3DS authentication decision request object

During 3DS authentication, Column sends this request before a challenge is shown. It contains the authentication attempt and available network context. Read more about 3DS authentication decisioning.

Object Parameters

channel

string

The transaction channel supplied by the 3DS network

merchant_challenge_indicator

string

The raw EMV 3DS merchant challenge indicator

message_category

enum

The 3DS message category Possible values: payment, non_payment

network_risk_score

string

The two-character risk score supplied by the 3DS network

three_ds_attempt

object

The 3DS authentication attempt being evaluated

acs_transaction_id

string

The Access Control Server (ACS) transaction identifier

amount

number

The transaction amount in the smallest unit of the currency (e.g., cents for USD)

attempt_count

integer

The number of authentication attempts made

attempt_status

enum

The current status of the 3DS authentication attempt Possible values: rejected, presented, challenged, authenticated, associated

card_account_id

string

The card account associated with this 3DS attempt

card_id

string

The card associated with this 3DS attempt

challenged_at

date-time

Timestamp when the challenge was presented to the cardholder

challenges_presented

array of strings

List of challenge types that were presented to the cardholder

chosen_challenge

enum

The challenge type selected by the cardholder Possible values: frictionless, attempts, otp, biometric, external

completed_at

date-time

Timestamp when the authentication was completed

created_at

date-time

Timestamp when the 3DS attempt was created

currency

string

The ISO 4217 currency code for the transaction

ds_transaction_id

string

The Directory Server (DS) transaction identifier

id

string

Unique identifier for the 3DS attempt

merchant_category_code

string

The Merchant Category Code (MCC)

merchant_country_code

string

The ISO 3166-1 alpha-2 country code of the merchant

merchant_name

string

The name of the merchant

merchant_url

string

The URL of the merchant

outcome_reason

enum

The reason for the authentication outcome Possible values: frictionless, challenged_accepted, attempts, card_account_status, failed_challenge, rule_rejected, error

three_ds_message_version

string

The 3D Secure protocol message version

updated_at

date-time

Timestamp when the 3DS attempt was last updated