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added

May 5, 2025

10 days ago by Matt Ruhland

New cardholder_amount value available for 3DS Authentications
Release date: May 6th, 2025
Impact: New field added to 3DS authentications providing purchase amount in cardholder's currency
Audience: All customers using Lithic 3DS products
Action required: None, this change is additive only
Products affected: 3DS

Overview

We are introducing a new field to our 3DS Authentication object that provides the approximate amount of a purchase in the cardholder's currency. This enhancement makes it easier to make authentication decisions based on the transaction amount without needing to perform currency conversion calculations.

Details

The new cardholder_amount field is derived from the transaction's amount using a daily conversion rate. This provides a normalized value that allows for easier authentication decisioning on transaction amounts, regardless of the merchant's currency for the authentication. The currency for cardholder_amount is the static cardholder billing currency for your program, for example USD for most programs that bill their cardholders in USD.

This new value will be included wherever the 3DS authentication object is available, for example when retrieving 3DS authentication details from GET 3DS Authentication, receiving 3DS authentication details from 3DS webhooks, or when processing 3DS challenge requests.

Examples

Previously, the Authentication response only included the amount in the merchant's currency:

{  
  "amount": 1000,  
  "currency": "EUR",  
  "currency_exponent": 2  
  // other fields...  
}

With this update, the Authentication response now includes the cardholder's currency amount:

{  
  "amount": 1000,    
  "currency": "EUR",  
  "currency_exponent": 2,
  "cardholder_amount": 1132  
  // other fields...  
}

Release Timeline

  • Production availability: May 6th, 2025

User Impact

This change is additive only, backwards compatible, and doesn't require any modifications to existing integrations.

Updated Documentation

For detailed endpoint specifications and usage examples, visit our API Reference.

If you have any questions or concerns, please contact us via the HELP link in your Lithic Dashboard.

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