Lithic · Schema
Cardholder Authentication
FintechCard IssuingPaymentsIssuer ProcessorKYCBanking as a Service
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 |
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$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"
]
}
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