{"id":14725,"date":"2024-11-28T13:54:47","date_gmt":"2024-11-28T08:24:47","guid":{"rendered":"https:\/\/razorpay.com\/learn\/?p=14725"},"modified":"2024-11-28T13:54:47","modified_gmt":"2024-11-28T08:24:47","slug":"what-is-prepaid-cards","status":"publish","type":"post","link":"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/","title":{"rendered":"What are Prepaid Cards? Meaning &#038; How Does It Work?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d5421c81813\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d5421c81813\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#What-Is-a-Prepaid-Card\" >What Is a Prepaid Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Examples-of-Prepaid-Cards\" >Examples of Prepaid Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Different-Types-of-Prepaid-Cards\" >Different Types of Prepaid Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#How-Does-a-Prepaid-Card-Work\" >How Does a Prepaid Card Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Advantages-of-Prepaid-Cards\" >Advantages of Prepaid Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Alternatives-to-Prepaid-Cards\" >Alternatives to Prepaid Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#How-to-Add-Money-on-a-Prepaid-Card\" >How to Add Money on a Prepaid Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#How-to-Obtain-a-Prepaid-Card\" >How to Obtain a Prepaid Card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Tips-for-Using-Prepaid-Cards-Responsibly\" >Tips for Using Prepaid Cards Responsibly<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Prepaid-Cards-Vs-Credit-Cards-Vs-Debit-Cards\" >Prepaid Cards Vs. Credit Cards Vs. Debit Cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/razorpay.com\/learn\/what-is-prepaid-cards\/#Frequently-Asked-Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What-Is-a-Prepaid-Card\"><\/span>What Is a Prepaid Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A prepaid card is a payment card preloaded with a specific amount of money, enabling you to make purchases, withdraw cash, or pay bills. Similar to a gift or debit card and other <a href=\"https:\/\/razorpay.com\/blog\/different-types-of-payment-methods\/\">types of payment methods<\/a>, it allows you to use the funds for transactions until the balance is depleted.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Examples-of-Prepaid-Cards\"><\/span>Examples of Prepaid Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. HDFC Bank ForexPlus Card<\/h3>\n<p><a href=\"https:\/\/www.hdfcbank.com\/personal\/pay\/cards\/forex-cards\" target=\"_blank\" rel=\"noopener\">HDFC Bank ForexPlus Card<\/a> is a\u00a0prepaid travel card for international use. It supports multiple currencies and locks exchange rates to avoid fluctuations.<\/p>\n<h3>2. Axis Bank Prepaid Gift Card<\/h3>\n<p><a href=\"https:\/\/www.axisbank.com\/retail\/cards\/prepaid-cards\/gift-card\/features-benefits\" target=\"_blank\" rel=\"noopener\">Axis Bank Prepaid Gift Card<\/a> is a gifting card that can be used online or in-store at any merchant accepting Visa.<\/p>\n<h3>3. ICICI Bank Meal Card<\/h3>\n<p><a href=\"https:\/\/www.icicibank.com\/personal-banking\/cards\/prepaid-card\/multi-wallet-card#toptitle\" target=\"_blank\" rel=\"noopener\">ICICI Bank Meal Card<\/a> is a meal card for employees that offers tax benefits and accepted at restaurants, grocery stores, and food delivery platforms.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Different-Types-of-Prepaid-Cards\"><\/span>Different Types of Prepaid Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. Prepaid Debit Cards<\/h3>\n<p>Prepaid debit cards are not linked to a bank account. You load money in advance to use for purchases or withdrawals. Widely accepted online and in stores, they are ideal for managing spending and budgeting.<\/p>\n<h3>2. Prepaid Credit Cards<\/h3>\n<p>Prepaid credit cards require preloaded funds and do not allow borrowing. They work like credit cards but limit spending to the loaded amount, helping avoid debt while offering credit card-like convenience.<\/p>\n<h3>3. Pay-As-You-Go Cards<\/h3>\n<p>Pay-As-You-Go cards let you load money and spend as needed. They are simple, practical tools for short-term budgeting, ensuring you only use the funds you add.<\/p>\n<h3>4. Store-Value Cards<\/h3>\n<p>Store-value cards are retailer-specific cards usable only at the issuing store or its partners. They are common for loyalty programs, store promotions, and brand-specific purchases.