---
title: Webhook events: Cards
slug: apis/cards/webhook-events-cards
description: Receive real-time notifications for card-related events via webhooks, including authorizations, settlements, and reversals.
docTags: 
createdAt: 2024-08-13T12:28:26.837Z
---

## Common events

When you work with Cross River accounts, cards and payments, you register for specific [webhooks](docId\:BN5XtgkJogBe-CtwomCbS) which have a specific [format](docId\:OIUK28uoUrZIbRmT8i7RS).

This table presents `cards` webhook events that are described in detail below.

| Event Name                                                                   | Description                                                                       | Related Endpoint                                                                                                                                                                                  |
| ---------------------------------------------------------------------------- | --------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [Cards.Card.Ordered](docId\:paDKAtuyIo5w0YsAexxwl)                           | Card has been ordered                                                             |                                                                                                                                                                                                   |
| [Cards.Card.Created](docId\:paDKAtuyIo5w0YsAexxwl)                           | Card created                                                                      | [Create new card](docId\:EJCciNVxb0oMKjA567gUM)                                                                                                                                                   |
| [Cards.Card.Activated](docId\:paDKAtuyIo5w0YsAexxwl)                         | Card has been activated                                                           | [Activate card by ID](docId\:E_U42earZiwDZOiIXuunI)                                                                                                                                               |
| [Cards.Card.Status.Changed](docId\:paDKAtuyIo5w0YsAexxwl)                    | Card state has changed                                                            |                                                                                                                                                                                                   |
| [Cards.Card.Pin.Set](docId\:paDKAtuyIo5w0YsAexxwl)                           | Set PIN for card                                                                  | [Set PIN](docId\:yFZLDNDP2NxSd7hQ2tIKu)                                                                                                                                                           |
| [Cards.Card.Suspended](docId\:paDKAtuyIo5w0YsAexxwl)                         | Card use temporarily suspended                                                    | [Suspend card](docId\:K4JUvw-0ny1dOxTSOVNFx)                                                                                                                                                      |
| [Cards.Card.Suspended](docId\:paDKAtuyIo5w0YsAexxwl)                         | Card suspended by admin                                                           | [Admin block](docId\:eRw0IIaPwTMvyz_stwvLJ)                                                                                                                                                       |
| [Cards.Card.Unsuspended](docId\:paDKAtuyIo5w0YsAexxwl)                       | Suspension removed from card                                                      | [Unsuspend card](docId\:m4ISy77gMgYBkgwRXliaX)                                                                                                                                                    |
| [Cards.Card.Profile.Changed](docId\:paDKAtuyIo5w0YsAexxwl)                   | Card profile has been updated                                                     | [Change card profile](docId\:P_TiF6EjyBAGbP4VsIEg6)                                                                                                                                               |
| [Cards.Card Replaced](docId\:paDKAtuyIo5w0YsAexxwl)                          | Card replaced                                                                     | [Replace card by ID](docId\:AxI2pLSUCMHXDN8-vhCoH)                                                                                                                                                |
| [Cards.Card.Closed](docId\:paDKAtuyIo5w0YsAexxwl)                            | Card closed                                                                       | [Close card](docId:9tDjvhU9S37a-7Cqj3VEJ)                                                                                                                                                         |
| [Cards.Transaction.Authorized](docId\:paDKAtuyIo5w0YsAexxwl)                 | Card transaction approved                                                         |                                                                                                                                                                                                   |
| [Cards.Transaction.Cleared](docId\:paDKAtuyIo5w0YsAexxwl)                    | Card transaction successfully completed                                           |                                                                                                                                                                                                   |
| [Cards.Transaction.Declined](docId\:paDKAtuyIo5w0YsAexxwl)                   | Card transaction not approved                                                     |                                                                                                                                                                                                   |
| [Cards.Transaction.Reversed](docId\:paDKAtuyIo5w0YsAexxwl)                   | Payment credited to the originating account                                       |                                                                                                                                                                                                   |
| [Cards.Token.ProvisioningReceived](docId\:paDKAtuyIo5w0YsAexxwl)<br />       | Wallet provisioning request initiated when user adds card to Apple Pay/Google Pay | [Retrieve wallet tokens](docId\:XkoW0XYhCILYqvZGbtuRS)<br />[Retrieve specific wallet token](docId\:m4QVkVrG6emlcJBmOtz-7)<br />[Update token status](docId\:oSHmkZDitQJD88th2HSXe) <br /><br />  |
| [Cards.Token.ActivationReceived](docId\:paDKAtuyIo5w0YsAexxwl)               | Token activation requested. After provisioning approval.                          | [Retrieve wallet tokens](docId\:XkoW0XYhCILYqvZGbtuRS)<br />[Retrieve specific wallet token](docId\:m4QVkVrG6emlcJBmOtz-7)<br />[Update token status](docId\:oSHmkZDitQJD88th2HSXe)  <br /><br /> |
| [Cards. Token. CompletionReceived](docId\:paDKAtuyIo5w0YsAexxwl)             | Tokenization process completed. Token successfully activated.                     | [Retrieve wallet tokens](docId\:XkoW0XYhCILYqvZGbtuRS)<br />[Retrieve specific wallet token](docId\:m4QVkVrG6emlcJBmOtz-7)<br />[Update token status](docId\:oSHmkZDitQJD88th2HSXe)               |
| [Cards.3ds.OtpTransactionReceived](docId\:paDKAtuyIo5w0YsAexxwl)             | Sent when <br />OTP-based authentication is initiated                             | [3DS authentication details](docId\:Su5NVsUfruWN28v1O7gM8) <br />[Simulate authentication](docId\:VDmgALvyG_2Gld_bUaJXf)                                                                          |
| [Cards.3ds.OutOfBandTransactionReceived](docId\:paDKAtuyIo5w0YsAexxwl)<br /> | Sent when out-of-band authentication is initiated (requires validation)           | [3DS authentication details](docId\:Su5NVsUfruWN28v1O7gM8) <br />[Simulate authentication](docId\:VDmgALvyG_2Gld_bUaJXf) <br />[Validate OUTOFBANDOTHER](docId:0-MnW4CrKX4T_GPrujleW)             |

