Card Network and Issuer Support

  1. It is important to note that not all issuers and card networks currently support CVV-less transactions. Therefore, it is crucial for merchants to send CVV information only for the applicable network-issuer combinations that support CVV-less payments.
  2. Merchants can ensure a smooth transaction flow and avoid transaction failures and errors due to CVV-less payments. This will help merchants maintain a high success rate while the entire ecosystem transitions to CVV-less flow for saved cards.
  3. Merchant needs to ensure that CVV-less transactions are sent to Paytm for below Card Network and issuing bank combinations only:

Card Scheme Issuing Bank
Visa All
Amex All
Mastercard All
Rupay State Bank of India, HDFC Bank, Union Bank of India, Punjab National Bank,
Indian Bank, Bank of Baroda, Canara Bank, Sodexo, UCO Bank,
Central Bank of India, IDBI Bank, Punjab and Sind Bank, Yes Bank,
IDFC FIRST Bank, Federal Bank, Karnataka Bank, South Indian Bank,
Kotak Bank, Bandhan Bank, India Post Payments Bank, Cosmos Bank,
Paytm, Bharat Cooperative Bank Mumbai, Transcorp International, City Union Bank