{"id":22881,"date":"2025-05-27T18:27:33","date_gmt":"2025-05-27T12:57:33","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=22881"},"modified":"2025-07-29T18:16:38","modified_gmt":"2025-07-29T12:46:38","slug":"what-is-strong-customer-authentication","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/what-is-strong-customer-authentication\/","title":{"rendered":"What is Strong Customer Authentication: A Complete Guide"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey 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-69d869c39db5a\" 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-69d869c39db5a\"  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\/blog\/what-is-strong-customer-authentication\/#What_Does_Strong_Customer_Authentication_Mean\" >What Does Strong Customer Authentication Mean?<\/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\/blog\/what-is-strong-customer-authentication\/#When_Do_You_Need_Strong_Customer_Authentication\" >When Do You Need Strong Customer Authentication?<\/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\/blog\/what-is-strong-customer-authentication\/#Steps_to_Authenticate_a_Card_Payment\" >Steps to Authenticate a Card Payment<\/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\/blog\/what-is-strong-customer-authentication\/#Fraud_Liability_and_3D_Secure_How_It_Works\" >Fraud Liability and 3D Secure: How It Works<\/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\/blog\/what-is-strong-customer-authentication\/#Exemptions_to_Strong_Customer_Authentication_Rules\" >Exemptions to Strong Customer Authentication Rules<\/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\/blog\/what-is-strong-customer-authentication\/#What_Happens_If_an_Exemption_Is_Rejected\" >What Happens If an Exemption Is Rejected?<\/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\/blog\/what-is-strong-customer-authentication\/#Conclusion\" >Conclusion<\/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\/blog\/what-is-strong-customer-authentication\/#Frequently_Asked_Questions_FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Does_Strong_Customer_Authentication_Mean\"><\/span><b>What Does Strong Customer Authentication Mean?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Strong Customer Authentication (SCA) is a regulatory requirement under the Payment Services Directive 2 (PSD2)<span style=\"font-weight: 400;\"> in Europe, aimed at reducing online fraud and making <a href=\"https:\/\/razorpay.com\/learn\/digital-payments-india-definition-methods-importance\/\">digital payments<\/a> more secure. In simple terms, SCA ensures that customers are who they say they are\u2014by asking for more than just a password or card number during transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think of it as an extra layer of protection, especially for electronic payments, whether they\u2019re made online or in-store. The goal? To make sure the person initiating a payment is the actual account holder.<\/span><\/p>\n<p>To comply with SCA, a payment must include at least two of the following three authentication factors:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Knowledge<\/b><span style=\"font-weight: 400;\">: Something only the user knows (e.g., a password or PIN)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possession<\/b><span style=\"font-weight: 400;\">: Something only the user has (e.g., a mobile device or hardware token)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inherence<\/b><span style=\"font-weight: 400;\">: Something the user <\/span><i><span style=\"font-weight: 400;\">is<\/span><\/i><span style=\"font-weight: 400;\"> (e.g., fingerprint or facial recognition)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This requirement is mandatory for most electronic payments in the European Economic Area (EEA) and is enforced by banks and payment providers.<\/span><\/p>\n<p><b>Example<\/b><span style=\"font-weight: 400;\">: When a customer in the EU tries to make an online card payment, they might receive a one-time password (OTP) on their phone (possession), enter a PIN they know (knowledge), or verify using their fingerprint (inherence). This layered security approach makes it harder for fraudsters to bypass authentication\u2014even if they get hold of card details.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_Do_You_Need_Strong_Customer_Authentication\"><\/span><b>When Do You Need Strong Customer Authentication?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Strong Customer Authentication (SCA) applies to customer-initiated electronic payments within the European Economic Area (EEA). This includes both <a href=\"https:\/\/razorpay.com\/learn\/what-is-online-transaction\/\">online transactions<\/a> (like purchasing on an e-commerce site) and offline <a href=\"https:\/\/razorpay.com\/blog\/what-is-contactless-payment\/\">contactless payments<\/a> (such as tapping a card at a POS terminal).<\/p>\n<p><strong>Here are the most common scenarios where SCA is required:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Online card payments made by customers in the EEA<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Adding a new beneficiary or initiating a bank transfer via online banking<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Contactless in-store payments after certain limits are crossed (e.g., cumulative amount or number of transactions)<b><br \/>\n<\/b><\/li>\n<\/ul>\n<p>However, SCA is not required in all cases. There are several important exemptions and edge cases:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Merchant-initiated transactions (MITs)<\/b><span style=\"font-weight: 400;\">: These are payments made without the customer actively involved\u2014like subscriptions or <a href=\"https:\/\/razorpay.com\/blog\/what-is-recurring-billing\/\">recurring billing<\/a> after the initial authentication.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Low-value transactions<\/b><span style=\"font-weight: 400;\">: Payments below \u20ac30 may be exempt unless a threshold is exceeded.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Trusted beneficiaries<\/b><span style=\"font-weight: 400;\">: If a customer has whitelisted a merchant, future payments to that merchant might bypass SCA.