> ## 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.

# Glossary

> List of commonly used terms related to Razorpay International Payments.

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  <span style={{fontWeight:600}}>Available in</span>
  <span>🇮🇳 India</span>
  <span>🇸🇬 Singapore</span>
  <span>🇺🇸 United States</span>
</div>

The following table lists all the commonly used terms in international payments and their descriptions.

| Terms                  | Description                                                                                                                                                                                   |
| ---------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| International Payments | International payments are transactions where the payer and the payee are in different countries, involving cross-border funds transfer and currency conversion processes.                    |
| Currency Conversion​   | The process of converting one currency into another during an international transaction. Razorpay Settlements occur in SGDMYRUSD based on the conversion rate at the time of payment.         |
| Non-3DS Transactions   | Payments processed without the 3D Secure protocol, often used for international card transactions. These transactions carry higher risk due to the lack of an additional authentication step. |