> ## Documentation Index
> Fetch the complete documentation index at: https://razorpay-881012b3.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# 3DS2 Protocol for Card Payments

> Razorpay supports the 3DS2 protocol for card payments and helps in adding additional layers of authentication to prevent fraud.

<div style={{display:"flex",flexWrap:"wrap",alignItems:"center",gap:"0.35rem 0.9rem",border:"1px solid rgba(128,128,128,0.28)",borderRadius:"0.5rem",padding:"0.45rem 0.75rem",margin:"0 0 1.25rem",fontSize:"0.875rem"}}>
  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
</div>

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.

This helps the customer's bank to evaluate 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.

<Info>
  **Handy Tips**

  * Integration does not differ for challenge or frictionless flow.
  * Frictionless flow is not applicable for payments on cards issued in India.
</Info>

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

<img src="https://razorpay.com/docs/build/browser/assets/images/cards-3ds-flowchart.jpg" alt="Cards 3DS2 Protocol" width="800" />

### Next Steps

Choose the integration suitable for you:

* [Integration Steps for New Razorpay Businesses (Integrating after October 15, 2022)](/docs/payments/payment-gateway/s2s-integration/json/v2/build-integration/cards)
* [Migration Steps for Existing Razorpay Businesses (Integrated before October 15, 2022)](/docs/payments/payment-gateway/s2s-integration/json/v2/build-integration/cards/migrate-3ds2.0)