card_authorization.challenge
Webhook Event for Out of Band Authorization Challenge
Event Type
event_type: card_authorization.challenge
- enum: required
- The type of event that occurred.
Authorization
authorization: Required object that triggered the challenge
- Card Authorization object
Challenge
challenge: Required object that includes details of the Authorization Challenge
- Authorization Challenge object
Response Code
Example JSON Response
{
"event_type": "card_authorization.challenge",
"authorization": {
"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": "2026-07-18T00:26:01.403Z",
"created": "2026-07-18T00:26:01.403Z",
"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": "2026-07-18T00:26:01.403Z",
"completed_at": "2026-07-18T00:26:01.403Z"
},
"name_validation": {
"name": {
"first": "string",
"middle": "string",
"last": "string"
},
"name_on_file_match": {
"full_name": "MATCH"
}
}
},
"challenge": {
"event_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
"start_time": "2026-07-18T00:26:01.403Z",
"expiry_time": "2026-07-18T00:26:01.403Z"
}
}