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latestOpenAPI 3.0.0Forter License2026-07-1333204516.7 KB
Accounts

Profile access

Send information on an attempt to access or edit a customer profile to receive a fraud decision. Used for account takeover at profile touchpoint, card testing, and digital key use cases. The response may also include recommendations for additional authentication (MFA) and a correlation ID to include with the authentication result.

post/v2/accounts/profile-access/{id}

Path parameters

idstring required

Headers

api-versionstring required
Example:10.1

Specify the version of the API to target.

x-forter-siteidstring required
Example:a1b2c3d4e5f6

Forter-assigned ID for your account. Note that your Site ID for your test site is different from your production site.

Authorizationstring required
Example:Basic <base64-encoded-api-key:>

Basic Authentiation in the form of a username and password. Use the API Key as the username and leave the password empty.

Request body

accessRequestType'VIEW_PERSONAL_PREFERENCES' | 'UPDATE_PASSWORD' | 'UPDATE_PAYMENT' | 'UPDATE_PHONE' | 'UPDATE_EMAIL' | 'UPDATE_ADDRESS' | 'REDEEM_ACCOUNT_ASSETS' | 'SHARE_CREDENTIALS' | 'DIGITAL_KEY_ACCESS' | 'DIGITAL_CHECK_IN' | 'USE_PAYMENT_METHOD' nullable

The type of restricted access the user is asking for

accountIdstring required

Customer's account UID in merchant's site. If the compensation request is from a guest account then this field should be populated with the original order id ending with the suffix '_GUEST'

additionalAccountEventIdentifiersobject nullable

Additional identifiers of the account event

additionalInformationobject nullable

General payload object

channelType'WEB' | 'PHONE' | 'DYNAMIC_PHONE' | 'MOBILE' | 'MOBILE_IN_STORE' | 'IOS' | 'ANDROID' | 'WAP' | 'STORE' | 'MERCHANT_EMPLOYEE' | 'MAIL_ORDER' | 'AUTOMATIC_RENEWAL_OR_INSTALLMENT_PAYMENT' | 'MERCHANT_INITIATED' | 'UNKNOWN' | 'POS' | 'API_ONLY' | 'PERSONAL_POS' | 'PHONE_LINK' | 'AI_AGENT' nullable

The source channel through which the customer requested profile access. Note that some of the enum values are not relevant for this interaction.

eventTimenumber required

The time that the trigger event occurred in MILLISECONDS since unix epoch (Jan 1, 1970)

originalOrderIdstring nullable

Unique order/transaction identifier for which this access request is referring to, if relevant. Note that Forter treats this ID as case-insensitive; Order123 and ORDER123 will be identified as the same order.

passwordUpdateTrigger'MERCHANT_POLICY' | 'USER_FORGOT_PASSWORD' | 'LOGGED_IN_USER' nullable

The trigger that caused the password update. Required only in case the access request is UPDATE_PASSWORD

