3DS2 Migration Guide for Existing S2S Cards Integration

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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 decides 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 the challenge flow or the frictionless flow.
Frictionless flow is not applicable for payments on cards issued in India.

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. /payments/create/redirect

Request

curl -X POST \
https://api.razorpay.com/v1/payments/create/redirect \
-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": "4386289407660153",
    	   "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" 
}'
```html: Response

	Processing, Please Wait...
	
	
	
	
	
	
		* {
			box-sizing: border-box;
			margin: 0;
			padding: 0;
		}

		body {
			background: #f5f5f5;
			overflow: hidden;
			text-align: center;
			height: 100%;
			white-space: nowrap;
			margin: 0;
			padding: 0;
			font-family: -apple-system, BlinkMacSystemFont, ubuntu, verdana, helvetica, sans-serif;
		}

		#bg {
			position: absolute;
			bottom: 50%;
			width: 100%;
			height: 50%;
			background: #198C78;
			margin-bottom: 90px;
		}

		#cntnt {
			position: relative;
			width: 100%;
			vertical-align: middle;
			display: inline-block;
			margin: auto;
			max-width: 420px;
			min-width: 280px;
			height: 95%;
			max-height: 360px;
			background: #fff;
			z-index: 9999;
			box-shadow: 0 0 20px 0 rgba(0, 0, 0, 0.16);
			border-radius: 4px;
			overflow: hidden;
			padding: 24px;
			box-sizing: border-box;
			text-align: left;
		}

		#ftr {
			position: absolute;
			left: 0;
			right: 0;
			bottom: 0;
			height: 80px;
			background: #f5f5f5;
			text-align: center;
			color: #212121;
			font-size: 14px;
			letter-spacing: -0.3px;
		}

		#ftr_new {
			display: flex;
			justify-content: space-between;
			align-items: center;
			padding: 0 24px;
			position: absolute;
			left: 0;
			right: 0;
			bottom: 0;
			height: 80px;
			background: #f5f5f5;
			text-align: center;
			color: #212121;
			font-size: 14px;
			letter-spacing: -0.3px;
		}

		#ldr {
			width: 100%;
			height: 3px;
			position: relative;
			margin-top: 16px;
			border-radius: 3px;
			overflow: hidden;
		}

		#ldr::before,
		#ldr::after {
			content: '';
			position: absolute;
			top: 0;
			bottom: 0;
			width: 100%;
		}

		#ldr::before {
			top: 1px;
			border-top: 1px solid #bcbcbc;
		}

		#ldr::after {
			background: #198C78;
			width: 0%;
			transition: 20s cubic-bezier(0, 0.1, 0, 1);
		}

		.loaded #ldr::after {
			width: 90%;
		}

		#logo {
			width: 48px;
			height: 48px;
			padding: 8px;
			border: 1px solid #e5e5e5;
			border-radius: 3px;
			text-align: center;
		}

		#hdr {
			min-height: 48px;
			position: relative;
		}

		#logo,
		#name,
		#amt {
			display: inline-block;
			vertical-align: middle;
			letter-spacing: -0.5px;
		}

		#amt {
			position: absolute;
			right: 0;
			top: 0;
			background: #fff;
			color: #212121;
		}

		#name {
			line-height: 48px;
			margin-left: 12px;
			font-size: 16px;
			max-width: 140px;
			overflow: hidden;
			text-overflow: ellipsis;
			color: #212121;
		}

		#logo+#name {
			line-height: 20px;
		}

		#txt {
			height: 200px;
			text-align: center;
		}

		#title {
			font-size: 20px;
			line-height: 24px;
			margin-bottom: 8px;
			letter-spacing: -0.3px;
		}

		#msg,
		#cncl {
			font-size: 14px;
			line-height: 20px;
			color: #757575;
			margin-bottom: 8px;
			letter-spacing: -0.3px;
		}

		#cncl {
			text-decoration: underline;
			cursor: pointer;
		}

		#logo img {
			max-width: 100%;
			max-height: 100%;
			vertical-align: middle;
		}

		@media (max-height:580px),
		(max-width:420px) {
			#bg {
				display: none;
			}

			body {
				background: #198C78;
			}
		}

		@media (max-width:420px) {
			#cntnt {
				padding: 16px;
				width: 95%;
			}

			#name {
				margin-left: 8px;
			}
		}

		@media (max-height:580px),
		(max-width:420px) {
			#ftr_new {
				padding: 0 16px;
			}
		}
	

	var events = {
    page: 'payment_redirect_postform',
    props: {
          payment_id: 'pay_LMHFoJ8HSiFTe9',
              merchant_id: '8TgNt9DVrJB0bl',
        },
    load: true,
    unload: true
  }

	!function(e){e.track=Boolean;try{if(/razorpay\.in$/.test(location.origin))return;if("object"!=typeof e.events)return;var n=e.events.props;if(0===Object.keys(n).length)return;var t,o=e.events,r=o.page,a=o.load,s=o.unload,i=o.error,c="https://lumberjack.razorpay.com/v1/track",u="MC40OTMwNzgyMDM3MDgwNjI3Nw9YnGzW",p="function"==typeof navigator.sendBeacon,d=Date.now(),f=[{name:"ua_parser",input_key:"user_agent",output_key:"user_agent_parsed"}];function l(e,o){(o=o||{}).beacon=p,o.time_since_render=Date.now()-d,o.url=location.href,function(e,n){if(e&&n)Object.keys(n).forEach(function(t){e[t]=n[t]})}(o,n);var a={addons:f,events:[{event:r+":"+e,properties:o,timestamp:Date.now()}]},s=encodeURIComponent(btoa(unescape(encodeURIComponent(JSON.stringify(a))))),i=JSON.stringify({key:u,data:s});p?navigator.sendBeacon(c,i):((t=new XMLHttpRequest).open("post",c,!0),t.send(i))}a&&l("load"),s&&e.addEventListener("unload",function(){l("unload")}),i&&e.addEventListener("error",function(e){l("error",{message:e.message,line:e.line,col:e.col,stack:e.error&&e.error.stack})})}catch(e){}e.track=l}(window);

	
	
	
		
			
				RazorPay
			
		
		
		
			
				Loading Bank page…
				Please wait while we redirect you to your Bank page

			
			
		
		
			Secured by
				
				
			
		
		
			setTimeout(function() {
      document.body.className = 'loaded';
    }, 10);

    setTimeout(function(){
      document.getElementById('title').innerHTML = 'Still trying to load...';
      document.getElementById('msg').innerHTML = 'The bank page is taking time to load.';
    }, 10000);
		

