lithic 0.11.0 → 0.12.0

checksums.yaml

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data/CHANGELOG.md

@@ -1,5 +1,15 @@
 # Changelog
 
+## 0.12.0 (2026-04-20)
+
+Full Changelog: [v0.11.0...v0.12.0](https://github.com/lithic-com/lithic-ruby/compare/v0.11.0...v0.12.0)
+
+### Features
+
+* **api:** Add card_authorization.challenge_response webhook ([8abc734](https://github.com/lithic-com/lithic-ruby/commit/8abc7348e6ed248c532058d68388fc357e54f65f))
+* **api:** Add card/account/business account signals endpoints and behavioral rule attributes ([76de3de](https://github.com/lithic-com/lithic-ruby/commit/76de3de7a510e54712be632789e90457b7486f3d))
+* **api:** add set_verification_method to external_bank_accounts ([3878cb3](https://github.com/lithic-com/lithic-ruby/commit/3878cb30db9f591d2070bed948cc40da07dd3f0e))
+
 ## 0.11.0 (2026-04-13)
 
 Full Changelog: [v0.10.0...v0.11.0](https://github.com/lithic-com/lithic-ruby/compare/v0.10.0...v0.11.0)

data/README.md

@@ -24,7 +24,7 @@ To use this gem, install via Bundler by adding the following to your application
 <!-- x-release-please-start-version -->
 
 ```ruby
-gem "lithic", "~> 0.11.0"
+gem "lithic", "~> 0.12.0"
 ```
 
 <!-- x-release-please-end -->

data/lib/lithic/models/auth_rules/conditional_authorization_action_parameters.rb

@@ -107,6 +107,33 @@ module Lithic
           #   - `CARD_AGE`: The age of the card in seconds at the time of the authorization.
           #   - `ACCOUNT_AGE`: The age of the account holder's account in seconds at the time
           #     of the authorization.
+          #   - `AMOUNT_Z_SCORE`: The z-score of the transaction amount relative to the
+          #     entity's transaction history. Null if fewer than 30 approved transactions in
+          #     the specified window. Requires `parameters.scope` and `parameters.interval`.
+          #   - `AVG_TRANSACTION_AMOUNT`: The average approved transaction amount for the
+          #     entity over the specified window, in cents. Requires `parameters.scope` and
+          #     `parameters.interval`.
+          #   - `STDEV_TRANSACTION_AMOUNT`: The standard deviation of approved transaction
+          #     amounts for the entity over the specified window, in cents. Null if fewer than
+          #     30 approved transactions in the specified window. Requires `parameters.scope`
+          #     and `parameters.interval`.
+          #   - `IS_NEW_COUNTRY`: Whether the transaction's merchant country has not been seen
+          #     in the entity's transaction history. Valid values are `TRUE`, `FALSE`.
+          #     Requires `parameters.scope`.
+          #   - `IS_NEW_MCC`: Whether the transaction's MCC has not been seen in the entity's
+          #     transaction history. Valid values are `TRUE`, `FALSE`. Requires
+          #     `parameters.scope`.
+          #   - `IS_FIRST_TRANSACTION`: Whether this is the first transaction for the entity.
+          #     Valid values are `TRUE`, `FALSE`. Requires `parameters.scope`.
+          #   - `CONSECUTIVE_DECLINES`: The number of consecutive declined transactions for
+          #     the entity over the last 30 days (rolling). Requires `parameters.scope`. Not
+          #     supported for `BUSINESS_ACCOUNT` scope.
+          #   - `TIME_SINCE_LAST_TRANSACTION`: The number of days since the last approved
+          #     transaction for the entity. Requires `parameters.scope`.
+          #   - `DISTINCT_COUNTRY_COUNT`: The number of distinct merchant countries seen in
+          #     the entity's transaction history. Requires `parameters.scope`.
+          #   - `THREE_DS_SUCCESS_RATE`: The 3DS authentication success rate for the card, as
+          #     a percentage from 0.0 to 100.0. Card-scoped only; no `parameters` required.
           #
           #   @return [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Attribute]
           required :attribute,
@@ -124,7 +151,18 @@ module Lithic
           #   @return [String, Integer, Array<String>, Time]
           required :value, union: -> { Lithic::AuthRules::ConditionalValue }
 
