Lithic · Schema

3DS Decision Response object

Information on whether the Authentication should be approved, declined or challenged.

FintechCard IssuingPaymentsIssuer ProcessorKYCBanking as a Service

Properties

Name Type Description
three_ds_authentication_decision string * `APPROVE` - Approve the 3DS Transaction and proceed to Authorization * `DECLINE` - Decline the 3DS Transaction ending the transaction * `CHALLENGE_REQUESTED` - Conditional Approval for the 3DS Trans
oob_url string URL which may be used in the presentation of a 3DS Challenge UI to the cardholder. This value will be used by the ACS as the OOB App URL. When applicable, this URL may be used for automatic app switch
View JSON Schema on GitHub

JSON Schema

lithic-com-three-ds-decisioning-schema.json Raw ↑
{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "#/components/schemas/three-ds-decisioning",
  "title": "3DS Decision Response object",
  "type": "object",
  "description": "Information on whether the Authentication should be approved, declined or challenged.",
  "properties": {
    "three_ds_authentication_decision": {
      "type": "string",
      "description": "* `APPROVE` - Approve the 3DS Transaction and proceed to Authorization\n* `DECLINE` - Decline the 3DS Transaction ending the transaction\n* `CHALLENGE_REQUESTED` - Conditional Approval for the 3DS Transaction where a follow-up Challenge will be triggered to further authenticate the Cardholder",
      "enum": [
        "APPROVE",
        "DECLINE",
        "CHALLENGE_REQUESTED"
      ]
    },
    "oob_url": {
      "type": "string",
      "description": "URL which may be used in the presentation of a 3DS Challenge UI to the cardholder. This value will be used by the ACS as the OOB App URL. When applicable, this URL may be used for automatic app switching or rendered directly as an element in the Challenge UI.\nThis field is only used with CHALLENGE_REQUESTED decision and when customer orchestrates the 3DS challenge on their own."
    }
  },
  "required": [
    "three_ds_authentication_decision"
  ]
}

Work with this as data

Every JSON Schema here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for schemas

4 MCP tools reach this
  • find_json_schemasBrowse and filter every JSON Schema in the catalog.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools

Call it yourself

curl for this page
This JSON Schema
curl "https://apis.io/api/v1/json-schemas/lithic-com-three-ds-decisioning"
All schemas
curl "https://apis.io/api/v1/json-schemas?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

A second provider on the same verified email joins the account you already have.