## Card Issuing

### Order a card

:::CodeblockTabs
Sample Event

```curl
{
    "id": "1a175de4-5e0a-47af-8e56-b2f200d6cf7a",
    "eventName": "Cards.Card.Ordered",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:02:06.05+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Unactivated",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}
```
:::

### Create a card

:::CodeblockTabs
Sample Event

```curl
{
    "id": "b757dedd-1156-4e7e-9178-b2f200d6cf7b",
    "eventName": "Cards.Card.Created",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:02:06.067+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Unactivated",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}
```
:::

### Activate a card

:::CodeblockTabs
Sample Event

```curl
{
    "id": "ab1e566b-de09-4004-ba19-b2f200d78196",
    "eventName": "Cards.Card.Activated",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:04:38.043+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Unactivated",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "False"
        }
    ]
}
```
:::

### Card status has changed

:::CodeblockTabs
Sample Event

```curl
{
  "id": "07d815aa-696d-4643-8ab9-b2f200d78195",
  "eventName": "Cards.Card.Status.Changed",
  "status": "Pending",
  "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
  "createdAt": "2025-06-04T09:04:38.043+00:00",
  "resources": [
    "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
  ],
  "details": [
    {
      "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
      "status": "Active",
      "statusReasonCode": "NotSet",
      "fraudSuspect": "False",
      "adminBlocked": "False",
      "previousStatus": "Unactivated",
      "previousStatusReasonCode": "NotSet",
      "previousFraudSuspect": "False",
      "previousAdminBlocked": "False"
    }
  ]
}
```
:::

### Set a card PIN

:::CodeblockTabs
Sample Event

```curl
{
    "id": "60207330-ac6d-408d-a71f-b2f200d80d2b",
    "eventName": "Cards.Card.Pin.Set",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:06:37.157+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}
```
:::

### Card has been suspended

:::CodeblockTabs
Sample Event

```curl
{
    "id": "11c8368c-6b2f-42a5-9bb4-b2f200d89d3d",
    "eventName": "Cards.Card.Suspended",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:08:40.093+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Suspended",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Active",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "False"
        }
    ]
}
```
:::

### Card has been unsuspended

:::CodeblockTabs
Sample Event

```curl
{
    "id": "53979cb2-a5fc-431a-b068-b2f200d92ba9",
    "eventName": "Cards.Card.Unsuspended",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:10:41.623+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Suspended",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "False"
        }
    ]
}
```
:::