<\/p>\n<h3>5. Gift Cards<\/h3>\n<p>Gift cards are prepaid cards loaded with a fixed amount, often used for gifting. They can be redeemed at specified stores or online platforms, providing flexible spending options.<\/p>\n<h3>6. Travel Prepaid Cards<\/h3>\n<p>Travel prepaid cards are designed for international travel. They allow loading multiple currencies, making overseas payments seamless while avoiding currency conversion fees.<\/p>\n<h3>7. Open-Loop Cards<\/h3>\n<p>Branded with Visa, Mastercard, or American Express, these cards can be used anywhere that accepts the respective <a href=\"https:\/\/razorpay.com\/blog\/what-is-a-payment-network\/\">payment network<\/a>, offering universal usability.<\/p>\n<h3>8. Closed-Loop Cards<\/h3>\n<p>Closed-loop cards are restricted to specific merchants, closed-loop cards are commonly issued as store-specific gift cards and are usable only at the issuing merchant\u2019s outlets.<\/p>\n<h3>9. Semi-Open-Loop Cards<\/h3>\n<p>Semi-open-loop cards are accepted at a network of affiliated merchants or chains, offering more versatility than closed-loop cards but limited compared to open-loop cards.<\/p>\n<h3>10. Reloadable Cards<\/h3>\n<p>Reloadable prepaid cards allow users to add funds multiple times, making them suitable for ongoing use. They are popular for frequent spenders and those managing recurring expenses.<\/p>\n<h3>11. Non-Reloadable Cards<\/h3>\n<p>These single-use cards cannot be reloaded after the initial balance is used, making them ideal for one-time gifting or short-term needs.<\/p>\n<h3>12. Prepaid Gift Cards<\/h3>\n<p>Non-reloadable prepaid cards often sold at convenience stores, these are commonly used for gifting. Some may include inactivity fees if not used within a specific time.<\/p>\n<h3>13. General Purpose Reloadable (GPR) Cards<\/h3>\n<p>GPR cards are versatile prepaid cards issued for merchants or small businesses. They can handle various transactions and are reloadable for continued use.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Does-a-Prepaid-Card-Work\"><\/span>How Does a Prepaid Card Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. Loading Funds onto a Prepaid Card<\/h3>\n<p>You can preload money onto a prepaid card through various methods like online bank transfers, mobile apps, cash deposits, or even at designated retail outlets. The loaded amount becomes your available balance, ensuring you can spend within limits.<\/p>\n<h3>2. Using a Prepaid Card for Payments<\/h3>\n<p>A prepaid card works like a debit card. You can use it for secure payments online or offline at stores, restaurants, or any merchant that accepts payment cards.<\/p>\n<p>Prepaid Cards also allow cash withdrawals from <a href=\"https:\/\/razorpay.com\/learn\/what-is-atm\/\">ATMs<\/a>. However, spending is restricted to the available balance on the card.<\/p>\n<h3>3. Limitations of Prepaid Cards<\/h3>\n<p>Prepaid cards do not offer overdraft facilities or borrowing options. You can only spend the amount loaded onto the card, making it an excellent tool for budgeting and controlled spending.<\/p>\n<h3>4. Reloading a Prepaid Card<\/h3>\n<p>Reloading a prepaid card is easy. Most cards allow recharging through online banking, mobile applications, or cash deposits at authorized locations. This flexibility ensures uninterrupted use.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Advantages-of-Prepaid-Cards\"><\/span>Advantages of Prepaid Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. Simple and Convenient to Use<\/h3>\n<p>Prepaid cards are easy to use for everyday transactions.<\/p>\n<p>You can make payments online with prepaid cards, in stores, and withdraw cash from ATMs, just like debit or credit cards.<\/p>\n<h3>2. No Credit Check Required<\/h3>\n<p>Prepaid cards don\u2019t require a credit check, making them accessible to individuals with no credit history or poor credit scores.<\/p>\n<p>Prepaid cards offer an alternative to traditional credit cards without the need for borrowing.<\/p>\n<h3>3. Enhanced Security Over Cash<\/h3>\n<p>Prepaid cards are safer than carrying cash. If lost or stolen, the card can be blocked, and funds can be transferred to a new one, minimizing the risk of losing all your money.<\/p>\n<h3>4. Helps You Stick to a Budget<\/h3>\n<p>Prepaid cards limit spending to the preloaded balance, helping you control expenses and avoid debt.<\/p>\n<p>They are ideal for budgeting and managing finances effectively.<\/p>\n<h3>5. Use Without a Bank Account<\/h3>\n<p>Prepaid cards don\u2019t require a bank account, allowing you to perform transactions, pay bills, and withdraw cash without needing a checking or savings account.