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Corporate payments<\/b><span style=\"font-weight: 400;\"> made using secure, dedicated payment processes.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transactions where either the cardholder or merchant is outside the EEA<\/b><span style=\"font-weight: 400;\">: SCA typically doesn\u2019t apply to these cross-border scenarios.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><strong>Note for Indian Businesses:<\/strong> Even though SCA is an EU-specific regulation, if you&#8217;re an Indian merchant serving customers in the EEA, your payment provider must support SCA-compliant flows to process transactions successfully. This ensures your payments aren\u2019t declined due to non-compliance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Steps_to_Authenticate_a_Card_Payment\"><\/span><b>Steps to Authenticate a Card Payment<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Authenticating a card payment under SCA depends on whether the transaction happens online or in person.<\/span><\/p>\n<h3><b>For Online Payments:<\/b><\/h3>\n<p>The most common method is <a href=\"https:\/\/razorpay.com\/learn\/what-is-3d-secure\/\">3D Secure<\/a>, specifically 3D Secure 2 (3DS2)\u2014an updated protocol that supports SCA and offers a better user experience. Here\u2019s how it works:<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Customer initiates payment on an e-commerce site.<span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They are prompted to authenticate via:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\">OTP sent to a registered device (knowledge + possession)<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\">Fingerprint or face scan if using Apple Pay or Google Pay (inherence)<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\">Push notification from their banking app<span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Once authentication is successful, the payment is completed.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ol>\n<p>Many modern payment providers\u2014like Stripe, Razorpay, or Adyen\u2014have built-in authentication flows to make this process smooth. For example, they allow biometric verification through platforms like Apple Pay, which satisfies SCA without adding friction.<\/p>\n<h3><b>For Offline Payments:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For in-person card payments, authentication typically involves:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Inserting the card and entering a PIN (knowledge + possession)<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">Contactless transactions, which may skip SCA for small amounts but trigger authentication after set thresholds.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Fraud_Liability_and_3D_Secure_How_It_Works\"><\/span><b>Fraud Liability and 3D Secure: How It Works<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SCA doesn\u2019t just enhance <a href=\"https:\/\/razorpay.com\/blog\/payment-security-types-explained\/\">payment security<\/a>\u2014it also shifts the liability for certain types of fraud.<\/p>\n<p>When a transaction is SCA-compliant, the responsibility for unauthorised payment disputes lies with the cardholder\u2019s bank, not the merchant. This reduces your risk as a business owner, especially for online transactions.<\/p>\n<h3><b>Why 3D Secure Matters:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">3D Secure 2 is the go-to solution for meeting SCA requirements in online card payments.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">It helps authenticate the cardholder, reducing fraud and boosting trust.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">It also protects merchants by transferring liability to the issuer bank if the transaction meets SCA standards.<\/li>\n<\/ul>\n<p>So, beyond compliance, using <a href=\"https:\/\/razorpay.com\/blog\/3ds-2-0-and-what-it-means-for-indian-exporters\/\">3DS2<\/a> helps lower <a href=\"https:\/\/razorpay.com\/blog\/what-is-a-chargeback\/\">chargeback<\/a> risks and improve fraud protection\u2014critical for high-volume online businesses.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exemptions_to_Strong_Customer_Authentication_Rules\"><\/span><b>Exemptions to Strong Customer Authentication Rules<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Not all transactions require Strong Customer Authentication. The regulation allows specific exemptions based on risk level, transaction amount, or type of payment. These exemptions help maintain a smooth customer experience without compromising security.<\/p>\n<p>That said, banks and <a href=\"https:\/\/razorpay.com\/learn\/what-is-a-card-issuer\/\">card issuers<\/a> ultimately decide whether to accept an exemption. As a merchant, you can request an exemption, but you\u2019ll need to support full authentication if it&#8217;s denied.<\/p>\n<p><strong>Let\u2019s break down the most common SCA exemptions:<\/strong><\/p>\n<h3><b>1. Transactions with Low Risk<\/b><\/h3>\n<p>If a transaction has a low risk of fraud, and the payment provider or bank has robust fraud monitoring systems, SCA can be skipped. This is known as Transaction Risk Analysis (TRA).<br \/>\nThresholds depend on the fraud rate of the payment provider\u2014lower fraud = higher exemption limits.<\/p>\n<h3><b>2. Small Payments Under \u20ac30\/\u00a325<\/b><\/h3>\n<p>Payments below \u20ac30 or \u00a325 may not require SCA.<br \/>\nHowever, SCA will be triggered if:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">More than five consecutive low-value transactions are made without authentication, or<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The total value of exempted transactions exceeds \u20ac100.<span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><b>3. Regular Recurring Payments<\/b><\/h3>\n<p>Fixed-amount subscriptions (like Netflix or Spotify) are typically exempt after the first transaction, which requires SCA.<br \/>\nSubsequent payments of the same amount and recipient can skip authentication.