transaction.requested

​

v1.1.0

minor update

threeDSecure field added

Added the threeDSecure field to the transaction.requested (spend) webhook payload. This field indicates whether 3D Secure authentication was used for the transaction.

New Field

Field	Type	Description
spend.threeDSecure	boolean (optional)	Indicates whether 3D Secure authentication was used for the transaction

Example Payload

{
    "resource": "transaction",
    "action": "requested",
    "version": "1.1.0",
    "body": {
        "id": "txn_abc123",
        "type": "spend",
        "spend": {
            "amount": 2500,
            "currency": "USD",
            "localAmount": 2250,
            "localCurrency": "EUR",
            "authorizedAmount": 7500,
            "previouslyAuthorizedAmount": 5000,
            "merchantName": "HOTEL MARRIOTT",
            "merchantCity": "New York",
            "merchantCountry": "US",
            "merchantCategory": "Hotels and Motels",
            "merchantCategoryCode": "7011",
            "cardId": "card_123",
            "cardType": "virtual",
            "companyId": "company_456",
            "userId": "user_789",
            "userFirstName": "John",
            "userLastName": "Doe",
            "userEmail": "[e-mail]",
            "status": "pending",
            "authorizedAt": "2026-01-27T15:30:00.000Z",
            "exchangeRate": 1.11,
            "threeDSecure": true
        }
    }
}

​

v1.0.0

initial release

transaction.requested webhook (spend)

Added the transaction.requested webhook for spend transactions. Rain triggers this webhook when an incremental authorization request arrives for an existing transaction. It allows you to approve or decline additional authorization amounts on top of the original authorization.

Payload Fields

Field	Type	Description
id	string	The transaction ID
type	string	Always spend for this webhook
spend.amount	number	The amount you’re asked to approve in this event, in USD. On an initial authorization, you receive the full authorization amount; on an incremental authorization, you receive only the increment
spend.currency	string	Currency code (e.g., USD)
spend.localAmount	number (optional)	Transaction amount in local currency
spend.localCurrency	string (optional)	Local currency code
spend.authorizedAmount	number	The new total you authorize on the hold if you approve this request. Always equals previouslyAuthorizedAmount + amount
spend.authorizationMethod	string (optional)	Method of authorization
spend.previouslyAuthorizedAmount	number	The total you authorized before this event (0 on an initial authorization)
spend.tokenizedSource	string (optional)	Source of tokenization (e.g., apple_pay, google_pay)
spend.merchantName	string	Merchant name
spend.merchantCity	string	Merchant city
spend.merchantCountry	string	Merchant country
spend.merchantCategory	string	Merchant category description
spend.merchantCategoryCode	string	Merchant category code (MCC)
spend.merchantId	string (optional)	Merchant ID
spend.cardId	string	The card ID used for the transaction
spend.cardType	string	The card type (virtual or physical)
spend.companyId	string (optional)	Company ID (for corporate cards)
spend.userId	string	The user ID
spend.userFirstName	string	User’s first name
spend.userLastName	string (optional)	User’s last name
spend.userEmail	string	User’s email
spend.status	string	Always pending for this webhook
spend.authorizedAt	string	ISO 8601 timestamp of authorization
spend.signature	string (optional)	Signature for verification
spend.timestamp	number (optional)	Unix timestamp
spend.exchangeRate	number (optional)	Exchange rate applied
spend.iso8583.de41	string (optional)	Terminal ID (ISO 8583 Data Element 41)

Example Payload

{
    "resource": "transaction",
    "action": "requested",
    "version": "1.0.0",
    "body": {
        "id": "txn_abc123",
        "type": "spend",
        "spend": {
            "amount": 2500,
            "currency": "USD",
            "localAmount": 2250,
            "localCurrency": "EUR",
            "authorizedAmount": 7500,
            "previouslyAuthorizedAmount": 5000,
            "merchantName": "HOTEL MARRIOTT",
            "merchantCity": "New York",
            "merchantCountry": "US",
            "merchantCategory": "Hotels and Motels",
            "merchantCategoryCode": "7011",
            "cardId": "card_123",
            "cardType": "virtual",
            "companyId": "company_456",
            "userId": "user_789",
            "userFirstName": "John",
            "userLastName": "Doe",
            "userEmail": "[e-mail]",
            "status": "pending",
            "authorizedAt": "2026-01-27T15:30:00.000Z",
            "exchangeRate": 1.11
        }
    }
}

Responding to the Webhook

To approve an incremental authorization, evaluate amount, the new funds being requested. authorizedAmount tells you the total exposure on the hold after approval.

You can approve or decline the incremental authorization by returning an appropriate response:

Approve:

{
    "success": true
}

Decline:

{
    "success": false,
    "rejectionCode": "insufficient_funds"
}