```json: Failure Response
{
  "error_code": "BAD_REQUEST_ERROR",
  "error_description": "Payment failed",
  "error_source": "gateway",
  "error_step": "payment_authorization",
  "error_reason": "payment_failed"
}

Handy Tips

The payment request and response would remain the same for both the frictionless and challenge flows.
The payment request would remain the 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, 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. The length must be 3 characters. order_id mandatory : string Unique identifier of the Order generated in the first step. email mandatory : string Email address of the customer. The maximum length supported is 40 characters. contact mandatory : string Phone number of the customer. The 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 tokenised cards across all networks.
CVV is optional for tokenised card payments. Do not pass dummy CVV values.
To implement this change, skip passing the cvv parameter entirely, or pass a null or empty value in the CVV field.
We recommend removing the CVV field from your checkout UI/UX for tokenised cards.
If CVV is still collected for tokenised cards and the customer enters a CVV, pass the entered CVV value to Razorpay.

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. The default value will be passed by Razorpay if not provided by you. ip 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. Possible values:

true: Customer’s browser supports Java.
false: Customer’s browser does not support Java.

javascript_enabled : boolean Indicates whether the customer’s browser can execute JavaScript. Obtained from the navigator HTML DOM object. Possible values:

true: Customer’s browser can execute JavaScript.
false: Customer’s browser cannot execute JavaScript.

timezone_offset : integer Time difference between UTC time and the cardholder’s 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 the payer’s browser using the screen.colorDepth HTML DOM property. language : string Obtained from the payer’s browser using the navigator.language HTML DOM property. Maximum limit of 8 characters.

Response Parameters

Descriptions for the response parameters are present in the Payments Entity parameters table.

Response Types

2OO OK :The response contains 200 OK code along with the HTML content that needs to be opened in the customer’s browser. This HTML content contains form fields which will be automatically posted to the bank or wallet URL (specified in the form) to continue with the payment process. 400 Bad Request : This can happen when erroneous parameters are passed in the request, for example, invalid currency or wrong card number. Know more about errors. The HTML form returned in the response should be opened in the customer’s browser. The customer completes the payment on the displayed page.

Next Step

The rest of the integration steps mentioned in the S2S Redirect 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

​3DS2 Authentication

​Quick Summary of Integration Changes

​Parameter Changes | Description

​Sample Code

​Request Parameters

​Response Parameters

​Response Types

​Next Step

3DS2 Authentication

Quick Summary of Integration Changes

Parameter Changes | Description

Sample Code

Request Parameters

Response Parameters

Response Types

Next Step