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Alternatives-to-Prepaid-Cards\"><\/span>Alternatives to Prepaid Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A practical alternative to prepaid cards is a secured credit card. Unlike prepaid cards, secured credit cards require a cash deposit as collateral, which becomes your credit limit. For instance, a \u20b910,000 deposit gives you a \u20b910,000 credit limit.<\/p>\n<p>Secured credit cards are ideal for individuals looking to build or improve their credit history. Payments made on the card are reported to credit bureaus, and responsible use\u2014such as paying bills on time and maintaining low utilization\u2014helps improve your credit score. Over time, this can increase your eligibility for traditional credit cards and loans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-to-Add-Money-on-a-Prepaid-Card\"><\/span>How to Add Money on a Prepaid Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. Transfer Funds from a Checking Account or Another Prepaid Card<\/h3>\n<p>You can transfer money directly from your checking account or another prepaid card using online banking or mobile apps linked to your card.<\/p>\n<h3>2. Set Up Direct Deposit for Paychecks or Income<\/h3>\n<p>Many prepaid cards allow direct deposit, so your paycheck or regular income can be automatically added to your prepaid card, keeping your balance topped up without extra effort.<\/p>\n<h3>3. Reload at Retail Locations or Partner Banks<\/h3>\n<p>If you prefer using cash, visit specific retail locations or partner banks to reload your prepaid cards. Simply hand over the cash, and it will be added to your card balance immediately.<\/p>\n<h3>4. Reload via Online Transfers or Mobile Apps<\/h3>\n<p>Some prepaid cards offer online transfers from your bank account or through their mobile app. This is a quick and convenient way to add money to your card.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-to-Obtain-a-Prepaid-Card\"><\/span>How to Obtain a Prepaid Card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Step 1: Choose a Reliable Prepaid Card Provider<\/h3>\n<p>Start by selecting a secure and trustworthy prepaid card provider. Options like <a href=\"https:\/\/razorpay.com\/payment-gateway\/\">Razorpay<\/a> offer prepaid cards with features suited for both individuals and businesses.<\/p>\n<h3>Step 2: Apply Online for Your Prepaid Card<\/h3>\n<p>Visit the provider\u2019s website to apply online for the prepaid card. Fill out the application form and provide KYC (Know Your Customer) documents, such as a valid ID (passport, Aadhaar card) and proof of address (e.g., utility bill).<\/p>\n<h3>Step 3: Apply Offline at Banks or Retail Locations<\/h3>\n<p>You can also apply for a prepaid card in person at a bank or retail location. Complete the application form, submit the required KYC documents, and you may receive your card immediately or within a few days.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tips-for-Using-Prepaid-Cards-Responsibly\"><\/span>Tips for Using Prepaid Cards Responsibly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. Track Your Spending Regularly<\/h3>\n<p>Monitor your balance to avoid overspending and ensure you always have sufficient funds for purchases on the prepaid card.<\/p>\n<h3>2. Reload Your Card Before It Runs Low<\/h3>\n<p>Add money to your prepaid cards before the balance runs out, so you\u2019re always ready to make transactions without interruption.<\/p>\n<h3>3. Keep Your Card Details Secure<\/h3>\n<p>Treat your prepaid cards like cash. Never share your PIN or card details to prevent fraud or unauthorized access.<\/p>\n<h3>4. Use Prepaid Cards to Manage Your Budget<\/h3>\n<p>Prepaid cards are an effective way to stick to a budget since you can only spend the money loaded onto the card, helping avoid debt.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Prepaid-Cards-Vs-Credit-Cards-Vs-Debit-Cards\"><\/span>Prepaid Cards Vs. Credit Cards Vs. Debit Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table class=\"t1\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<h3 class=\"p2\"><b>Feature<\/b><\/h3>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<h3 class=\"p2\"><b>Prepaid Cards<\/b><\/h3>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<h3 class=\"p2\"><b>Credit Cards<\/b><\/h3>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<h3 class=\"p2\"><b>Debit Cards<\/b><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\"><b>Linked Accounts<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Not linked to a bank account or credit line.