three_ds_authentication.updated

Represents a 3DS authentication

event_type

• Type: const
• Enum: required
• Description: The type of event that occurred.
  • Values: three_ds_authentication.updated

account_type

• Type: string | null
• Enum: required
• Description: Type of account/card that is being used for the transaction. Maps to EMV 3DS field acctType.
  • Values: CREDIT, DEBIT, NOT_APPLICABLE, null

additional_data

• Type: object | null
• Description: Object containing additional data about the 3DS request that is beyond the EMV 3DS standard spec.

app

• Type: object | null
• Description: Object containing data about the app used in the e-commerce transaction. Present if the channel is 'APP_BASED'.

authentication_request_type

• Type: string | null
• Enum: Type of authentication request.
  • Values: ADD_CARD, BILLING_AGREEMENT, DELAYED_SHIPMENT, EMV_TOKEN, CARDHOLDER_VERIFICATION, INSTALLMENT_TRANSACTION, MAINTAIN_CARD, PAYMENT_TRANSACTION, RECURRING_TRANSACTIONS, SPLIT_PAYMENTS, SPLIT_SHIPMENT, null

authentication_result

• Type: string
• Enum: required
• Description: Indicates the outcome of the 3DS authentication process.
  • Values: DECLINE, SUCCESS, PENDING_CHALLENGE, PENDING_DECISION

browser

• Type: object | null
• Description: Object containing data about the browser used in the e-commerce transaction. Present if the channel is 'BROWSER'.

card_expiry_check

• Type: string
• Enum: required
• Description: Indicates whether the expiration date provided matches Lithic's record.
  • Values: MATCH, MISMATCH, NOT_PRESENT

card_token

• Type: uuid
• Description: Globally unique identifier for the card on which the 3DS authentication has occurred.

cardholder

• Type: object
• Description: Object containing data about the cardholder provided during the transaction.

challenge_metadata

• Type: object | null
• Description: Metadata about the challenge method and delivery.

challenge_orchestrated_by

• Type: string | null
• Enum: Indicates the entity that orchestrates the challenge.
  • Values: LITHIC, CUSTOMER, NO_CHALLENGE, null

channel

• Type: string
• Enum: required
• Description: Channel in which the authentication occurs.
  • Values: APP_BASED, BROWSER, THREE_DS_REQUESTOR_INITIATED

created

• Type: date-time
• Description: Date and time when the authentication was created.
  • Format: yyyy-MM-dd'T'hh:mm:ssZ

decision_made_by

• Type: string | null
• Enum: Entity that made the authentication decision.
  • Values: LITHIC_RULES, LITHIC_DEFAULT, CUSTOMER_RULES, CUSTOMER_ENDPOINT, NETWORK, UNKNOWN, null

merchant

• Type: object
• Description: Object containing data about the merchant involved in the e-commerce transaction.

message_category

• Type: string
• Enum: required
• Description: Either PAYMENT_AUTHENTICATION or NON_PAYMENT_AUTHENTICATION.
  • Values: NON_PAYMENT_AUTHENTICATION, PAYMENT_AUTHENTICATION

three_ds_requestor_challenge_indicator

• Type: string
• Enum: required
• Description: Indicates whether a challenge is requested for this transaction.
  • Values: NO_PREFERENCE, NO_CHALLENGE_REQUESTED, CHALLENGE_PREFERENCE, CHALLENGE_MANDATE, NO_CHALLENGE_RISK_ALREADY_ASSESSED, DATA_SHARE_ONLY, OTHER

three_ri_request_type

• Type: string | null
• Enum: Type of 3DS Requestor Initiated (3RI) request.
  • Values: ACCOUNT_VERIFICATION, ADD_CARD, BILLING_AGREEMENT, CARD_SECURITY_CODE_STATUS_CHECK, DELAYED_SHIPMENT, DEVICE_BINDING_STATUS_CHECK, INSTALLMENT_TRANSACTION, MAIL_ORDER, MAINTAIN_CARD_INFO, OTHER_PAYMENT, RECURRING_TRANSACTIONS, SPLIT_PAYMENTS, SPLIT_SHIPMENT, TELEPHONE_ORDER, TOP_UP, TRUST_LIST_STATUS_CHECK, null

token

• Type: uuid
• Description: Globally unique identifier for the 3DS authentication.

transaction

• Type: object | null
• Description: Object containing data about the e-commerce transaction for which the merchant is requesting authentication.

Sample Response:

{
  "event_type": "three_ds_authentication.updated",
  "account_type": "CREDIT",
  "additional_data": {
    "network_decision": "LOW_RISK",
    "network_risk_score": 0
  },
  "app": {
    "device_info": "string",
    "ip": "string",
    "platform": "string",
    "device": "string",
    "os": "string",
    "locale": "string",
    "time_zone": "string",
    "screen_width": 0,
    "screen_height": 0,
    "latitude": 0,
    "longitude": 0
  },
  "authentication_request_type": "ADD_CARD",
  "authentication_result": "DECLINE",
  "browser": {
    "accept_header": "string",
    "ip": "198.51.100.42",
    "java_enabled": true,
    "javascript_enabled": true,
    "language": "string",
    "time_zone": "string",
    "user_agent": "string"
  },
  "card_expiry_check": "MATCH",
  "card_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "cardholder": {
    "address_match": true,
    "address_on_file_match": "MATCH",
    "billing_address": {
      "address1": "string",
      "address2": "string",
      "address3": "string",
      "city": "string",
      "country": "string",
      "postal_code": "string"
    },
    "email": "string",
    "name": "string",
    "phone_number_home": "string",
    "phone_number_mobile": "string",
    "phone_number_work": "string",
    "shipping_address": {
      "address1": "string",
      "address2": "string",
      "address3": "string",
      "city": "string",
      "country": "string",
      "postal_code": "string"
    }
  },
  "challenge_metadata": {
    "method_type": "SMS_OTP",
    "phone_number": "string",
    "status": "SUCCESS"
  },
  "challenge_orchestrated_by": "LITHIC",
  "channel": "APP_BASED",
  "created": "2026-07-18T00:26:08.153Z",
  "decision_made_by": "LITHIC_RULES",
  "merchant": {
    "country": "string",
    "id": "string",
    "mcc": "string",
    "name": "string",
    "risk_indicator": {
      "delivery_email_address": "string",
      "delivery_time_frame": "ELECTRONIC_DELIVERY",
      "gift_card_amount": 0,
      "gift_card_count": 0,
      "gift_card_currency": "string",
      "order_availability": "FUTURE_AVAILABILITY",
      "pre_order_available_date": "2026-07-18T00:26:08.153Z",
      "reorder_items": "FIRST_TIME_ORDERED",
      "shipping_method": "DIGITAL_GOODS"
    }
  },
  "message_category": "NON_PAYMENT_AUTHENTICATION",
  "three_ds_requestor_challenge_indicator": "NO_PREFERENCE",
  "three_ri_request_type": "ACCOUNT_VERIFICATION",
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "transaction": {
    "amount": 0,
    "cardholder_amount": 0,
    "currency": "string",
    "currency_exponent": 0,
    "date_time": "2026-07-18T00:26:08.153Z",
    "type": "ACCOUNT_FUNDING"
  }
}