What is Tokenisation?

Tokenisation refers to replacement of actual card details with an alternate code called the “token”, which shall be unique for a combination of card, token requestor (i.e. the entity which accepts request from the customer for tokenisation of a card and passes it on to the card network to issue a corresponding token) and merchant.

What are the benefits of Tokenisation?

Tokenisation is safer and more secure than just saving your card as your card number is replaced with tokens for all transactions and card number is not shared for subsequent transactions.

Who will tokenise my cards?

As per RBI guidelines, cards can be Tokenised only by authorized entities referred to as Token Service Providers. These entities can be a bank or a card network e.g. Visa, Mastercard, Rupay, etc.

Is it mandatory to Tokenise a card?

Tokenizing a card is not mandatory, however RBI has prohibited saving a card without Tokenisation. Hence, if you do not Tokenise your card, we will delete all saved your cards after 30th Sep 2022 and you will need to enter the full card number every time while making a payment.

How can I Tokenise my previously saved cards?

Until September 30, 2022, you can give your consent to Tokenise all your saved cards. Navigate to payments page, select a card, provide consent and OTP to Tokenise your card.

Which of my cards can be Tokenised as per new RBI guidelines?

We currently support only India issued personal credit and debit cards of VISA, Mastercard and Rupay card networks. Support for other card networks will be updated as and when we are ready.

How do I provide my consent to Tokenise the card?

When you add a new card or select a saved card to make a purchase, you will see a checkbox requesting you to provide the consent. Simply select the checkbox and continue with your payment on that card. Your consent will be successfully captured once the payment is complete.

Do I need to provide consent separately for each card?

Yes, as per the RBI guidelines, you need to provide consent to save each card separately.

My card is also stored in other accounts of my friend or family member. Do they also need to tokenise the card again as per RBI guidelines?

Yes, the card needs to be saved across every account by each customer individually.

Do I need to pay any charges for tokenizing my card?

No, there is no charge for saving your card.

I gave consent and OTP to Tokenise my card, but my card was not Tokenised?

Tokenisation being a new system may encounter issues leading to situations where we may not be able to Tokenise your card. We request you to attempt the same later.

How can I remove my Tokenised card?

Please reach out to Customer Care email: customercare@tataneu.com or call at 1800 266 9886

FAQ on Standing Instructions tokenisation (SIT)

What is Standing Instruction Tokenisation (SIT)?

SIT is single use token to guarantee your ‘Pay at Hotel’, reservation. Your card will be tokenised and used to guarantee your stay. Re. 1 will be charged to your card for authorisation which will be auto reversed within 48 hours. In case of a ‘No Show’ or a ‘Late Cancelation’, the hotel will invoke the token to charge retention amount (No Show or Late Cancelation Charges plus applicable Taxes) as per the defined policy, on the aforesaid tokenised card used to guarantee the stay at the time of reservation.

Is it mandatory for me to give consent for a SI token against my booking?

It is mandatory for confirming the pay at hotel reservations. In case you do not want to use th SI token, you may choose to “Pay Online” option to guarantee your reservation

Do I need to pay any charges during the process of guaranteeing the reservation using the SI token?

Your card will be tokenised and used to guarantee your stay. Re. 1 will be charged to your card for authorisation which will be auto-reversed within 48 hours.

When will the token be charged and what will be the amount?

In case of a ‘No Show’ or a ‘Late Cancelation’, the hotel will invoke the token to charge retention amount (No Show or Late Cancelation Charges plus applicable Taxes) as per the defined policy, on the aforesaid tokenised card used to guarantee the stay at the time of reservation.

Can I cancel this token?

Yes you can by dropping a mail to gst.info@tajhotels.com for further information.

Will this token get cancelled automatically post my check-in?

Post your check-out, the hotel will cancel the token issued to guarantee the reservation.

Click Here to View Video on Tokenisation