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Linked to a credit line provided by the bank.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Linked directly to your bank account.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\"><b>Spending Limit<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Spend only the amount preloaded onto the card.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Spend up to the credit limit, which is borrowed money.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Spend only the available balance in your linked bank account.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\"><b>Usage<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Ideal for budgeting, specific purchases, gifts, or travel.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Best for larger purchases, building credit score, and earning rewards or cashback.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Suitable for daily transactions without borrowing.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\"><b>Reloading<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Can be reloaded with cash, bank transfer, or other methods once the balance is used up.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Cannot be reloaded; you borrow up to your credit limit and repay later.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">No reloading needed; funds are automatically deducted from your bank account.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\"><b>Key Benefit<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Great for budgeting and secure specific purchases.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Ideal for building credit history, earning rewards, and making larger purchases.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Convenient for regular spending with no debt or interest charges.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\"><b>Limitations<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Cannot spend beyond the preloaded amount; reload and usage fees may apply.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Interest charges can accumulate if not paid in full on time; risk of debt.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p3\">Card may be declined if there\u2019s insufficient balance in your bank account.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>1. Is an ATM card a prepaid card?<\/h3>\n<p>No, an ATM card is not the same as a prepaid card. An ATM card is linked directly to your bank account and is primarily used for withdrawing cash or checking your balance at ATMs.<\/p>\n<h3>2. Is a prepaid card a Visa card?<\/h3>\n<p>A prepaid card can be a Visa card, but not all prepaid cards are Visa cards. Many prepaid cards are issued under major payment networks like Visa, Mastercard, or RuPay.<\/p>\n<h3>3. Are prepaid cards good or bad?<\/h3>\n<p>Prepaid cards are good for budgeting and secure payments, but may have reload or inactivity fees. Their value depends on your financial needs and usage.<\/p>\n<h3>4. How do I know if my card is prepaid?<\/h3>\n<p>A prepaid card is preloaded with funds and not linked to a bank account or credit. Check the card packaging or user agreement to confirm it&#8217;s prepaid.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Is a Prepaid Card? A prepaid card is a payment card preloaded with a specific amount of money, enabling you to make purchases, withdraw cash, or pay bills. Similar to a gift or debit card and other types of payment methods, it allows you to use the funds for transactions until the balance is<\/p>\n","protected":false},"author":151156612,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1387],"tags":[],"class_list":{"0":"post-14725","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-payments"},"_links":{"self":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/14725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/users\/151156612"}],"replies":[{"embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/comments?post=14725"}],"version-history":[{"count":3,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/14725\/revisions"}],"predecessor-version":[{"id":14742,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/posts\/14725\/revisions\/14742"}],"wp:attachment":[{"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/media?parent=14725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/categories?post=14725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/learn.razorpay.in\/learn\/wp-json\/wp\/v2\/tags?post=14725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}