{
    "transaction_identifier": "c22ae8a7-0ae9-41a6-b807-7b369414e9a3",
    "webhook_received": {
        "TransactionType": 2,
        "Approved": false,
        "TransactionIdentifier": "c22ae8a7-0ae9-41a6-b807-7b369414e9a3",
        "TotalAmount": 115,
        "CurrencyCode": "840",
        "CardBrand": "Visa",
        "IsoResponseCode": "3D0",
        "ResponseMessage": "3D-Secure complete",
        "RiskManagement": {
            "ThreeDSecure": {
                "Xid": "5ed4bbf4-ec15-4a5e-b2d5-e7a8bacc4c09",
                "AuthenticationStatus": "N",
                "StatusReason": "01",
                "ProtocolVersion": "2.1.0",
                "FingerprintIndicator": "U",
                "DsTransId": "5818e171-d3c3-4c7d-b069-867ba5ea3747",
                "ResponseCode": "3D0",
                "CardholderInfo": "Additional authentication is needed for this transaction, please contact(Issuer Name) at xxx - xxx - xxxx."
            }
        },
        "PanToken": "2yk5jt90ij87nej5m7x2dv07c9hv423ncuq26vbh5xpw9pm1ue",
        "OrderIdentifier": "c22ae8a7-0ae9-41a6-b807-7b369414e9a3",
        "SpiToken": "57n3yb62jjp4k5ycglt4j7e5rgn53q3238ojynky4914iy2p5-3plyg9wt7wz"
    },
    "spi_token": "57n3yb62jjp4k5ycglt4j7e5rgn53q3238ojynky4914iy2p5-3plyg9wt7wz",
    "received_at": "2026-06-10 17:56:36",
    "status": "declined",
    "stored_at": "2026-06-10 17:56:36",
    "last_updated": "2026-06-10 17:56:36",
    "payment_result": {
        "TransactionType": 2,
        "Approved": false,
        "TransactionIdentifier": "c22ae8a7-0ae9-41a6-b807-7b369414e9a3",
        "TotalAmount": 115,
        "CurrencyCode": "840",
        "RRN": "616117021186",
        "CardBrand": "Visa",
        "IsoResponseCode": "12",
        "ResponseMessage": "Invalid transaction",
        "PanToken": "2yk5jt90ij87nej5m7x2dv07c9hv423ncuq26vbh5xpw9pm1ue",
        "OrderIdentifier": "c22ae8a7-0ae9-41a6-b807-7b369414e9a3",
        "Errors": [
            {
                "Code": "330",
                "Message": "Not permitted [AllowPaymentCompletion]"
            }
        ]
    },
    "approved": false,
    "authorization_code": null,
    "response_message": "Invalid transaction",
    "total_amount": 115,
    "iso_response_code": "12"
}