Example request

{
  "accessRequestType": "UPDATE_PASSWORD",
  "accountId": "e520-ba9a-367-60b",
  "accountOwner": {
    "accountId": "e520-ba9a-367-60b",
    "birthdate": "1987-05-22",
    "created": 1415273168,
    "email": "john_s@test.com",
    "firstName": "John",
    "fullName": "Smith",
    "gender": "MALE",
    "lastName": "Smith",
    "loyaltyProgramsInAccount": [
      {
        "accountNumber": "VC1568OP",
        "loyaltyPointsValue": {
          "amountLocalCurrency": "105.55",
          "amountUSD": "99.95",
          "currency": "CAD"
        },
        "programName": "StarAlliance",
        "tier": "Blue"
      }
    ],
    "socialNetworkData": [
      {
        "networkName": "FACEBOOK",
        "profileId": "10000054564897"
      }
    ]
  },
  "channelType": "WEB",
  "connectionInformation": {
    "checkoutToolsSessionId": "HTGDVC232fdFDFdfkdjk87382938mcndjc2f4gbbGd",
    "customerIP": "10.0.0.127",
    "forterMobileUID": "6429751237891",
    "forterTokenCookie": "249453te8tbf9355186fet0ken547b95_2786972955236__UDE52-n5_8dg",
    "merchantDeviceIdentifier": "HGJ7512345H3",
    "merchantProvidedSessionId": "HTGDVC232fdFDFdfkdjk87382938mcndjc2f4gbbGd",
    "userAgent": "Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/47.0.2526.73 Safari/537.36"
  },
  "eventTime": 1415287568000,
  "existingPaymentMethod": {
    "amount": {
      "amountLocalCurrency": "105.55",
      "amountUSD": "99.95",
      "currency": "CAD"
    },
    "androidPay": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "applePay": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "bankTransfer": {
      "accountHolderFirstName": "John",
      "accountHolderLastName": "Smith",
      "achProcessingType": "SAME_DAY_ACH",
      "bankAccountIdentifier": "TEST63TEST1212121212",
      "bankAccountType": "Savings",
      "bankName": "Citigroup",
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentSuccessStatus": "Payment Successful",
      "serviceName": "Direct Debit"
    },
    "billingDetails": {
      "address": {
        "address1": "235 Montgomery st.",
        "address2": "Ste. 1110",
        "city": "San Francisco",
        "company": "Generic Corp. ltd.",
        "country": "US",
        "region": "CA",
        "savedData": {
          "usedSavedData": true
        },
        "zip": "94104"
      },
      "allAdditionalVerificationDocuments": [
        {
          "address": {
            "address1": "235 Montgomery st.",
            "address2": "Ste. 1110",
            "city": "San Francisco",
            "company": "Generic Corp. ltd.",
            "country": "US",
            "region": "CA",
            "savedData": {
              "usedSavedData": true
            },
            "zip": "94104"
          },
          "documentDateOfBirth": "1991-01-09",
          "documentExpiration": "2017-01-15",
          "documentFirstName": "John",
          "documentIssuingState": "NY",
          "documentLastName": "Smith",
          "documentNumber": "20439190",
          "documentSource": "UPLOADED_FILE",
          "documentStatus": "SENT_TO_CLIENT",
          "documentType": "Passport",
          "documentVerificationServiceAnswer": "APPROVED",
          "documentVerificationServiceName": "IDVerification.com",
          "documentVerified": true,
          "eventTime": 1420070400,
          "nationality": "US"
        }
      ],
      "employmentInformation": [
        {
          "employerAddress": {
            "address1": "235 Montgomery st.",
            "address2": "Ste. 1110",
            "city": "San Francisco",
            "company": "Generic Corp. ltd.",
            "country": "US",
            "region": "CA",
            "savedData": {
              "usedSavedData": true
            },
            "zip": "94104"
          },
          "employerCompanySizeRange": "20",
          "employerIndustry": "Retail",
          "employerName": "Forter",
          "employerPhone": "+12126667777",
          "income": {
            "amountLocalCurrency": "105.55",
            "amountUSD": "99.95",
            "currency": "CAD"
          },
          "jobTitle": "Fraud Analyst"
        }
      ],
      "personalDetails": {
        "birthdate": "1987-05-22",
        "email": "john_s@test.com",
        "firstName": "John",
        "fullName": "John Smith",
        "gender": "MALE",
        "lastName": "Smith"
      },
      "phone": [
        {
          "phone": "15557654321",
          "smsVerified": {
            "sent": true,
            "timeSent": 1389567341
          }
        }
      ]
    },
    "cameraCaptured": true,
    "creditCard": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "expirationMonth": "03",
      "expirationYear": "2018",