-          # @!method initialize(attribute:, operation:, value:)
+          # @!attribute parameters
+          #   Additional parameters required for transaction history signal attributes.
+          #   Required when `attribute` is one of `AMOUNT_Z_SCORE`, `AVG_TRANSACTION_AMOUNT`,
+          #   `STDEV_TRANSACTION_AMOUNT`, `IS_NEW_COUNTRY`, `IS_NEW_MCC`,
+          #   `IS_FIRST_TRANSACTION`, `CONSECUTIVE_DECLINES`, `TIME_SINCE_LAST_TRANSACTION`,
+          #   or `DISTINCT_COUNTRY_COUNT`. Not used for other attributes.
+          #
+          #   @return [Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters, nil]
+          optional :parameters,
+                   -> { Lithic::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters }
+
+          # @!method initialize(attribute:, operation:, value:, parameters: nil)
           #   Some parameter documentations has been truncated, see
           #   {Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition}
           #   for more details.
@@ -134,6 +172,8 @@ module Lithic
           #   @param operation [Symbol, Lithic::Models::AuthRules::ConditionalOperation] The operation to apply to the attribute
           #
           #   @param value [String, Integer, Array<String>, Time] A regex string, to be used with `MATCHES` or `DOES_NOT_MATCH`
+          #
+          #   @param parameters [Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters] Additional parameters required for transaction history signal attributes. Requir
 
           # The attribute to target.
           #
@@ -206,6 +246,33 @@ module Lithic
           # - `CARD_AGE`: The age of the card in seconds at the time of the authorization.
           # - `ACCOUNT_AGE`: The age of the account holder's account in seconds at the time
           #   of the authorization.
+          # - `AMOUNT_Z_SCORE`: The z-score of the transaction amount relative to the
+          #   entity's transaction history. Null if fewer than 30 approved transactions in
+          #   the specified window. Requires `parameters.scope` and `parameters.interval`.
+          # - `AVG_TRANSACTION_AMOUNT`: The average approved transaction amount for the
+          #   entity over the specified window, in cents. Requires `parameters.scope` and
+          #   `parameters.interval`.
+          # - `STDEV_TRANSACTION_AMOUNT`: The standard deviation of approved transaction
+          #   amounts for the entity over the specified window, in cents. Null if fewer than
+          #   30 approved transactions in the specified window. Requires `parameters.scope`
+          #   and `parameters.interval`.
+          # - `IS_NEW_COUNTRY`: Whether the transaction's merchant country has not been seen
+          #   in the entity's transaction history. Valid values are `TRUE`, `FALSE`.
+          #   Requires `parameters.scope`.
+          # - `IS_NEW_MCC`: Whether the transaction's MCC has not been seen in the entity's
+          #   transaction history. Valid values are `TRUE`, `FALSE`. Requires
+          #   `parameters.scope`.
+          # - `IS_FIRST_TRANSACTION`: Whether this is the first transaction for the entity.
+          #   Valid values are `TRUE`, `FALSE`. Requires `parameters.scope`.
+          # - `CONSECUTIVE_DECLINES`: The number of consecutive declined transactions for
+          #   the entity over the last 30 days (rolling). Requires `parameters.scope`. Not
+          #   supported for `BUSINESS_ACCOUNT` scope.
+          # - `TIME_SINCE_LAST_TRANSACTION`: The number of days since the last approved
+          #   transaction for the entity. Requires `parameters.scope`.
+          # - `DISTINCT_COUNTRY_COUNT`: The number of distinct merchant countries seen in
+          #   the entity's transaction history. Requires `parameters.scope`.
+          # - `THREE_DS_SUCCESS_RATE`: The 3DS authentication success rate for the card, as
+          #   a percentage from 0.0 to 100.0. Card-scoped only; no `parameters` required.
           #
           # @see Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition#attribute
           module Attribute
@@ -237,10 +304,85 @@ module Lithic
             SERVICE_LOCATION_POSTAL_CODE = :SERVICE_LOCATION_POSTAL_CODE
             CARD_AGE = :CARD_AGE
             ACCOUNT_AGE = :ACCOUNT_AGE
+            AMOUNT_Z_SCORE = :AMOUNT_Z_SCORE
+            AVG_TRANSACTION_AMOUNT = :AVG_TRANSACTION_AMOUNT
+            STDEV_TRANSACTION_AMOUNT = :STDEV_TRANSACTION_AMOUNT
+            IS_NEW_COUNTRY = :IS_NEW_COUNTRY
+            IS_NEW_MCC = :IS_NEW_MCC
+            IS_FIRST_TRANSACTION = :IS_FIRST_TRANSACTION
+            CONSECUTIVE_DECLINES = :CONSECUTIVE_DECLINES
+            TIME_SINCE_LAST_TRANSACTION = :TIME_SINCE_LAST_TRANSACTION
+            DISTINCT_COUNTRY_COUNT = :DISTINCT_COUNTRY_COUNT
+            THREE_DS_SUCCESS_RATE = :THREE_DS_SUCCESS_RATE
 