<\/p>\n<h3><b>4. Merchant-Initiated Payments (e.g., Variable Subscriptions)<\/b><\/h3>\n<p>These are payments initiated by the merchant, not the customer, like metered billing or top-ups.<br \/>\nThey\u2019re exempt as long as the initial setup involved SCA and the customer agreed to it.<\/p>\n<h3><b>5. Phone Orders and Mail Orders (MOTO Payments)<\/b><\/h3>\n<p>MOTO payments are not subject to SCA because they aren\u2019t considered electronic transactions initiated by the customer.<br \/>\nThese should be flagged properly in the <a href=\"https:\/\/razorpay.com\/blog\/what-is-a-payment-request\/\">payment request<\/a> to avoid declines.<\/p>\n<h3><b>6. Business or Corporate Payments<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Payments made through <\/span>secure corporate payment systems (like lodge cards or virtual cards used by travel agents) may be exempt.<\/p>\n<h3><b>7. Payments to Trusted Merchants<\/b><\/h3>\n<p>Customers can whitelist a merchant with their bank. Once a business is marked as &#8220;trusted&#8221;, future payments may not require SCA.<br \/>\nNote: Only the bank can manage this list, not the merchant.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Happens_If_an_Exemption_Is_Rejected\"><\/span><b>What Happens If an Exemption Is Rejected?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Even if a transaction qualifies for an exemption, the bank or issuer has the final say. If they decline the exemption, SCA is required to complete the payment.<\/p>\n<h3><b>What should businesses do?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Implement fallback flows<\/b><span style=\"font-weight: 400;\">: Make sure your checkout experience can seamlessly handle both exempted and authenticated transactions.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Communicate clearly<\/b><span style=\"font-weight: 400;\">: If extra steps are required, inform customers why, so they don\u2019t drop off.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use modern payment providers<\/b><span style=\"font-weight: 400;\">: Platforms like Razorpay or Stripe automatically handle exemptions and re-route users to authentication if needed\u2014minimising friction.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Strong Customer Authentication is a critical layer of security that protects both businesses and customers from <a href=\"https:\/\/razorpay.com\/blog\/online-payment-fraud-and-risk-mitigation\/\">online payment fraud<\/a>. While compliance is mandatory in the EEA, the right use of exemptions can strike a balance between security and seamless checkout.<\/p>\n<p>By working with a payment provider that supports smart authentication flows, businesses can stay compliant without compromising on user experience.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span><b>Frequently Asked Questions (FAQs)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. How does Strong Customer Authentication impact online payments?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">SCA adds an extra layer of security, requiring customers to verify themselves with two or more factors during checkout. This reduces fraud but can add friction if not implemented well.<\/span><\/p>\n<h3><b>2. What are the elements of Strong Customer Authentication?<\/b><\/h3>\n<p>SCA requires at least two out of three of the following:<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Knowledge<\/b><span style=\"font-weight: 400;\"> (something the customer knows \u2013 e.g., password or PIN)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Possession<\/b><span style=\"font-weight: 400;\"> (something the customer has \u2013 e.g., phone or card)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inherence<\/b><span style=\"font-weight: 400;\"> (something the customer is \u2013 e.g., fingerprint or facial recognition)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><b>3. How do I set up Strong Customer Authentication on my website?<\/b><\/h3>\n<p>Use a payment gateway that supports SCA (like Razorpay or Stripe). Ensure your checkout flow supports 3D Secure 2, fallback options, and exemption handling.<\/p>\n<h3><b>4. Who needs to comply with SCA regulations?<\/b><\/h3>\n<p>Any business processing electronic payments initiated by customers within the EEA must comply with SCA. This includes e-commerce sites, apps, and service providers.<\/p>\n<h3><b>5. Does SCA apply to all online transactions?<\/b><\/h3>\n<p>No. Exemptions apply for low-risk transactions, small amounts, recurring payments, and more. However, banks can still require authentication, even if an exemption is requested.<\/p>\n<h3><b>6. What happens if an SCA exemption fails?<\/b><\/h3>\n<p>The customer will be prompted to complete authentication using methods like OTP or biometrics. If they fail to authenticate, the payment may be declined.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Does Strong Customer Authentication Mean? Strong Customer Authentication (SCA) is a regulatory requirement under the Payment Services Directive 2 (PSD2) in Europe, aimed at reducing online fraud and making digital payments more secure. In simple terms, SCA ensures that customers are who they say they are\u2014by asking for more than just a password or<\/p>\n","protected":false},"author":129,"featured_media":23628,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[1033,1030,1032,1031],"class_list":{"0":"post-22881","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payments","8":"tag-authentication","9":"tag-customer-authentication","10":"tag-sca-authentication","11":"tag-strong-customer-authentication"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/22881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/129"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=22881"}],"version-history":[{"count":2,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/22881\/revisions"}],"predecessor-version":[{"id":22885,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/22881\/revisions\/22885"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/23628"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=22881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=22881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=22881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}