      "fingerprint": "Xt5EWLLDS7FJjR1c",
      "fullCreditCard": "2424242424242424",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "creditLineDetails": {
      "creditLineLimitIncreaseMethod": "AT_PURCHASE",
      "currentCreditLineLimit": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      },
      "originalCreditLineLimit": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      }
    },
    "cryptoWallet": {
      "cryptoWalletName": "CryptoWallet",
      "cryptoWalletPaymentId": "3JQiwG88SQvwihDAHg9M2EnqEisharz49c",
      "cryptoWalletType": "EXTERNAL"
    },
    "digitalWallet": {
      "digitalWalletName": "ALIPAY",
      "digitalWalletPayerEmail": "john_s@test.com",
      "digitalWalletPayerId": "FD000A45P",
      "digitalWalletpaymentId": "PAY-0MB00000KR8073311KZSDEYA",
      "freeTextDigitalWalletName": "ALIBABA",
      "payerAccountCountry": "US",
      "paymentSuccessStatus": "COMPLETED",
      "underlyingPaymentMethod": {
        "bankTransfer": {
          "accountHolderFirstName": "John",
          "accountHolderLastName": "Smith",
          "achProcessingType": "SAME_DAY_ACH",
          "bankAccountIdentifier": "TEST63TEST1212121212",
          "bankAccountType": "Savings",
          "bankName": "Citigroup",
          "paymentGatewayData": {
            "gatewayName": "Braintree",
            "gatewayTransactionId": "fjdsS46sdklFd20"
          },
          "paymentSuccessStatus": "Payment Successful",
          "serviceName": "Direct Debit"
        },
        "creditCard": {
          "bin": "42424242",
          "cardBank": "Chase",
          "cardBrand": "VISA",
          "cardType": "CREDIT",
          "countryOfIssuance": "US",
          "creationTime": 1430997968,
          "expirationMonth": "03",
          "expirationYear": "2018",
          "lastFourDigits": "4242",
          "nameOnCard": "John R. H. Smith",
          "paymentProcessorData": {
            "processorName": "Chase Paymentech",
            "processorTransactionId": "fjdsS46sdklFd20"
          },
          "threeDSecure": {
            "acquirerData": {
              "acquirerBIN": "457173",
              "acquirerCountry": "US",
              "acquirerMerchantId": "5245020244654",
              "acquirerMerchantName": "Simple T-shirt",
              "acquirerName": "Barclays",
              "merchantCategoryCode": 5655,
              "merchantCountryCode": 840
            },
            "challengeIndicator": "NO_PREFERENCE",
            "execute3ds": "DYNAMIC_FORTER_DECISION",
            "forcePsd2Exemption": {
              "channel": "THREEDS_RAILS",
              "type": "LOW_VALUE"
            },
            "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
          },
          "token": "tkn-77620C360132856A103477D2959967AB",
          "verificationResults": {
            "authorizationCode": "A33244",
            "authorizationProcessedWith3DS": true,
            "avsFullResult": "Y",
            "avsNameResult": "M",
            "avsStreetResult": "N",
            "avsZipResult": "M",
            "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
            "cvvResult": "M",
            "eciValue": "05",
            "exemptionStatus": "accepted",
            "issuerResponseCode": "D23",
            "issuerResponseText": "Stolen card",
            "liabilityShift": true,
            "partyExecuted3DS": "PSP",
            "processorResponseCode": "D23",
            "processorResponseText": "Stolen card",
            "threeDsInteractionMode": "FRICTIONLESS",
            "threeDsStatus": "Cardholder authenticated",
            "threeDsVersion": "2.1.0"
          }
        },
        "underlyingPaymentMethodType": "UNKNOWN"
      }
    },
    "giftCard": {
      "activationTime": 1448549922,
      "creditCurrency": "CAD",
      "creditOrigin": "CS Compensation",
      "merchantPaymentId": "eab12-ba9a-367-60b",
      "value": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      }
    },
    "installmentService": {
      "firstName": "John",
      "lastName": "Smith",
      "paymentId": "YTZ8IATEGAWRRVVG",
      "serviceName": "Affirm",
      "serviceResponseCode": "200"
    },
    "loyaltyPoints": {
      "loyaltyPointsCount": 1506,
      "loyaltyPointsSource": "IN_ACCOUNT_PURCHASES",
      "loyaltyPointsValue": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      },
      "merchantPaymentId": "eab12-ba9a-367-60b"
    },
    "merchantInitiated": {
      "initialOrderId": "2356fdse0rr489"
    },
    "mobileMoney": {
      "mobileMoneyNetwork": "MPESA",
      "paymentAcquirerData": {
        "acquirerBIN": "457173",
        "acquirerCountry": "US",
        "acquirerMerchantId": "5245020244654",