             # @!method self.values
             #   @return [Array<Symbol>]
           end
+
+          # @see Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition#parameters
+          class Parameters < Lithic::Internal::Type::BaseModel
+            # @!attribute interval
+            #   The time window for statistical attributes (`AMOUNT_Z_SCORE`,
+            #   `AVG_TRANSACTION_AMOUNT`, `STDEV_TRANSACTION_AMOUNT`). Use `LIFETIME` for
+            #   all-time history or a specific window (`7D`, `30D`, `90D`).
+            #
+            #   @return [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Interval, nil]
+            optional :interval,
+                     enum: -> { Lithic::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Interval }
+
+            # @!attribute scope
+            #   The entity scope to evaluate the attribute against.
+            #
+            #   @return [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Scope, nil]
+            optional :scope,
+                     enum: -> { Lithic::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Scope }
+
+            # @!method initialize(interval: nil, scope: nil)
+            #   Some parameter documentations has been truncated, see
+            #   {Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters}
+            #   for more details.
+            #
+            #   Additional parameters required for transaction history signal attributes.
+            #   Required when `attribute` is one of `AMOUNT_Z_SCORE`, `AVG_TRANSACTION_AMOUNT`,
+            #   `STDEV_TRANSACTION_AMOUNT`, `IS_NEW_COUNTRY`, `IS_NEW_MCC`,
+            #   `IS_FIRST_TRANSACTION`, `CONSECUTIVE_DECLINES`, `TIME_SINCE_LAST_TRANSACTION`,
+            #   or `DISTINCT_COUNTRY_COUNT`. Not used for other attributes.
+            #
+            #   @param interval [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Interval] The time window for statistical attributes (`AMOUNT_Z_SCORE`, `AVG_TRANSACTION_A
+            #
+            #   @param scope [Symbol, Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters::Scope] The entity scope to evaluate the attribute against.
+
+            # The time window for statistical attributes (`AMOUNT_Z_SCORE`,
+            # `AVG_TRANSACTION_AMOUNT`, `STDEV_TRANSACTION_AMOUNT`). Use `LIFETIME` for
+            # all-time history or a specific window (`7D`, `30D`, `90D`).
+            #
+            # @see Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters#interval
+            module Interval
+              extend Lithic::Internal::Type::Enum
+
+              LIFETIME = :LIFETIME
+              INTERVAL_7_D = :"7D"
+              INTERVAL_30_D = :"30D"
+              INTERVAL_90_D = :"90D"
+
+              # @!method self.values
+              #   @return [Array<Symbol>]
+            end
+
+            # The entity scope to evaluate the attribute against.
+            #
+            # @see Lithic::Models::AuthRules::ConditionalAuthorizationActionParameters::Condition::Parameters#scope
+            module Scope
+              extend Lithic::Internal::Type::Enum
+
+              CARD = :CARD
+              ACCOUNT = :ACCOUNT
+              BUSINESS_ACCOUNT = :BUSINESS_ACCOUNT
+
+              # @!method self.values
+              #   @return [Array<Symbol>]
+            end
+          end
         end
       end
     end

data/lib/lithic/models/auth_rules/rule_feature.rb

@@ -24,6 +24,10 @@ module Lithic
       # - `SPEND_VELOCITY`: Spend velocity data for the card or account. Requires
       #   `scope`, `period`, and optionally `filters` to configure the velocity
       #   calculation. Available for AUTHORIZATION event stream rules.
+      # - `TRANSACTION_HISTORY_SIGNALS`: Behavioral feature state derived from the
+      #   entity's transaction history. Requires `scope` to specify whether to load
+      #   card, account, or business account history. Available for AUTHORIZATION event
+      #   stream rules.
       module RuleFeature
         extend Lithic::Internal::Type::Union
 
@@ -43,6 +47,8 @@ module Lithic
 
         variant -> { Lithic::AuthRules::RuleFeature::SpendVelocityFeature }
 
+        variant -> { Lithic::AuthRules::RuleFeature::TransactionHistorySignalsFeature }
+
         class AuthorizationFeature < Lithic::Internal::Type::BaseModel
           # @!attribute type
           #
@@ -223,8 +229,48 @@ module Lithic
           end
         end
 
