The solution uses device tokenization to provide a secure and efficient in-app checkout experience for PhonePe platform users and merchant partners.
According to the company, this feature allows users to tokenize their Mastercard and Visa cards once in the PhonePe app, allowing them to use their saved cards at any merchant integrated with PhonePe PG instead of having to tokenize their card separately at each merchant.
By replacing sensitive card data with secure tokens, the system eliminates the requirement for CVV entry during subsequent transactions performed on the same device.
This architecture reduces the number of steps in the payment journey, keeping the user within the merchant’s app environment throughout the process and eliminating traditional redirects to external pages.
Speaking about the launch, Yuvraj Singh Shekhawat, Chief Business Officer of Merchant Business at PhonePe Limited said, “By leveraging device tokenization, we will enable users and merchants to move away from the traditional cumbersome payment process to a secure, one-click payment experience.”
According to the company, by using PhonePe’s native SDK, merchants can achieve higher transaction success rates and significantly faster checkout speeds.
This efficiency is driven by the elimination of manual card entry and the reduction of technical transfers between payment entities.
Additionally, the solution provides merchants with a customizable interface that integrates directly into their existing app flow, maintaining brand consistency and reducing transaction volume.
PhonePe Limited (formerly PhonePe Private Limited) is a technology company that builds digital platforms for payments, digital distribution services, financial services and marketplace solutions.
Published on January 10, 2026
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