        "acquirerMerchantName": "Simple T-shirt",
        "acquirerName": "Barclays",
        "merchantCategoryCode": 5655,
        "merchantCountryCode": 840
      },
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentSuccessStatus": "success",
      "phoneNumber": "15557654321"
    },
    "numberOfInstallments": 12,
    "paymentMethodNickname": "My Work Card",
    "paypal": {
      "authorizationId": "2WC75407LV7300439",
      "payerAccountCountry": "US",
      "payerAddressStatus": "CONFIRMED",
      "payerEmail": "john_s@test.com",
      "payerId": "FD000A45P",
      "payerStatus": "VERIFIED",
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentId": "PAY-0MB00000KR8073311KZSDEYA",
      "paymentStatus": "COMPLETED",
      "protectionEligibility": "ELIGIBLE"
    },
    "recurringPayment": {
      "currentPaymentNumber": 1,
      "initialPaymentOrderId": "2356fdse0rr483",
      "recurringPaymentExpirationDate": "1988-06-22",
      "recurringPaymentFrequency": "7",
      "totalNumberOfPayments": 12
    },
    "samsungPay": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "savedData": {
      "usedSavedData": true
    },
    "storeCreditUsed": {
      "activationTime": 1448549922,
      "creditCurrency": "CAD",
      "creditOrigin": "CS Compensation",
      "merchantPaymentId": "eab12-ba9a-367-60b",
      "value": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      }
    },
    "tokenizedCard": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "venmo": {
      "paymentId": "1KZSDEYA",
      "token": "77620C360132856A103477D2959967AB",
      "userId": "johndoe",
      "userName": "johndoe1987"
    }
  },
  "merchantIdentifiers": {
    "merchantDomain": "HandbagsExpressDiscounts.com",
    "merchantName": "Handbags Express Discounts"
  },
  "newAddress": {
    "address1": "235 Montgomery st.",
    "address2": "Ste. 1110",
    "city": "San Francisco",
    "company": "Generic Corp. ltd.",
    "country": "US",
    "region": "CA",
    "savedData": {
      "usedSavedData": true
    },
    "zip": "94104"
  },
  "newEmail": {
    "email": "john_s@test.com",
    "emailVerification": {
      "sent": true,
      "timeSent": 1389567341
    }
  },
  "newPaymentMethods": {
    "amount": {
      "amountLocalCurrency": "105.55",
      "amountUSD": "99.95",
      "currency": "CAD"
    },
    "androidPay": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "applePay": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "bankTransfer": {
      "accountHolderFirstName": "John",
      "accountHolderLastName": "Smith",
      "achProcessingType": "SAME_DAY_ACH",
      "bankAccountIdentifier": "TEST63TEST1212121212",
      "bankAccountType": "Savings",
      "bankName": "Citigroup",
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentSuccessStatus": "Payment Successful",
      "serviceName": "Direct Debit"
    },
    "billingDetails": {
      "address": {
        "address1": "235 Montgomery st.",
        "address2": "Ste. 1110",
        "city": "San Francisco",
        "company": "Generic Corp. ltd.",
        "country": "US",
        "region": "CA",
        "savedData": {
          "usedSavedData": true
        },
        "zip": "94104"
      },
      "allAdditionalVerificationDocuments": [
        {
          "address": {
            "address1": "235 Montgomery st.",
            "address2": "Ste. 1110",
            "city": "San Francisco",
            "company": "Generic Corp. ltd.",
            "country": "US",
            "region": "CA",
            "savedData": {
              "usedSavedData": true
            },
            "zip": "94104"
          },
          "documentDateOfBirth": "1991-01-09",
          "documentExpiration": "2017-01-15",
          "documentFirstName": "John",
          "documentIssuingState": "NY",
          "documentLastName": "Smith",
          "documentNumber": "20439190",
          "documentSource": "UPLOADED_FILE",
          "documentStatus": "SENT_TO_CLIENT",
          "documentType": "Passport",
          "documentVerificationServiceAnswer": "APPROVED",
          "documentVerificationServiceName": "IDVerification.com",
          "documentVerified": true,
          "eventTime": 1420070400,
          "nationality": "US"
        }
      ],
      "employmentInformation": [
        {
          "employerAddress": {
            "address1": "235 Montgomery st.",
            "address2": "Ste. 1110",
            "city": "San Francisco",
            "company": "Generic Corp. ltd.",
            "country": "US",
            "region": "CA",
            "savedData": {
              "usedSavedData": true
            },
            "zip": "94104"
          },
          "employerCompanySizeRange": "20",
