---
page_title: Overview
product: CRED-Unbundling
page_source: https://juspay.io/in/docs/cred-unbundling/docs/cred-unbundling/overview
llms_txt: https://juspay.io/in/docs/llms.txt
product_llms_txt: https://juspay.io/in/docs/cred-unbundling/llms.txt
---


# Overview



_Display your users CRED-saved cards directly on your checkout — no re-tokenization needed._ 

CRED is a members-only platform where users repay credit cards, earn rewards, and manage multiple cards in one place. Because users actively add and maintain cards on CRED for repayment, CRED typically holds a more complete and current card vault than any single merchant's saved-card list.

CRED Unbundling makes those cards appear natively on your payment page as if the user had saved them directly with you. The user picks a card and pays without entering any card details. Juspay acts as the Token Service Provider (TSP), orchestrating the device check, card discovery, and transaction initiation.


## Feature Details 



* **PA/PG Supported :** Card
* **Platforms Supported:** Android, iOS, Web & mWeb
* **Supported Juspay Integrations:** 
  
  * Juspay HyperCheckout (Payment Page)
  * Juspay Express Checkout SDK (EC Headless SDK)
  * Juspay Express Checkout API


## CRED Unbundling Benefits



* One-click payments with CRED-saved cards
* Higher conversions with repeat CRED users
* Access to most creditworthy consumer segment.
* Exclusive bank offers curated by CRED
* Users earn CRED cashback on every payment
* Biometrics and D-OTP complete natively inside the CRED app

> **Note**
> 
> ### **How CRED Unbundling different from CRED Pay?** 
> 
> 
> 
> CRED Pay opens the full CRED app as the payment experience; card selection, OTP, and rewards all happen inside CRED. CRED Unbundling only surfaces the _cards_  from CRED onto your UI. Card selection stays on your payment page. Authentication still happens inside the CRED app via D-OTP, with no redirect to a bank page.




## User Journey



The flow a customer sees depends on whether they have linked CRED cards and the device they are using.


## Saved Card

[Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/cred-unbundling/hroug%20(1)-9P6ST.mp4)



![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/cred-unbundling/Saved%20Card%20Flow-09VG0.jpg)
*Saved card flow*





## Link & Pay

[Video](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/cred-unbundling/hroug%20(2).mp4)



![Image](https://dth95m2xtyv8v.cloudfront.net/tesseract/assets/cred-unbundling/cred-unbundling-user-journey.pptx%20(3)-MxaEN.jpg)
*Link & pay flow*






---

## See Also

- [Description](https://juspay.io/in/docs/cred-unbundling/docs/cred-unbundling/description)