A guest checkout payment occurs when the cardholder enters the card details directly without the intention of saving the details. This can happen when:
The card is not saved, and the user does not intend to save it.
The card is being saved for the first time.
RBI has prohibited Payment Aggregators (PAs), Acquires, and Acquirer TSPs (gateways) from using the card number for guest checkout transactions, ensuring security and compliance.