          "employerIndustry": "Retail",
          "employerName": "Forter",
          "employerPhone": "+12126667777",
          "income": {
            "amountLocalCurrency": "105.55",
            "amountUSD": "99.95",
            "currency": "CAD"
          },
          "jobTitle": "Fraud Analyst"
        }
      ],
      "personalDetails": {
        "birthdate": "1987-05-22",
        "email": "john_s@test.com",
        "firstName": "John",
        "fullName": "John Smith",
        "gender": "MALE",
        "lastName": "Smith"
      },
      "phone": [
        {
          "phone": "15557654321",
          "smsVerified": {
            "sent": true,
            "timeSent": 1389567341
          }
        }
      ]
    },
    "cameraCaptured": true,
    "creditCard": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "expirationMonth": "03",
      "expirationYear": "2018",
      "fingerprint": "Xt5EWLLDS7FJjR1c",
      "fullCreditCard": "2424242424242424",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "creditLineDetails": {
      "creditLineLimitIncreaseMethod": "AT_PURCHASE",
      "currentCreditLineLimit": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      },
      "originalCreditLineLimit": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      }
    },
    "cryptoWallet": {
      "cryptoWalletName": "CryptoWallet",
      "cryptoWalletPaymentId": "3JQiwG88SQvwihDAHg9M2EnqEisharz49c",
      "cryptoWalletType": "EXTERNAL"
    },
    "digitalWallet": {
      "digitalWalletName": "ALIPAY",
      "digitalWalletPayerEmail": "john_s@test.com",
      "digitalWalletPayerId": "FD000A45P",
      "digitalWalletpaymentId": "PAY-0MB00000KR8073311KZSDEYA",
      "freeTextDigitalWalletName": "ALIBABA",
      "payerAccountCountry": "US",
      "paymentSuccessStatus": "COMPLETED",
      "underlyingPaymentMethod": {
        "bankTransfer": {
          "accountHolderFirstName": "John",
          "accountHolderLastName": "Smith",
          "achProcessingType": "SAME_DAY_ACH",
          "bankAccountIdentifier": "TEST63TEST1212121212",
          "bankAccountType": "Savings",
          "bankName": "Citigroup",
          "paymentGatewayData": {
            "gatewayName": "Braintree",
            "gatewayTransactionId": "fjdsS46sdklFd20"
          },
          "paymentSuccessStatus": "Payment Successful",
          "serviceName": "Direct Debit"
        },
        "creditCard": {
          "bin": "42424242",
          "cardBank": "Chase",
          "cardBrand": "VISA",
          "cardType": "CREDIT",
          "countryOfIssuance": "US",
          "creationTime": 1430997968,
          "expirationMonth": "03",
          "expirationYear": "2018",
          "lastFourDigits": "4242",
          "nameOnCard": "John R. H. Smith",
          "paymentProcessorData": {
            "processorName": "Chase Paymentech",
            "processorTransactionId": "fjdsS46sdklFd20"
          },
          "threeDSecure": {
            "acquirerData": {
              "acquirerBIN": "457173",
              "acquirerCountry": "US",
              "acquirerMerchantId": "5245020244654",
              "acquirerMerchantName": "Simple T-shirt",
              "acquirerName": "Barclays",
              "merchantCategoryCode": 5655,
              "merchantCountryCode": 840
            },
            "challengeIndicator": "NO_PREFERENCE",
            "execute3ds": "DYNAMIC_FORTER_DECISION",
            "forcePsd2Exemption": {
              "channel": "THREEDS_RAILS",
              "type": "LOW_VALUE"
            },
            "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
          },
          "token": "tkn-77620C360132856A103477D2959967AB",
          "verificationResults": {
            "authorizationCode": "A33244",
            "authorizationProcessedWith3DS": true,
            "avsFullResult": "Y",
            "avsNameResult": "M",
            "avsStreetResult": "N",
            "avsZipResult": "M",
            "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
            "cvvResult": "M",
            "eciValue": "05",
            "exemptionStatus": "accepted",
            "issuerResponseCode": "D23",
            "issuerResponseText": "Stolen card",
            "liabilityShift": true,
            "partyExecuted3DS": "PSP",
            "processorResponseCode": "D23",
            "processorResponseText": "Stolen card",
            "threeDsInteractionMode": "FRICTIONLESS",
            "threeDsStatus": "Cardholder authenticated",
            "threeDsVersion": "2.1.0"
          }
        },
        "underlyingPaymentMethodType": "UNKNOWN"
      }
    },
    "giftCard": {
      "activationTime": 1448549922,
      "creditCurrency": "CAD",
      "creditOrigin": "CS Compensation",