### Change card profile

:::CodeblockTabs
Sample Event

```curl
{
    "id": "9d6bc42e-aa79-4bc7-8d74-b2f200d9ff46",
    "eventName": "Cards.Card.Profile.Changed",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:13:42.203+00:00",
    "resources": [
        "cardmanagement/v1/cards/e29b514d-a71d-494d-86da-b2f200d6be43"
    ],
    "details": [
        {
            "cardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Active",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False"
        }
    ]
}
```
:::

### Card replaced

:::CodeblockTabs
Sample Event

```curl
{
    "id": "5fcae666-d3f3-45c3-b67c-b2f200da6c3e",
    "eventName": "Cards.Card.Replaced",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:15:15.19+00:00",
    "resources": [
        "cardmanagement/v1/cards/7484bc54-47d4-441c-a409-b2f200da5aff"
    ],
    "details": [
        {
            "cardId": "7484bc54-47d4-441c-a409-b2f200da5aff",
            "previousCardId": "e29b514d-a71d-494d-86da-b2f200d6be43",
            "status": "Unactivated",
            "statusReasonCode": "NotSet"
        }
    ]
}
```
:::

### Card suspended by admin

:::CodeblockTabs
Sample Event

```curl
{
  "id": "7054e36b-2c8f-401b-8853-b2f200db1c1f",
  "eventName": "Cards.Card.Suspended",
  "status": "Pending",
  "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
  "createdAt": "2025-06-04T09:17:45.277+00:00",
  "resources": [
    "cardmanagement/v1/cards/7484bc54-47d4-441c-a409-b2f200da5aff"
  ],
  "details": [
    {
      "cardId": "7484bc54-47d4-441c-a409-b2f200da5aff",
      "status": "Suspended",
      "statusReasonCode": "NotSet",
      "fraudSuspect": "False",
      "adminBlocked": "True",
      "previousStatus": "Active",
      "previousStatusReasonCode": "NotSet",
      "previousFraudSuspect": "False",
      "previousAdminBlocked": "False"
    }
  ]

```
:::

### Card closed

:::CodeblockTabs
Sample Event

```curl
{
    "id": "ba915833-4fe3-4e41-84c3-b2f200db64be",
    "eventName": "Cards.Card.Closed",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-04T09:18:47.247+00:00",
    "resources": [
        "cardmanagement/v1/cards/7484bc54-47d4-441c-a409-b2f200da5aff"
    ],
    "details": [
        {
            "cardId": "7484bc54-47d4-441c-a409-b2f200da5aff",
            "status": "Closed",
            "statusReasonCode": "NotSet",
            "fraudSuspect": "False",
            "adminBlocked": "False",
            "previousStatus": "Suspended",
            "previousStatusReasonCode": "NotSet",
            "previousFraudSuspect": "False",
            "previousAdminBlocked": "True"
        }
    ]
}
```
:::

## Card Transactions

### Cards.Transaction.Authorized

:::CodeblockTabs
Sample Event

```curl
{
    "id": "af816e87-15c4-4bd3-a7cd-b2f3012e950f",
    "eventName": "Cards.Transaction.Authorized",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:21:40.103+00:00",
    "resources": [
        "cardmanagement/v1/transactions/49e8a49f-6750-49dd-aaff-b2f3012e72d9"
    ],
    "details": [
        {
            "transactionId": "49e8a49f-6750-49dd-aaff-b2f3012e72d9",
            "outboundResponseCode": "00",
            "accountNumber": "2434801953",
            "memoPostId": "fcea0e4d-ff12-415d-9b1b-b2f3012e72ef",
            "coreTransactionId": null,
            "description": "015963889974 StreamFlix               Anywhere     NYUSA BillPayment on 2434801953",
            "processingCode": "BillPayment",
            "amount": "1999",
            "processor": "i2c",
            "messageType": "0100"
        }
    ]
}
```
:::