+        class TransactionHistorySignalsFeature < Lithic::Internal::Type::BaseModel
+          # @!attribute scope
+          #   The entity scope to load transaction history signals for.
+          #
+          #   @return [Symbol, Lithic::Models::AuthRules::RuleFeature::TransactionHistorySignalsFeature::Scope]
+          required :scope, enum: -> { Lithic::AuthRules::RuleFeature::TransactionHistorySignalsFeature::Scope }
+
+          # @!attribute type
+          #
+          #   @return [Symbol, :TRANSACTION_HISTORY_SIGNALS]
+          required :type, const: :TRANSACTION_HISTORY_SIGNALS
+
+          # @!attribute name
+          #   The variable name for this feature in the rule function signature
+          #
+          #   @return [String, nil]
+          optional :name, String
+
+          # @!method initialize(scope:, name: nil, type: :TRANSACTION_HISTORY_SIGNALS)
+          #   @param scope [Symbol, Lithic::Models::AuthRules::RuleFeature::TransactionHistorySignalsFeature::Scope] The entity scope to load transaction history signals for.
+          #
+          #   @param name [String] The variable name for this feature in the rule function signature
+          #
+          #   @param type [Symbol, :TRANSACTION_HISTORY_SIGNALS]
+
+          # The entity scope to load transaction history signals for.
+          #
+          # @see Lithic::Models::AuthRules::RuleFeature::TransactionHistorySignalsFeature#scope
+          module Scope
+            extend Lithic::Internal::Type::Enum
+
+            CARD = :CARD
+            ACCOUNT = :ACCOUNT
+            BUSINESS_ACCOUNT = :BUSINESS_ACCOUNT
+
+            # @!method self.values
+            #   @return [Array<Symbol>]
+          end
+        end
+
         # @!method self.variants
-        #   @return [Array(Lithic::Models::AuthRules::RuleFeature::AuthorizationFeature, Lithic::Models::AuthRules::RuleFeature::AuthenticationFeature, Lithic::Models::AuthRules::RuleFeature::TokenizationFeature, Lithic::Models::AuthRules::RuleFeature::ACHReceiptFeature, Lithic::Models::AuthRules::RuleFeature::CardFeature, Lithic::Models::AuthRules::RuleFeature::AccountHolderFeature, Lithic::Models::AuthRules::RuleFeature::IPMetadataFeature, Lithic::Models::AuthRules::RuleFeature::SpendVelocityFeature)]
+        #   @return [Array(Lithic::Models::AuthRules::RuleFeature::AuthorizationFeature, Lithic::Models::AuthRules::RuleFeature::AuthenticationFeature, Lithic::Models::AuthRules::RuleFeature::TokenizationFeature, Lithic::Models::AuthRules::RuleFeature::ACHReceiptFeature, Lithic::Models::AuthRules::RuleFeature::CardFeature, Lithic::Models::AuthRules::RuleFeature::AccountHolderFeature, Lithic::Models::AuthRules::RuleFeature::IPMetadataFeature, Lithic::Models::AuthRules::RuleFeature::SpendVelocityFeature, Lithic::Models::AuthRules::RuleFeature::TransactionHistorySignalsFeature)]
       end
     end
   end

data/lib/lithic/models/auth_rules/typescript_code_parameters.rb

@@ -15,7 +15,7 @@ module Lithic
         # @!attribute features
         #   Features available to the TypeScript code at evaluation time
         #
-        #   @return [Array<Lithic::Models::AuthRules::RuleFeature::AuthorizationFeature, Lithic::Models::AuthRules::RuleFeature::AuthenticationFeature, Lithic::Models::AuthRules::RuleFeature::TokenizationFeature, Lithic::Models::AuthRules::RuleFeature::ACHReceiptFeature, Lithic::Models::AuthRules::RuleFeature::CardFeature, Lithic::Models::AuthRules::RuleFeature::AccountHolderFeature, Lithic::Models::AuthRules::RuleFeature::IPMetadataFeature, Lithic::Models::AuthRules::RuleFeature::SpendVelocityFeature>]
+        #   @return [Array<Lithic::Models::AuthRules::RuleFeature::AuthorizationFeature, Lithic::Models::AuthRules::RuleFeature::AuthenticationFeature, Lithic::Models::AuthRules::RuleFeature::TokenizationFeature, Lithic::Models::AuthRules::RuleFeature::ACHReceiptFeature, Lithic::Models::AuthRules::RuleFeature::CardFeature, Lithic::Models::AuthRules::RuleFeature::AccountHolderFeature, Lithic::Models::AuthRules::RuleFeature::IPMetadataFeature, Lithic::Models::AuthRules::RuleFeature::SpendVelocityFeature, Lithic::Models::AuthRules::RuleFeature::TransactionHistorySignalsFeature>]
         required :features, -> { Lithic::Internal::Type::ArrayOf[union: Lithic::AuthRules::RuleFeature] }
 
