> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# challenge.requested

<Update label="v2.0.0" description="breaking changes">
  ### Migrated to challenge.requested

  <Warning>
    Breaking change: the 3DS notification webhook's resource and action naming convention has changed, and several `challenge` fields have been renamed. Update your webhook handlers before upgrading.
  </Warning>

  Rain updated the 3DS notification webhook with a new resource and action naming convention and improved field names.

  #### Breaking Changes

  * `resource` changed from `"3ds"` to `"challenge"`
  * `action` changed from `"notification"` to `"requested"`
  * `challenge.ttl` renamed to `challenge.timeToLive`
  * `challenge.otp` renamed to `challenge.oneTimePassword`

  #### Payload Fields

  | Field                              | Type                | Description                                                                                                                                 |
  | ---------------------------------- | ------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
  | `id`                               | `string`            | Unique per-delivery webhook ID (distinct from `body.id`)                                                                                    |
  | `resource`                         | `string`            | Always `"challenge"`                                                                                                                        |
  | `action`                           | `string`            | Always `"requested"`                                                                                                                        |
  | `version`                          | `string` (optional) | The webhook version (`2.0.0`). May be absent for some tenants: treat it as optional when parsing                                            |
  | `body.challenge.startTime`         | `string`            | ISO 8601 timestamp of when the challenge started                                                                                            |
  | `body.challenge.expiryTime`        | `string`            | ISO 8601 timestamp of when the challenge expires                                                                                            |
  | `body.challenge.timeToLive`        | `number`            | Time remaining in seconds                                                                                                                   |
  | `body.challenge.oneTimePassword`   | `string` (optional) | One-time password to deliver to the cardholder. Absent for OOB challenges                                                                   |
  | `body.challenge.id`                | `string` (uuid)     | OOB only. Not sent for Forwarding challenges. Echo back as `challengeId` when calling [`/3ds`](/docs/3ds)                                   |
  | `body.transaction.amount`          | `number`            | Transaction amount in the currency's minor unit (e.g., cents)                                                                               |
  | `body.transaction.currency`        | `string`            | Currency code (e.g., `USD`)                                                                                                                 |
  | `body.transaction.merchantName`    | `string`            | Merchant name                                                                                                                               |
  | `body.transaction.merchantCountry` | `string`            | Merchant country                                                                                                                            |
  | `body.transaction.id`              | `string` (uuid)     | OOB only. Not sent for Forwarding challenges. Echo back as `apataTransactionId` when calling [`/3ds`](/docs/3ds)                            |
  | `body.card.id`                     | `string`            | Rain card ID                                                                                                                                |
  | `body.deliveryMethod`              | `string`            | Challenge delivery method: `SMS`, `EMAIL`, `WHATSAPP`, or `OTHER` (3DS Forwarding), or `PUSH` (Out-of-Band). See the [3DS guide](/docs/3ds) |
  | `body.id`                          | `string`            | Unique ID for this webhook notification, use for idempotency                                                                                |

  #### Example Payloads

  <CodeGroup>
    ```json Forwarding (SMS) theme={null}
    {
        "id": "d4f8a2b1-3c5e-4a7f-9b1d-6e8f0a2c4d5e",
        "resource": "challenge",
        "action": "requested",
        "version": "2.0.0",
        "body": {
            "challenge": {
                "startTime": "2026-03-06T10:00:00.000Z",
                "expiryTime": "2026-03-06T10:05:00.000Z",
                "timeToLive": 300,
                "oneTimePassword": "123456"
            },
            "transaction": {
                "amount": 5000,
                "currency": "USD",
                "merchantName": "AMAZON",
                "merchantCountry": "US"
            },
            "card": {
                "id": "94534236-927b-44f3-9429-27994c7ebc49"
            },
            "deliveryMethod": "SMS",
            "id": "8f7c1a92-4b3d-4e5f-a6b7-c8d9e0f1a2b3"
        }
    }
    ```

    ```json Out-of-Band (OOB) theme={null}
    {
        "id": "d4f8a2b1-3c5e-4a7f-9b1d-6e8f0a2c4d5e",
        "resource": "challenge",
        "action": "requested",
        "version": "2.0.0",
        "body": {
            "challenge": {
                "startTime": "2026-03-06T10:00:00.000Z",
                "expiryTime": "2026-03-06T10:05:00.000Z",
                "timeToLive": 300,
                "id": "a1b2c3d4-0000-0000-0000-000000000001"
            },
            "transaction": {
                "amount": 5000,
                "currency": "USD",
                "merchantName": "AMAZON",
                "merchantCountry": "US",
                "id": "a1b2c3d4-0000-0000-0000-000000000002"
            },
            "card": {
                "id": "94534236-927b-44f3-9429-27994c7ebc49"
            },
            "deliveryMethod": "PUSH",
            "id": "8f7c1a92-4b3d-4e5f-a6b7-c8d9e0f1a2b3"
        }
    }
    ```
  </CodeGroup>
</Update>