Lithic · Schema

Card Authorization Challenge Response

FintechCard IssuingPaymentsIssuer ProcessorKYCBanking as a Service

Properties

Name	Type	Description
event_type	string	Event type
event_token	string	Globally unique identifier for the event
transaction_token	stringnull	The token of the transaction associated with the authorization event being challenged
card_token	stringnull	The token of the card associated with the challenge
challenge_method	string	The method used to deliver the challenge to the cardholder
response	string	The cardholder's response to the challenge
created	string	The timestamp of when the challenge was created
completed	stringnull	The timestamp of when the challenge was completed

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/card-authorization-challenge-response",
  "title": "Card Authorization Challenge Response",
  "examples": [
    {
      "event_type": "card_authorization.challenge_response",
      "event_token": "00000000-0000-0000-0000-000000000001",
      "transaction_token": "00000000-0000-0000-0000-000000000002",
      "card_token": "00000000-0000-0000-0000-000000000003",
      "challenge_method": "SMS",
      "response": "APPROVE",
      "created": "2025-07-17T07:07:29Z",
      "completed": "2025-07-17T07:08:15Z"
    }
  ],
  "properties": {
    "event_type": {
      "description": "Event type",
      "const": "card_authorization.challenge_response",
      "example": "card_authorization.challenge_response",
      "type": "string"
    },
    "event_token": {
      "description": "Globally unique identifier for the event",
      "example": "00000000-0000-0000-0000-000000000001",
      "format": "uuid",
      "type": "string"
    },
    "transaction_token": {
      "description": "The token of the transaction associated with the authorization event being challenged",
      "example": "00000000-0000-0000-0000-000000000002",
      "format": "uuid",
      "type": [
        "string",
        "null"
      ]
    },
    "card_token": {
      "description": "The token of the card associated with the challenge",
      "example": "00000000-0000-0000-0000-000000000003",
      "format": "uuid",
      "type": [
        "string",
        "null"
      ]
    },
    "challenge_method": {
      "description": "The method used to deliver the challenge to the cardholder",
      "enum": [
        "SMS"
      ],
      "example": "SMS",
      "type": "string"
    },
    "response": {
      "description": "The cardholder's response to the challenge",
      "enum": [
        "APPROVE",
        "DECLINE"
      ],
      "example": "APPROVE",
      "type": "string"
    },
    "created": {
      "description": "The timestamp of when the challenge was created",
      "example": "2025-07-17T07:07:29Z",
      "format": "date-time",
      "type": "string"
    },
    "completed": {
      "description": "The timestamp of when the challenge was completed",
      "example": "2025-07-17T07:08:15Z",
      "format": "date-time",
      "type": [
        "string",
        "null"
      ]
    }
  },
  "required": [
    "event_type",
    "event_token",
    "transaction_token",
    "card_token",
    "challenge_method",
    "response",
    "created",
    "completed"
  ],
  "type": "object"
}

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