> ## Documentation Index > Fetch the complete documentation index at: https://docs.reap.global/llms.txt > Use this file to discover all available pages before exploring further. # Simulate 3DS authorization > Simulates a WEBHOOK 3DS challenge for a card authorization. Returns a pending `ThreeDsChallenge` and delivers `CARD_3DS_CHALLENGE_CREATED` without creating a transaction. After `POST /card-3ds-challenges/{id}/respond` with `approve: true`, authorization completes and `CARD_TRANSACTION_CREATED` is delivered. With `approve: false`, the challenge is rejected and no transaction is created (mirrors production). The card must use `3dsChallengeMethod: WEBHOOK`. ## OpenAPI ````yaml /api-reference/openapi.json post /simulation/card-transactions/authorization-with-3ds openapi: 3.1.0 info: title: Reap API version: 1.0.0 description: Reap platform API servers: - url: https://sandbox.api.reap.global description: Sandbox - url: https://prod.api.reap.global description: Production security: - bearerAuth: [] tags: - name: Accounts - name: Activities - name: Card Designs - name: Card Shipments - name: Card Transactions - name: Cards - name: Companies - name: Crypto Deposits - name: Fraud Alerts - name: Policies - name: Simulation - name: Users - name: Virtual Asset Postings - name: Virtual Assets - name: Webhooks paths: /simulation/card-transactions/authorization-with-3ds: post: tags: - Simulation summary: Simulate 3DS authorization description: >- Simulates a WEBHOOK 3DS challenge for a card authorization. Returns a pending `ThreeDsChallenge` and delivers `CARD_3DS_CHALLENGE_CREATED` without creating a transaction. After `POST /card-3ds-challenges/{id}/respond` with `approve: true`, authorization completes and `CARD_TRANSACTION_CREATED` is delivered. With `approve: false`, the challenge is rejected and no transaction is created (mirrors production). The card must use `3dsChallengeMethod: WEBHOOK`. operationId: cardTransactionAuthorizationWith3ds_simulation parameters: - name: Reap-Version in: header required: true schema: type: string enum: - '2025-02-14' description: API version (YYYY-MM-DD) example: '2025-02-14' requestBody: description: >- Simulate a WEBHOOK 3DS challenge that defers authorization until the partner responds required: true content: application/json: schema: type: object properties: cardId: description: Card ID type: string format: uuid amount: type: number minimum: 0 examples: - 100.5 - 0 - 1234.99 description: Amount in the project's billing currency originalAmount: description: >- Amount in the original transaction currency. Must be provided together with `originalCurrency`. type: number minimum: 0 originalCurrency: description: >- Original transaction currency as an ISO 4217 alpha code (e.g. `EUR`). Must be provided together with `originalAmount`. type: string pattern: ^[A-Z]{3}$ channel: description: Transaction channel. Defaults to `ECOMMERCE` when omitted. type: string enum: - ATM - POS - ECOMMERCE - VISA_DIRECT example: ATM digitalWallet: description: >- Digital wallet type (e.g. `APPLE_PAY`, `GOOGLE_PAY`). Randomly generated if omitted. type: string enum: - APPLE_PAY - GOOGLE_PAY - MERCHANT_TOKEN example: APPLE_PAY merchant: type: object properties: name: description: Merchant name type: string minLength: 1 city: description: Merchant city type: string minLength: 1 postCode: description: Merchant postal or ZIP code type: string minLength: 1 state: description: Merchant state or province type: string minLength: 1 country: type: string minLength: 2 maxLength: 2 examples: - US - GB - DE description: ISO 3166-1 alpha-2 country code mccCode: description: Merchant Category Code (4 digits) type: string minLength: 4 maxLength: 4 mccCategory: description: MCC category description type: string minLength: 1 description: >- Merchant details. All fields are optional and will be randomly generated if omitted. required: - cardId - amount application/x-www-form-urlencoded: schema: type: object properties: cardId: description: Card ID type: string format: uuid amount: type: number minimum: 0 examples: - 100.5 - 0 - 1234.99 description: Amount in the project's billing currency originalAmount: description: >- Amount in the original transaction currency. Must be provided together with `originalCurrency`. type: number minimum: 0 originalCurrency: description: >- Original transaction currency as an ISO 4217 alpha code (e.g. `EUR`). Must be provided together with `originalAmount`. type: string pattern: ^[A-Z]{3}$ channel: description: Transaction channel. Defaults to `ECOMMERCE` when omitted. type: string enum: - ATM - POS - ECOMMERCE - VISA_DIRECT example: ATM digitalWallet: description: >- Digital wallet