Flow supports the following card authentication methods for 3D Secure (3DS) authentication in Google Pay:
PAN_ONLY– The card is stored on file with your customer's Google account. The payment credentials are not bound to an Android device. For example, desktop or non-Android mobile web.CRYPTOGRAM_3DS– Google Pay offers SCA compliance by binding payment credentials to an Android device and allowing issuers to delegate the authentication to Google for all subsequent payments on that device.
Note that CRYPTOGRAM_3DS is only supported by Android devices that can store the cardholder details as tokens. Even if the Android device supports it, CRYPTOGRAM_3DS does not work if the user does not complete the required steps to add their card details to Google Wallet.