- Verifies card ownership
- Monitors for unusual patterns
Troubleshooting
Card Declined
| Reason | Solution |
|---|---|
| Insufficient funds | Add funds or use different card |
| Expired card | Update with new expiry |
| Bank block | Contact bank to authorize |
| Incorrect details | Re-enter card information |
Update Required
If you see "Update payment method":
- Your card may have expired
- Or payment failed multiple times
- Add a new card to continue service
Key Takeaways
- 1All major credit and debit cards accepted
- 2Cards secured by Razorpay (PCI DSS compliant)
- 3UPI, Net Banking, and Wallets supported
- 4International cards fully supported
Frequently Asked Questions
Is my card information secure?
Yes! We use Razorpay for payments, which is PCI DSS compliant. Your full card number never touches our servers.
Can I use a prepaid card?
Most prepaid cards work, but some may be declined for recurring subscriptions. We recommend using a standard credit or debit card.
Do you store my card details?
We only store the last 4 digits, card brand, and expiry for your reference. Razorpay securely handles all sensitive card data.
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