### Cards.Transaction.Cleared

:::CodeblockTabs
Sample Event

```curl
{
    "id": "c3dd1a56-f1e4-48ed-8dcf-b2f3012f21c5",
    "eventName": "Cards.Transaction.Cleared",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:23:40.163+00:00",
    "resources": [
        "cardmanagement/v1/transactions/ae6cf986-2cbf-4754-bc5e-b2f3012f050b"
    ],
    "details": [
        {
            "transactionId": "ae6cf986-2cbf-4754-bc5e-b2f3012f050b",
            "outboundResponseCode": "00",
            "accountNumber": "2434801953",
            "memoPostId": "fcea0e4d-ff12-415d-9b1b-b2f3012e72ef",
            "coreTransactionId": "ae6cf986-2cbf-4754-bc5e-b2f3012f050b",
            "description": "015963889974 StreamFlix               Anywhere     NYUSA BillPayment on 2434801953",
            "processingCode": "BillPayment",
            "amount": "1999",
            "processor": "i2c",
            "messageType": "0200"
        }
    ]
}
```
:::

### Cards.Transaction.Declined

:::CodeblockTabs
Sample Event

```curl
{
    "id": "fdc69fac-4e37-436c-9f2e-b2f3012ffa8e",
    "eventName": "Cards.Transaction.Declined",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:26:45.153+00:00",
    "resources": [
        "cardmanagement/v1/transactions/a47edf85-3417-4fb3-a071-b2f3012fd6e7"
    ],
    "details": [
        {
            "transactionId": "a47edf85-3417-4fb3-a071-b2f3012fd6e7",
            "outboundResponseCode": "51",
            "accountNumber": "2434801953",
            "memoPostId": null,
            "coreTransactionId": null,
            "description": "976310542139 StreamFlix               Anywhere     NYUSA BillPayment on 2434801953",
            "processingCode": "BillPayment",
            "amount": "700000",
            "processor": "i2c",
            "messageType": "0100"
        }
    ]
}
```
:::

### Cards.Transaction.Reversed

:::CodeblockTabs
Sample Event

```curl
{
    "id": "d85606f7-3584-4958-9266-b2f301334d0e",
    "eventName": "Cards.Transaction.Reversed",
    "status": "Pending",
    "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd",
    "createdAt": "2025-06-05T14:38:50.913+00:00",
    "resources": [
        "cardmanagement/v1/transactions/94d112f2-7c94-4178-a832-b2f3013343bc"
    ],
    "details": [
        {
            "transactionId": "94d112f2-7c94-4178-a832-b2f3013343bc",
            "outboundResponseCode": "00",
            "accountNumber": "2434801953",
            "memoPostId": "8e29c5d1-627d-4c25-9181-b2f30133342c",
            "coreTransactionId": null,
            "description": "(Reversal) 873023855855 Coffee Xpress            Anywhere     NYUSA Purchase on 2434801953",
            "processingCode": "Purchase",
            "amount": "742",
            "processor": "i2c",
            "messageType": "0420"
        }
    ]
}
```
:::

### Card.Token.ProvisioningReceived

:::CodeblockTabs
Sample Event

```curl
{
  "id": "5e87a305-3813-4776-a7c3-b44f00db703e",
  "eventName": "Cards.Token.ProvisioningReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-19T09:18:57.057-04:00",
  "resources": [
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/c25cabee-2533-4a46-a52b-c74991559bd7"
  ],
  "details": [
    {
      "id": "c25cabee-2533-4a46-a52b-c74991559bd7",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "correlationId": "",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:18:20.0000000-04:00",
      "activeTokens": "0",
      "tokenState": "INACTIVE",
      "tokenType": "",
      "walletIdentifier": null
    }
  ]
}
```
:::

### Card.Token.ActivationReceived

:::CodeblockTabs
Sample Event

```curl
{
  "id": "c598ff46-13ef-4c10-830b-b44f00dff8f7",
  "eventName": "Cards.Token.ActivationReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-19T09:35:27.543-04:00",
  "resources": [
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/89a3ca77-10dc-4b88-b0a7-b4480095d104"
  ],
  "details": [
    {
      "id": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:35:07.0000000-04:00",
      "activationCode": "364766",
      "activationCodeExpiration": "5/22/2026 1:35:07?PM",
      "activationMethodPreferenceType": "MASKED_EMAIL",
      "activationMethodPreferenceValue": "d****@gmail.com",
      "tokenState": "INACTIVE",
      "walletIdentifier": null
    }
  ]
}
```
:::