         # @!method initialize(code:, features:)
@@ -26,7 +26,7 @@ module Lithic
         #
         #   @param code [String] The TypeScript source code of the rule. Must define a `rule()` function that acc
         #
-        #   @param features [Array<Lithic::Models::AuthRules::RuleFeature::AuthorizationFeature, Lithic::Models::AuthRules::RuleFeature::AuthenticationFeature, Lithic::Models::AuthRules::RuleFeature::TokenizationFeature, Lithic::Models::AuthRules::RuleFeature::ACHReceiptFeature, Lithic::Models::AuthRules::RuleFeature::CardFeature, Lithic::Models::AuthRules::RuleFeature::AccountHolderFeature, Lithic::Models::AuthRules::RuleFeature::IPMetadataFeature, Lithic::Models::AuthRules::RuleFeature::SpendVelocityFeature>] Features available to the TypeScript code at evaluation time
+        #   @param features [Array<Lithic::Models::AuthRules::RuleFeature::AuthorizationFeature, Lithic::Models::AuthRules::RuleFeature::AuthenticationFeature, Lithic::Models::AuthRules::RuleFeature::TokenizationFeature, Lithic::Models::AuthRules::RuleFeature::ACHReceiptFeature, Lithic::Models::AuthRules::RuleFeature::CardFeature, Lithic::Models::AuthRules::RuleFeature::AccountHolderFeature, Lithic::Models::AuthRules::RuleFeature::IPMetadataFeature, Lithic::Models::AuthRules::RuleFeature::SpendVelocityFeature, Lithic::Models::AuthRules::RuleFeature::TransactionHistorySignalsFeature>] Features available to the TypeScript code at evaluation time
       end
     end
   end

data/lib/lithic/models/card_authorization_challenge_response_webhook_event.rb

@@ -0,0 +1,103 @@
+# frozen_string_literal: true
+
+module Lithic
+  module Models
+    class CardAuthorizationChallengeResponseWebhookEvent < Lithic::Internal::Type::BaseModel
+      # @!attribute card_token
+      #   The token of the card associated with the challenge
+      #
+      #   @return [String, nil]
+      required :card_token, String, nil?: true
+
+      # @!attribute challenge_method
+      #   The method used to deliver the challenge to the cardholder
+      #
+      #   @return [Symbol, Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent::ChallengeMethod]
+      required :challenge_method,
+               enum: -> { Lithic::CardAuthorizationChallengeResponseWebhookEvent::ChallengeMethod }
+
+      # @!attribute completed
+      #   The timestamp of when the challenge was completed
+      #
+      #   @return [Time, nil]
+      required :completed, Time, nil?: true
+
+      # @!attribute created
+      #   The timestamp of when the challenge was created
+      #
+      #   @return [Time]
+      required :created, Time
+
+      # @!attribute event_token
+      #   Globally unique identifier for the event
+      #
+      #   @return [String]
+      required :event_token, String
+
+      # @!attribute event_type
+      #   Event type
+      #
+      #   @return [Symbol, :"card_authorization.challenge_response"]
+      required :event_type, const: :"card_authorization.challenge_response"
+
+      # @!attribute response
+      #   The cardholder's response to the challenge
+      #
+      #   @return [Symbol, Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent::Response]
+      required :response, enum: -> { Lithic::CardAuthorizationChallengeResponseWebhookEvent::Response }
+
+      # @!attribute transaction_token
+      #   The token of the transaction associated with the authorization event being
+      #   challenged
+      #
+      #   @return [String, nil]
+      required :transaction_token, String, nil?: true
+
+      # @!method initialize(card_token:, challenge_method:, completed:, created:, event_token:, response:, transaction_token:, event_type: :"card_authorization.challenge_response")
+      #   Some parameter documentations has been truncated, see
+      #   {Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent} for more
+      #   details.
+      #
+      #   @param card_token [String, nil] The token of the card associated with the challenge
+      #
+      #   @param challenge_method [Symbol, Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent::ChallengeMethod] The method used to deliver the challenge to the cardholder
+      #
+      #   @param completed [Time, nil] The timestamp of when the challenge was completed
+      #
+      #   @param created [Time] The timestamp of when the challenge was created
+      #
+      #   @param event_token [String] Globally unique identifier for the event
+      #
+      #   @param response [Symbol, Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent::Response] The cardholder's response to the challenge
+      #
+      #   @param transaction_token [String, nil] The token of the transaction associated with the authorization event being chall
+      #
+      #   @param event_type [Symbol, :"card_authorization.challenge_response"] Event type
+
+      # The method used to deliver the challenge to the cardholder
+      #
+      # @see Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent#challenge_method
+      module ChallengeMethod
+        extend Lithic::Internal::Type::Enum
+
+        SMS = :SMS
+
+        # @!method self.values
+        #   @return [Array<Symbol>]
+      end
+
+      # The cardholder's response to the challenge
+      #
+      # @see Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent#response
+      module Response
+        extend Lithic::Internal::Type::Enum
+
+        APPROVE = :APPROVE
+        DECLINE = :DECLINE
+
+        # @!method self.values
+        #   @return [Array<Symbol>]
+      end
+    end
+  end
+end