type (e.g. `APPLE_PAY`, `GOOGLE_PAY`). Randomly generated if omitted. type: string enum: - APPLE_PAY - GOOGLE_PAY - MERCHANT_TOKEN example: APPLE_PAY merchant: type: object properties: name: description: Merchant name type: string minLength: 1 city: description: Merchant city type: string minLength: 1 postCode: description: Merchant postal or ZIP code type: string minLength: 1 state: description: Merchant state or province type: string minLength: 1 country: type: string minLength: 2 maxLength: 2 examples: - US - GB - DE description: ISO 3166-1 alpha-2 country code mccCode: description: Merchant Category Code (4 digits) type: string minLength: 4 maxLength: 4 mccCategory: description: MCC category description type: string minLength: 1 description: >- Merchant details. All fields are optional and will be randomly generated if omitted. required: - cardId - amount multipart/form-data: schema: type: object properties: cardId: description: Card ID type: string format: uuid amount: type: number minimum: 0 examples: - 100.5 - 0 - 1234.99 description: Amount in the project's billing currency originalAmount: description: >- Amount in the original transaction currency. Must be provided together with `originalCurrency`. type: number minimum: 0 originalCurrency: description: >- Original transaction currency as an ISO 4217 alpha code (e.g. `EUR`). Must be provided together with `originalAmount`. type: string pattern: ^[A-Z]{3}$ channel: description: Transaction channel. Defaults to `ECOMMERCE` when omitted. type: string enum: - ATM - POS - ECOMMERCE - VISA_DIRECT example: ATM digitalWallet: description: >- Digital wallet type (e.g. `APPLE_PAY`, `GOOGLE_PAY`). Randomly generated if omitted. type: string enum: - APPLE_PAY - GOOGLE_PAY - MERCHANT_TOKEN example: APPLE_PAY merchant: type: object properties: name: description: Merchant name type: string minLength: 1 city: description: Merchant city type: string minLength: 1 postCode: description: Merchant postal or ZIP code type: string minLength: 1 state: description: Merchant state or province type: string minLength: 1 country: type: string minLength: 2 maxLength: 2 examples: - US - GB - DE description: ISO 3166-1 alpha-2 country code mccCode: description: Merchant Category Code (4 digits) type: string minLength: 4 maxLength: 4 mccCategory: description: MCC category description type: string minLength: 1 description: >- Merchant details. All fields are optional and will be randomly generated if omitted. required: - cardId - amount responses: '200': description: Response for status 200 content: application/json: schema: type: object properties: id: type: string format: uuid description: Unique 3DS challenge identifier cardId: type: string format: uuid description: ID of the card this challenge is for status: type: string enum: - PENDING - APPROVED - REJECTED - EXPIRED description: Challenge status example: PENDING merchant: $ref: '#/components/schemas/ThreeDsChallengeMerchant' transaction: $ref: '#/components/schemas/ThreeDsChallengeTransaction' expiresAt: type: string examples: - '2024-01-15T10:35:00Z' description: ISO 8601 timestamp when this challenge expires required: - id - cardId - status - merchant - transaction - expiresAt '400': description: The resource is not in a valid state for the requested simulation content: application/json: schema: type: object properties: error: type: object properties: code: type: string const: SIMULATION_INVALID_STATE message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: SimulationInvalidStateError '404': description: Card not found content: application/json: schema: type: object properties: error: type: object properties: code: type: string const: CARD_NOT_FOUND message: type: string detail: anyOf: - type: object additionalProperties: {} - type: 'null' required: - code - message - detail required: - error title: CardNotFoundError components: schemas: ThreeDsChallengeMerchant: type: object properties: name: type: string examples: - Sephora Digital description: Merchant name countryCode: type: string examples: - '344' description: Merchant country code (ISO numeric) required: - name - countryCode description: Merchant details ThreeDsChallengeTransaction: type: object properties: amount: type: string examples: - '170.0000' description: Transaction amount currency: type: string examples: - HKD - USD description: Transaction currency (ISO alpha-3) timestamp: type: string examples: - '2024-01-15T10:30:00Z' description: ISO 8601 timestamp of the transaction required: - amount - currency - timestamp description: Transaction details securitySchemes: bearerAuth: type: http scheme: bearer description: API key as Bearer token ````