3DS2 Migration Guide for Existing S2S Cards Integration

If you integrated with our S2S APIs before October 15, 2022, you must make the following changes to your integration to accept card payments with 3DS2 authentication protocol.

Watch Out!

You must have a PCI compliance certificate to get this feature enabled on your account.

3DS2 Authentication

3DS2 is an authentication protocol, the successor of 3DS1, that enables businesses and payment providers to send additional information (such as customer device or browser data) to verify the transaction's authenticity. Razorpay integration is compliant with the 3DS2 protocol.

Know more: Razorpay supports

3DS2 transactions

The customer's bank evaluates the transaction for risk and decide on the payment flow.

Frictionless Flow: This flow is activated if the bank determines that the transaction is from a trusted device and allows the payment to go through without any additional authentication from the customer.

Currently, this would not be applicable in India for domestic payments as RBI mandates OTP-based authentication. For international payments, this flow is viable.

Challenge Flow: This flow is activated if the bank determines that the transaction is not from a trusted device and needs additional information. The customer needs to perform additional authentication steps.

Handy Tips

Integration does not differ for challenge or frictionless flow.
Frictionless flow is not applicable for payments on cards.

Given below is a diagram that explains the 3DS2 flow:

Quick Summary of Integration Changes

Ensure you make the following changes in your Create a Payment API request. There is no change in the response.

Parameter Changes	Description
New Parameters	Pass these new parameters: `authentication` and related child parameter: These determine the authentication channel being used. `browser` and related child parameters: These capture the customer's browser details , which are sent to the banks to aid their risk analysis.
Existing Parameter	The `ip` parameter is now mandatory.

Sample Code

The following endpoint creates a payment via the redirect flow.

POST

/payments/create/json

curl -X POST \
https://api.razorpay.com/v1/payments/create/json \
-u [YOUR_KEY_ID]:[YOUR_KEY_SECRET] \
-H "Content-Type: application/json" \
-d '{
	"amount": 100,
	"currency": "INR",
	"contact": "9900008989",
	"email": "gaurav.kumar@example.com",
	"order_id": "order_DPzFe1Q1dEOKed",
	"method": "card",
	"card":{
    	   "number": "4111111111111111",
    	   "name": "Gaurav",
    	   "expiry_month": 11,
    	   "expiry_year": 23,
    	   "cvv": 100
      },
      "authentication":{
    	   "authentication_channel": "browser"
      },
      ### 3DS2.0 Browser Parameters###
      "browser":{
    	   "java_enabled": false,
    	   "javascript_enabled": false,
    	   "timezone_offset": 11,
    	   "color_depth": 23,
    	   "screen_width": 23,
    	   "screen_height": 100
        },
     "ip": "105.106.107.108",
     "referer": "https://merchansite.com/example/paybill",
     "user_agent": "Mozilla/5.0" 
}'

Handy Tips

The payment request and response would remain same for both frictionless and challenge scenarios.
The payment request would remain same for both redirection and native OTP flows.

Request Parameters

amount

mandatory

integer Payment amount in the smallest currency sub-unit. For example, if the amount to be charged is ₹299.00, then pass 29900 in this field.

currency

mandatory

string Currency code for the currency in which you want to accept the payment. For example, INR. Refer to the list of supported currencies. Length must be of 3 characters.

order_id

mandatory

string Unique identifier of the Order generated in the first step.

mandatory

string Email address of the customer. Maximum length supported is 40 characters.

contact

mandatory

string Phone number of the customer. Maximum length supported is 15 characters, inclusive of country code.

method

mandatory

string Name of the payment method. Possible value is card.

card

mandatory

object Details associated with the card.

number

string Unformatted card number.

name

string Name of the cardholder.

expiry_month

string Expiry month for the card in MM format.

expiry_year

string Expiry year for the card in YY format.

cvv

string CVV printed on the back of the card.

Handy Tips

CVV is not required by default for Visa and Amex tokenised cards.
To enable CVV-less flow for Rupay and MasterCard, contact our
support team
.
CVV is mandatory for Diners tokenised cards.
CVV is an optional field. Skip passing the cvv parameter to Razorpay to implement this change.

notes

optional

object Key-value object used for passing tracking info. Refer to

Notes

for more details.

callback_url

optional

string URL endpoint where Razorpay will submit the final payment status.

referrer

optional

string Referrer header passed by the client's browser.

user-agent

mandatory

string The User-Agent header of the user's browser. Default value will be passed by Razorpay if not provided by merchant.

mandatory

string The customer's IP address.

authentication

optional

object Details of the authentication channel.

authentication_channel

string The authentication channel for the payment. Possible values:

browser (default)
app

browser

mandatory

object Information regarding the customer's browser. This parameter need not be passed when authentication_channel=app.

java_enabled

boolean Indicates whether the customer's browser supports Java. Obtained from the navigator HTML DOM object.

javascript_enabled

boolean Indicates whether the customer's browser is able to execute JavaScript.Obtained from the navigator HTML DOM object.

timezone_offset

integer Time difference between UTC time and the cardholder browser local time. Obtained from the getTimezoneOffset() method applied to Date object.

screen_width

integer Total width of the payer's screen in pixels. Obtained from the screen.width HTML DOM property.

screen_height

integer Obtained from the navigator HTML DOM object.

color_depth

integer Obtained from payer's browser using the screen.colorDepth HTML DOM property.

language

string Obtained from payer's browser using the navigator.language HTML DOM property. Maximum limit of 8 characters.

Response Parameters

If the payment request is valid, the response contains the following fields.

razorpay_payment_id

string Unique identifier of the payment. Present for all responses.

array A list of action objects available to you to continue the payment process.

action

string An indication of the next step available to you to continue the payment process. Possible value:

redirect: The payment requires the customer to be redirected to a bank page. Redirect the customer's browser to the URL returned in the url attribute of the object.

url

string URL to be used for the action indicated. For redirect, this will be a URL that the customer's browser needs to be redirected to for authentication.

Next Step

The rest of the integration steps mentioned in the

S2S JSON V1 Cards Build Integration document

remain the same. No changes are required in those.

After completing the build integration steps, you can continue with

Step 2: Test Integration