data/lib/lithic/models/event.rb

@@ -33,6 +33,8 @@ module Lithic
       #     created.
       #   - book_transfer_transaction.updated: Occurs when a book transfer transaction is
       #     updated.
+      #   - card_authorization.challenge_response: Occurs when a cardholder responds to an
+      #     SMS challenge during card authorization.
       #   - card_transaction.enhanced_data.created: Occurs when L2/L3 enhanced commercial
       #     data is processed for a transaction event.
       #   - card_transaction.enhanced_data.updated: Occurs when L2/L3 enhanced commercial
@@ -154,6 +156,8 @@ module Lithic
       #   created.
       # - book_transfer_transaction.updated: Occurs when a book transfer transaction is
       #   updated.
+      # - card_authorization.challenge_response: Occurs when a cardholder responds to an
+      #   SMS challenge during card authorization.
       # - card_transaction.enhanced_data.created: Occurs when L2/L3 enhanced commercial
       #   data is processed for a transaction event.
       # - card_transaction.enhanced_data.updated: Occurs when L2/L3 enhanced commercial
@@ -251,6 +255,7 @@ module Lithic
         BALANCE_UPDATED = :"balance.updated"
         BOOK_TRANSFER_TRANSACTION_CREATED = :"book_transfer_transaction.created"
         BOOK_TRANSFER_TRANSACTION_UPDATED = :"book_transfer_transaction.updated"
+        CARD_AUTHORIZATION_CHALLENGE_RESPONSE = :"card_authorization.challenge_response"
         CARD_TRANSACTION_ENHANCED_DATA_CREATED = :"card_transaction.enhanced_data.created"
         CARD_TRANSACTION_ENHANCED_DATA_UPDATED = :"card_transaction.enhanced_data.updated"
         CARD_TRANSACTION_UPDATED = :"card_transaction.updated"

data/lib/lithic/models/event_list_params.rb

@@ -87,6 +87,8 @@ module Lithic
       #   created.
       # - book_transfer_transaction.updated: Occurs when a book transfer transaction is
       #   updated.
+      # - card_authorization.challenge_response: Occurs when a cardholder responds to an
+      #   SMS challenge during card authorization.
       # - card_transaction.enhanced_data.created: Occurs when L2/L3 enhanced commercial
       #   data is processed for a transaction event.
       # - card_transaction.enhanced_data.updated: Occurs when L2/L3 enhanced commercial
@@ -182,6 +184,7 @@ module Lithic
         BALANCE_UPDATED = :"balance.updated"
         BOOK_TRANSFER_TRANSACTION_CREATED = :"book_transfer_transaction.created"
         BOOK_TRANSFER_TRANSACTION_UPDATED = :"book_transfer_transaction.updated"
+        CARD_AUTHORIZATION_CHALLENGE_RESPONSE = :"card_authorization.challenge_response"
         CARD_TRANSACTION_ENHANCED_DATA_CREATED = :"card_transaction.enhanced_data.created"
         CARD_TRANSACTION_ENHANCED_DATA_UPDATED = :"card_transaction.enhanced_data.updated"
         CARD_TRANSACTION_UPDATED = :"card_transaction.updated"

data/lib/lithic/models/event_subscription.rb

@@ -60,6 +60,8 @@ module Lithic
       #   created.
       # - book_transfer_transaction.updated: Occurs when a book transfer transaction is
       #   updated.
+      # - card_authorization.challenge_response: Occurs when a cardholder responds to an
+      #   SMS challenge during card authorization.
       # - card_transaction.enhanced_data.created: Occurs when L2/L3 enhanced commercial
       #   data is processed for a transaction event.
       # - card_transaction.enhanced_data.updated: Occurs when L2/L3 enhanced commercial
@@ -155,6 +157,7 @@ module Lithic
         BALANCE_UPDATED = :"balance.updated"
         BOOK_TRANSFER_TRANSACTION_CREATED = :"book_transfer_transaction.created"
         BOOK_TRANSFER_TRANSACTION_UPDATED = :"book_transfer_transaction.updated"
+        CARD_AUTHORIZATION_CHALLENGE_RESPONSE = :"card_authorization.challenge_response"
         CARD_TRANSACTION_ENHANCED_DATA_CREATED = :"card_transaction.enhanced_data.created"
         CARD_TRANSACTION_ENHANCED_DATA_UPDATED = :"card_transaction.enhanced_data.updated"
         CARD_TRANSACTION_UPDATED = :"card_transaction.updated"