### Card.Token.CompletionReceived

:::CodeblockTabs
Sample Event

```curl
{
  "id": "cd1b4b30-c106-4bc1-8ee4-b44f00db703e",
  "eventName": "Cards.Token.CompletionReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-19T09:18:57.057-04:00",
  "resources": [
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/cbd6c950-1417-4c87-ba18-99fdfd72d9a6",
    "cardmanagement/v1/cards/89a3ca77-10dc-4b88-b0a7-b4480095d104/tokens/cbd6c950-1417-4c87-ba18-99fdfd72d9a6"
  ],
  "details": [
    {
      "id": "cbd6c950-1417-4c87-ba18-99fdfd72d9a6",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "correlationId": "",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:18:25.0000000-04:00",
      "activeTokens": "0",
      "tokenState": "ACTIVE",
      "tokenType": "SECURE_ELEMENT",
      "finalDecision": "TOKEN_CREATED",
      "finalDecisionIndicator": "85"
    },
    {
      "id": "cbd6c950-1417-4c87-ba18-99fdfd72d9a6",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "correlationId": "",
      "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
      "eventDate": "2026-05-19T09:18:25.0000000-04:00",
      "activeTokens": "0",
      "tokenState": "ACTIVE",
      "tokenType": "HCE",
      "finalDecision": "OTP_VERIFICATION_RESULT",
      "finalDecisionIndicator": "00"
    }
  ]
}
```
:::

### Cards.3ds.OtpTransactionReceived

:::CodeblockTabs
Sample Event

```curl
{
  "id": "54f57237-64a4-463a-a4ee-b45600a904b6",
  "eventName": "Cards.3ds.OtpTransactionReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-26T06:15:22.637-04:00",
  "resources": [
    "cardmanagement/v1/3ds/3a63b0f1-12fb-4eff-81b5-b45600a8ee0f"
  ],
  "details": [
    {
      "id": "3a63b0f1-12fb-4eff-81b5-b45600a8ee0f",
      "authenticationId": "d8709ba6-2ba1-4130-a73e-0a1a62d4caae",
      "transactionId": "2c76820c-b8a9-4b34-a866-5d87a3edfcb6",
      "stepUpRequestId": "dda5d674-20c4-4d9e-9361-9bf9b53f2cef",
      "stepUpCounter": "1",
      "stepUpType": "OTPSMS",
      "verificationToken": "847296",
      "otpReferenceCode": "REF-847296",
      "merchantId": "MERCH_12345678",
      "merchantName": "ACME",
      "merchantUrl": "https://www.examplestore.com",
      "merchantCategoryCode": "5411",
      "merchantCountryCode": "GB",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "transactionAmount": "10"
    }
  ]
}
```
:::

### Cards.3ds.OutOfBandTransactionReceived

:::CodeblockTabs
Sample Event

```curl
{
  "id": "895e7062-bfe5-4d85-b311-b45600a99166",
  "eventName": "Cards.3ds.OutOfBandTransactionReceived",
  "status": "Pending",
  "partnerId": "19222b81-0e1e-452d-a842-b2f1011c16f3",
  "createdAt": "2026-05-26T06:17:22.69-04:00",
  "resources": [
    "cardmanagement/v1/3ds/ca9cff74-796b-4a22-9e30-b45600a9783b"
  ],
  "details": [
    {
      "id": "ca9cff74-796b-4a22-9e30-b45600a9783b",
      "authenticationId": "c03c5399-d0ff-4622-aac9-cf102df2edb6",
      "transactionId": "9a8d9109-fd4d-4c29-afdf-02d97367e196",
      "stepUpRequestId": "7664f11a-4a0b-44cb-8551-d277e51a6068",
      "stepUpCounter": "0",
      "stepUpType": "OUTOFBANDOTHER",
      "verificationToken": null,
      "otpReferenceCode": null,
      "merchantId": "MERCH_12345678",
      "merchantName": "ACME",
      "merchantUrl": "https://www.examplestore.com",
      "merchantCategoryCode": "5411",
      "merchantCountryCode": "GB",
      "cardId": "89a3ca77-10dc-4b88-b0a7-b4480095d104",
      "transactionAmount": "10"
    }
  ]
}
```
:::