---
title: "Accept or reject a transaction"
method: POST
path: "/v3/spend/transactions/{acsTransactionId}/3ds-challenge"
tags: ["transactions"]
---

# Accept or reject a transaction

`POST /v3/spend/transactions/{acsTransactionId}/3ds-challenge`

Accept or reject a transaction 3D Secure (3DS) challenge.

When a transaction is created, a 3DS challenge may trigger to verify the identity of the cardholder. Use this endpoint to approve or deny the transaction. The Spend & Expense user must have the `ADMIN` user role to perform this operation.

Subscribe to the `spend.three-ds-challenge.created` event to get a webhook notification when a 3DS challenge is triggered for a transaction. See [Spend & Expense 3DS challenge notification payload](https://developer.bill.com/docs/spend-expense-3ds-challenge-notification-payload) for more information.

See [3-D Secure - BILL Spend & Expense](https://help.bill.com/direct/s/article/5955655) in the BILL Help Center to learn more about 3D Secure at BILL.

## Path parameters

- `acsTransactionId` string, required — BILL-generated ID or UUID of the transaction. You receive this transaction ID in the `spend.three-ds-challenge.created` webhook notification.

## Headers

- `apiToken` string, nullable — Access token for Spend & Expense API authentication

## Request body

- ThreeDsRequestDto — ThreeDsRequestDto represents a request for 3D Secure actions.
  - `action` 'ACCEPT' | 'REJECT', required — 3D Secure action. Set this field as `ACCEPT` or `REJECT`.

## Response `200`

Accept or reject a transaction response

- ThreeDsResponseDto — Response dto for three ds response.
  - `id` string — BILL-generated ID of the 3D Secure response
  - `status` 'SKIPPED' | 'PENDING' | 'SENT' | 'ACCEPTED' | 'REJECTED' | 'CANCELLED' | 'TIMED_OUT' | 'FAILED' | 'UNDEFINED' — 3D Secure challenge status

## Other responses

- `4XX` — List of errors.
- `5XX` — List of errors.

---

[API](https://skmtc.net/bill/apis/bill-v3-api.md) · [All operations](https://skmtc.net/bill/apis/bill-v3-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/bill/bill-v3-api/revisions/0483350c434e/schema)