data/lib/lithic/models/events/subscription_create_params.rb

@@ -62,6 +62,8 @@ module Lithic
         #   created.
         # - book_transfer_transaction.updated: Occurs when a book transfer transaction is
         #   updated.
+        # - card_authorization.challenge_response: Occurs when a cardholder responds to an
+        #   SMS challenge during card authorization.
         # - card_transaction.enhanced_data.created: Occurs when L2/L3 enhanced commercial
         #   data is processed for a transaction event.
         # - card_transaction.enhanced_data.updated: Occurs when L2/L3 enhanced commercial
@@ -157,6 +159,7 @@ module Lithic
           BALANCE_UPDATED = :"balance.updated"
           BOOK_TRANSFER_TRANSACTION_CREATED = :"book_transfer_transaction.created"
           BOOK_TRANSFER_TRANSACTION_UPDATED = :"book_transfer_transaction.updated"
+          CARD_AUTHORIZATION_CHALLENGE_RESPONSE = :"card_authorization.challenge_response"
           CARD_TRANSACTION_ENHANCED_DATA_CREATED = :"card_transaction.enhanced_data.created"
           CARD_TRANSACTION_ENHANCED_DATA_UPDATED = :"card_transaction.enhanced_data.updated"
           CARD_TRANSACTION_UPDATED = :"card_transaction.updated"

data/lib/lithic/models/events/subscription_send_simulated_example_params.rb

@@ -38,6 +38,7 @@ module Lithic
           BALANCE_UPDATED = :"balance.updated"
           BOOK_TRANSFER_TRANSACTION_CREATED = :"book_transfer_transaction.created"
           BOOK_TRANSFER_TRANSACTION_UPDATED = :"book_transfer_transaction.updated"
+          CARD_AUTHORIZATION_CHALLENGE_RESPONSE = :"card_authorization.challenge_response"
           CARD_TRANSACTION_ENHANCED_DATA_CREATED = :"card_transaction.enhanced_data.created"
           CARD_TRANSACTION_ENHANCED_DATA_UPDATED = :"card_transaction.enhanced_data.updated"
           CARD_TRANSACTION_UPDATED = :"card_transaction.updated"

data/lib/lithic/models/events/subscription_update_params.rb

@@ -69,6 +69,8 @@ module Lithic
         #   created.
         # - book_transfer_transaction.updated: Occurs when a book transfer transaction is
         #   updated.
+        # - card_authorization.challenge_response: Occurs when a cardholder responds to an
+        #   SMS challenge during card authorization.
         # - card_transaction.enhanced_data.created: Occurs when L2/L3 enhanced commercial
         #   data is processed for a transaction event.
         # - card_transaction.enhanced_data.updated: Occurs when L2/L3 enhanced commercial
@@ -164,6 +166,7 @@ module Lithic
           BALANCE_UPDATED = :"balance.updated"
           BOOK_TRANSFER_TRANSACTION_CREATED = :"book_transfer_transaction.created"
           BOOK_TRANSFER_TRANSACTION_UPDATED = :"book_transfer_transaction.updated"
+          CARD_AUTHORIZATION_CHALLENGE_RESPONSE = :"card_authorization.challenge_response"
           CARD_TRANSACTION_ENHANCED_DATA_CREATED = :"card_transaction.enhanced_data.created"
           CARD_TRANSACTION_ENHANCED_DATA_UPDATED = :"card_transaction.enhanced_data.updated"
           CARD_TRANSACTION_UPDATED = :"card_transaction.updated"

