Lithic · Schema

Cardholder Authentication

FinTechBaaSCard IssuingPaymentsEmbedded Finance

Properties

Name Type Description
authentication_result string Indicates the outcome of the 3DS authentication process.
authentication_method string Indicates the method used to authenticate the cardholder.
decision_made_by string Indicates which party made the 3DS authentication decision.
liability_shift string Indicates whether chargeback liability shift applies to the transaction. Possible enum values: * `3DS_AUTHENTICATED`: The transaction was fully authenticated through a 3-D Secure flow, chargeback liab
three_ds_authentication_token object
View JSON Schema on GitHub

JSON Schema

lithic-cardholder-authentication-schema.json Raw ↑ 
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/cardholder_authentication",
  "title": "Cardholder Authentication",
  "type": "object",
  "properties": {
    "authentication_result": {
      "description": "Indicates the outcome of the 3DS authentication process.",
      "enum": [
        "ATTEMPTS",
        "DECLINE",
        "NONE",
        "SUCCESS"
      ],
      "example": "SUCCESS",
      "type": "string"
    },
    "authentication_method": {
      "description": "Indicates the method used to authenticate the cardholder.",
      "enum": [
        "FRICTIONLESS",
        "CHALLENGE",
        "NONE"
      ],
      "example": "FRICTIONLESS",
      "type": "string"
    },
    "decision_made_by": {
      "description": "Indicates which party made the 3DS authentication decision.",
      "enum": [
        "CUSTOMER_RULES",
        "CUSTOMER_ENDPOINT",
        "LITHIC_DEFAULT",
        "LITHIC_RULES",
        "NETWORK",
        "UNKNOWN"
      ],
      "example": "LITHIC_RULES",
      "type": "string"
    },
    "liability_shift": {
      "description": "Indicates whether chargeback liability shift applies to the transaction. Possible enum values:\n  * `3DS_AUTHENTICATED`: The transaction was fully authenticated through a 3-D Secure flow, chargeback liability shift applies.\n  * `NONE`: Chargeback liability shift has not shifted to the issuer, i.e. the merchant is liable.\n  * `TOKEN_AUTHENTICATED`: The transaction was a tokenized payment with validated cryptography, possibly recurring. Chargeback liability shift to the issuer applies.\n",
      "example": "3DS_AUTHENTICATED",
      "enum": [
        "3DS_AUTHENTICATED",
        "TOKEN_AUTHENTICATED",
        "NONE"
      ],
      "type": "string"
    },
    "three_ds_authentication_token": {
      "oneOf": [
        {
          "type": "null",
          "description": "3DS authentication token not available."
        },
        {
          "type": "string",
          "example": "a6e372d0-b40a-43eb-b0d1-4e1aebef5875",
          "format": "uuid",
          "description": "Unique identifier you can use to match a given 3DS authentication (available via the three_ds_authentication.created event webhook) and the transaction. Note that in cases where liability shift does not occur, this token is matched to the transaction on a best-effort basis."
        }
      ]
    }
  },
  "required": [
    "authentication_result",
    "authentication_method",
    "decision_made_by",
    "liability_shift",
    "three_ds_authentication_token"
  ]
}