Card Fingerprints (or PAR) API
Retrieve a unique card reference for a given card or token using the Card Fingerprints API.
Feature Request
This is an on-demand feature. Please raise a request with our
to get this feature activated on your Curlec 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.
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.
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.
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.
Handy Tips
You can initiate a request for a card reference number using the following:
- Card number
- Tokenised card number
- Razorpay token
network
string The card network. Possible values:
MastercardRuPayVisa
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.
network
string The card network. Possible values:
MastercardRuPayVisa
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.
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