{
  "event_type": "card_authorization.approval_request",
  "merchant": {
    "acceptor_id": "333301802529120",
    "acquiring_institution_id": "191231",
    "city": "NEW YORK",
    "country": "USA",
    "descriptor": "COFFEE SHOP",
    "mcc": "5812",
    "state": "NY",
    "postal_code": "10001",
    "street_address": "123 MAIN ST",
    "phone_number": "5551234567"
  },
  "service_location": {
    "street_address": "string",
    "city": "string",
    "state": "string",
    "country": "string",
    "postal_code": "string"
  },
  "avs": {
    "address": "string",
    "zipcode": "string",
    "address_on_file_match": "MATCH"
  },
  "card": {
    "last_four": "string",
    "memo": "string",
    "spend_limit": 0,
    "spend_limit_duration": "ANNUALLY",
    "state": "CLOSED",
    "type": "SINGLE_USE",
    "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
  },
  "cardholder_authentication": {
    "authentication_result": "SUCCESS",
    "authentication_method": "FRICTIONLESS",
    "decision_made_by": "LITHIC_RULES",
    "liability_shift": "3DS_AUTHENTICATED",
    "three_ds_authentication_token": "a6e372d0-b40a-43eb-b0d1-4e1aebef5875"
  },
  "pos": {
    "entry_mode": {
      "card": "PRESENT",
      "cardholder": "DEFERRED_BILLING",
      "pan": "AUTO_ENTRY",
      "pin_entered": true
    },
    "terminal": {
      "acceptor_terminal_id": "string",
      "attended": true,
      "card_retention_capable": true,
      "on_premise": true,
      "operator": "ADMINISTRATIVE",
      "partial_approval_capable": true,
      "pin_capability": "CAPABLE",
      "type": "ADMINISTRATIVE"
    }
  },
  "acquirer_fee": 0,
  "cash_amount": 0,
  "cashback": 0,
  "token_info": {
    "wallet_type": "APPLE_PAY"
  },
  "ttl": "2026-07-18T03:11:42.765Z",
  "created": "2026-07-18T03:11:42.765Z",
  "network": "AMEX",
  "network_risk_score": 0,
  "amounts": {
    "cardholder": {
      "amount": 0,
      "conversion_rate": "1.000000",
      "currency": "USD"
    },
    "merchant": {
      "amount": 0,
      "currency": "USD"
    },
    "settlement": {
      "amount": 0,
      "currency": "USD"
    },
    "hold": {
      "amount": 0,
      "currency": "USD"
    }
  },
  "status": "AUTHORIZATION",
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "event_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "fleet_info": {
    "driver_number": "string",
    "vehicle_number": "string",
    "fleet_restriction_code": "NO_RESTRICTIONS",
    "fleet_prompt_code": "NO_PROMPT"
  },
  "network_specific_data": {
    "mastercard": {
      "transaction_type_identifier": "string",
      "ecommerce_security_level_indicator": "string",
      "on_behalf_service_result": [
        {
          "service": "string",
          "result_1": "string",
          "result_2": "string"
        }
      ]
    },
    "visa": {
      "business_application_identifier": "string"
    }
  },
  "account_type": "DEFAULT",
  "transaction_initiator": "CARDHOLDER",
  "latest_challenge": {
    "status": "COMPLETED",
    "method": "SMS",
    "phone_number": "string",
    "created": "2026-07-18T03:11:42.765Z",
    "completed_at": "2026-07-18T03:11:42.765Z"
  },
  "name_validation": {
    "name": {
      "first": "string",
      "middle": "string",
      "last": "string"
    },
    "name_on_file_match": {
      "full_name": "MATCH"
    }
  }
}