      "merchantPaymentId": "eab12-ba9a-367-60b",
      "value": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      }
    },
    "installmentService": {
      "firstName": "John",
      "lastName": "Smith",
      "paymentId": "YTZ8IATEGAWRRVVG",
      "serviceName": "Affirm",
      "serviceResponseCode": "200"
    },
    "loyaltyPoints": {
      "loyaltyPointsCount": 1506,
      "loyaltyPointsSource": "IN_ACCOUNT_PURCHASES",
      "loyaltyPointsValue": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      },
      "merchantPaymentId": "eab12-ba9a-367-60b"
    },
    "merchantInitiated": {
      "initialOrderId": "2356fdse0rr489"
    },
    "mobileMoney": {
      "mobileMoneyNetwork": "MPESA",
      "paymentAcquirerData": {
        "acquirerBIN": "457173",
        "acquirerCountry": "US",
        "acquirerMerchantId": "5245020244654",
        "acquirerMerchantName": "Simple T-shirt",
        "acquirerName": "Barclays",
        "merchantCategoryCode": 5655,
        "merchantCountryCode": 840
      },
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentSuccessStatus": "success",
      "phoneNumber": "15557654321"
    },
    "numberOfInstallments": 12,
    "paymentMethodNickname": "My Work Card",
    "paypal": {
      "authorizationId": "2WC75407LV7300439",
      "payerAccountCountry": "US",
      "payerAddressStatus": "CONFIRMED",
      "payerEmail": "john_s@test.com",
      "payerId": "FD000A45P",
      "payerStatus": "VERIFIED",
      "paymentGatewayData": {
        "gatewayName": "Braintree",
        "gatewayTransactionId": "fjdsS46sdklFd20"
      },
      "paymentId": "PAY-0MB00000KR8073311KZSDEYA",
      "paymentStatus": "COMPLETED",
      "protectionEligibility": "ELIGIBLE"
    },
    "recurringPayment": {
      "currentPaymentNumber": 1,
      "initialPaymentOrderId": "2356fdse0rr483",
      "recurringPaymentExpirationDate": "1988-06-22",
      "recurringPaymentFrequency": "7",
      "totalNumberOfPayments": 12
    },
    "samsungPay": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "savedData": {
      "usedSavedData": true
    },
    "storeCreditUsed": {
      "activationTime": 1448549922,
      "creditCurrency": "CAD",
      "creditOrigin": "CS Compensation",
      "merchantPaymentId": "eab12-ba9a-367-60b",
      "value": {
        "amountLocalCurrency": "105.55",
        "amountUSD": "99.95",
        "currency": "CAD"
      }
    },
    "tokenizedCard": {
      "bin": "42424242",
      "cardBank": "Chase",
      "cardBrand": "VISA",
      "cardType": "CREDIT",
      "countryOfIssuance": "US",
      "creationTime": 1430997968,
      "expirationMonth": "03",
      "expirationYear": "2018",
      "lastFourDigits": "4242",
      "nameOnCard": "John R. H. Smith",
      "paymentProcessorData": {
        "processorName": "Chase Paymentech",
        "processorTransactionId": "fjdsS46sdklFd20"
      },
      "threeDSecure": {
        "acquirerData": {
          "acquirerBIN": "457173",
          "acquirerCountry": "US",
          "acquirerMerchantId": "5245020244654",
          "acquirerMerchantName": "Simple T-shirt",
          "acquirerName": "Barclays",
          "merchantCategoryCode": 5655,
          "merchantCountryCode": 840
        },
        "challengeIndicator": "NO_PREFERENCE",
        "execute3ds": "DYNAMIC_FORTER_DECISION",
        "forcePsd2Exemption": {
          "channel": "THREEDS_RAILS",
          "type": "LOW_VALUE"
        },
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45"
      },
      "token": "tkn-77620C360132856A103477D2959967AB",
      "verificationResults": {
        "authorizationCode": "A33244",
        "authorizationProcessedWith3DS": true,
        "avsFullResult": "Y",
        "avsNameResult": "M",
        "avsStreetResult": "N",
        "avsZipResult": "M",
        "cavvResult": "VYboNwcsB3F9gTIsbaUjvEuLW0o=",
        "cvvResult": "M",
        "eciValue": "05",
        "exemptionStatus": "accepted",
        "issuerResponseCode": "D23",
        "issuerResponseText": "Stolen card",
        "liabilityShift": true,
        "partyExecuted3DS": "PSP",
        "processorResponseCode": "D23",
        "processorResponseText": "Stolen card",
        "threeDsInteractionMode": "FRICTIONLESS",
        "threeDsStatus": "Cardholder authenticated",
        "threeDsVersion": "2.1.0"
      }
    },
    "venmo": {
      "paymentId": "1KZSDEYA",
      "token": "77620C360132856A103477D2959967AB",
      "userId": "johndoe",
      "userName": "johndoe1987"
    }
  },
  "newPhone": {
    "phone": "15557654321",
    "smsVerified": {
      "sent": true,
      "timeSent": 1389567341
    }
  },
  "originalOrderId": "2356fdse0rr489",
  "passwordUpdateTrigger": "USER_FORGOT_PASSWORD"
}

Response

Example adaptiveAuthAccountsResponse

accountIdstring required

When applicable, the customer's account UID in merchant's site

correlationIdstring required

A forter unique identifier that should be sent to Forter as part of the AdvancedAuthenticationMethod object to correlate the MFA recommendation given in this response with the relevant additional authentication attempt result

decisionReasonstring required

The main reason behind the Forter decision

forterDecision'APPROVE' | 'DECLINE' | 'VERIFICATION_REQUIRED' | 'NOT_REVIEWED' required

The latest Forter decision regarding the attempted action

merchantPolicyIdstring required

UID of the custom policy created in Forter's Policies tool that resulted in this decision

recommendationstring required

A specific recommendation for an action that might help the customer to complete their transaction/action (e.g. verify phone via SMS, verify via push notification, verify email, perform a 3DS check, etc.)

Example response

{
  "accountId": "e520-ba9a-367-60b",
  "correlationId": "HGJ7512345H3DE",
  "forterDecision": "APPROVE",
  "merchantPolicyId": "0ee8ba28a8654c659addbae9253b707c",
  "verificationMethod": {
    "correlationId": "HGJ7512345H3DE",
    "status": "FRICTIONLESS",
    "statusCode": "100",
    "statusMessage": "Verification code sent",
    "type": "THREE_DS",
    "verificationId": "345H3DEHGJ7512",
    "verificationSpecificData": {
      "ThreeDS": {
        "ACSUrl": "https:/ /acs-us-east-1.nd.nds-sandbox-issuer.com/api/v1/acs/browser_sdk_challenges",
        "ECIValue": "02",
        "acsChallengeMandated": "Y",
        "acsReferenceNumber": "ftr-internal-acs-approval",
        "acsTransID": "6fd30e89-8171-4cc3-b86e-3d59582af2f6",
        "authenticationType": "01",
        "authenticationValue": "tSvPDt3PINNaoL+ERXdg0jVrmWc=",
        "bankLiabilityShift": true,
        "cardEnrolled": "Y",
        "cavvAlgorithm": "3",
        "challengeCancel": "01",
        "challengeStatus": "Y",
        "dsTransID": "38bbf46f-c023-4f4c-ae2c-35fb301632a5",
        "encodedChallengeRequest": "eyJhY3NUcmFuc0lEIjoiMTEyY2RiNWItMGFlYy00MTY5LThjMWYtYWMyN2JlNjAxMjhhIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA0IiwibWVzc2FnZVZlcnNpb24iOiIyLjEuMCIsIm1lc3NhZ2VUeXBlIjoiQ1JlcSIsInRocmVlRFNTZXJ2ZXJUcmFuc0lEIjoiZWRhM2MwMzYtZWMyYS00NmZkLTlmYWItNzBlZTgyYjJjNzQ5In0=",
        "exemption": "TRANSACTION_RISK_ANALYSIS",
        "interactionCounter": "01",
        "messageCategory": "01",
        "outOfScopeForPSD2": "ANONYMOUS_PREPAID_CARD",
        "threeDSServerTransID": "26d648a9-da8a-4f8b-a76d-094801d2fd45",
        "threeDSecureMode": "sca",
        "threeDSecurePreference": "nopref",
        "threeDSecureResult": "590040",
        "transStatus": "Y",
        "transStatusReason": "01",
        "verifyStatus": "Y",
        "version": "2.1.0"
      },
      "email": {
        "email": "john_s@test.com",
        "emailVerification": {
          "sent": true,
          "timeSent": 1389567341
        }
      },
      "phone": {
        "phone": "15557654321",
        "smsVerified": {
          "sent": true,
          "timeSent": 1389567341
        }
      }
    }
  }
}