data/lib/lithic/models/external_bank_account_set_verification_method_params.rb

@@ -0,0 +1,55 @@
+# frozen_string_literal: true
+
+module Lithic
+  module Models
+    # @see Lithic::Resources::ExternalBankAccounts#set_verification_method
+    class ExternalBankAccountSetVerificationMethodParams < Lithic::Internal::Type::BaseModel
+      extend Lithic::Internal::Type::RequestParameters::Converter
+      include Lithic::Internal::Type::RequestParameters
+
+      # @!attribute external_bank_account_token
+      #
+      #   @return [String]
+      required :external_bank_account_token, String
+
+      # @!attribute verification_method
+      #   The verification method to set for the external bank account
+      #
+      #   @return [Symbol, Lithic::Models::ExternalBankAccountSetVerificationMethodParams::VerificationMethod]
+      required :verification_method,
+               enum: -> { Lithic::ExternalBankAccountSetVerificationMethodParams::VerificationMethod }
+
+      # @!attribute financial_account_token
+      #   The financial account token of the operating account to fund the micro deposits.
+      #   Required when verification_method is MICRO_DEPOSIT or PRENOTE.
+      #
+      #   @return [String, nil]
+      optional :financial_account_token, String
+
+      # @!method initialize(external_bank_account_token:, verification_method:, financial_account_token: nil, request_options: {})
+      #   Some parameter documentations has been truncated, see
+      #   {Lithic::Models::ExternalBankAccountSetVerificationMethodParams} for more
+      #   details.
+      #
+      #   @param external_bank_account_token [String]
+      #
+      #   @param verification_method [Symbol, Lithic::Models::ExternalBankAccountSetVerificationMethodParams::VerificationMethod] The verification method to set for the external bank account
+      #
+      #   @param financial_account_token [String] The financial account token of the operating account to fund the micro deposits.
+      #
+      #   @param request_options [Lithic::RequestOptions, Hash{Symbol=>Object}]
+
+      # The verification method to set for the external bank account
+      module VerificationMethod
+        extend Lithic::Internal::Type::Enum
+
+        MICRO_DEPOSIT = :MICRO_DEPOSIT
+        PRENOTE = :PRENOTE
+        EXTERNALLY_VERIFIED = :EXTERNALLY_VERIFIED
+
+        # @!method self.values
+        #   @return [Array<Symbol>]
+      end
+    end
+  end
+end

data/lib/lithic/models/parsed_webhook_event.rb

@@ -23,6 +23,8 @@ module Lithic
 
       variant -> { Lithic::CardAuthorizationApprovalRequestWebhookEvent }
 
+      variant -> { Lithic::CardAuthorizationChallengeResponseWebhookEvent }
+
       variant -> { Lithic::AuthRulesBacktestReportCreatedWebhookEvent }
 
       variant -> { Lithic::BalanceUpdatedWebhookEvent }
@@ -811,7 +813,7 @@ module Lithic
       end
 
       # @!method self.variants
-      #   @return [Array(Lithic::Models::AccountHolderCreatedWebhookEvent, Lithic::Models::ParsedWebhookEvent::KYBPayload, Lithic::Models::ParsedWebhookEvent::KYCPayload, Lithic::Models::ParsedWebhookEvent::LegacyPayload, Lithic::Models::AccountHolderVerificationWebhookEvent, Lithic::Models::AccountHolderDocumentUpdatedWebhookEvent, Lithic::Models::CardAuthorizationApprovalRequestWebhookEvent, Lithic::Models::AuthRulesBacktestReportCreatedWebhookEvent, Lithic::Models::BalanceUpdatedWebhookEvent, Lithic::Models::BookTransferTransactionCreatedWebhookEvent, Lithic::Models::BookTransferTransactionUpdatedWebhookEvent, Lithic::Models::CardCreatedWebhookEvent, Lithic::Models::CardConvertedWebhookEvent, Lithic::Models::CardRenewedWebhookEvent, Lithic::Models::CardReissuedWebhookEvent, Lithic::Models::CardShippedWebhookEvent, Lithic::Models::CardUpdatedWebhookEvent, Lithic::Models::CardTransactionUpdatedWebhookEvent, Lithic::Models::CardTransactionEnhancedDataCreatedWebhookEvent, Lithic::Models::CardTransactionEnhancedDataUpdatedWebhookEvent, Lithic::Models::DigitalWalletTokenizationApprovalRequestWebhookEvent, Lithic::Models::DigitalWalletTokenizationResultWebhookEvent, Lithic::Models::DigitalWalletTokenizationTwoFactorAuthenticationCodeWebhookEvent, Lithic::Models::DigitalWalletTokenizationTwoFactorAuthenticationCodeSentWebhookEvent, Lithic::Models::DigitalWalletTokenizationUpdatedWebhookEvent, Lithic::Models::DisputeUpdatedWebhookEvent, Lithic::Models::DisputeEvidenceUploadFailedWebhookEvent, Lithic::Models::ExternalBankAccountCreatedWebhookEvent, Lithic::Models::ExternalBankAccountUpdatedWebhookEvent, Lithic::Models::ExternalPaymentCreatedWebhookEvent, Lithic::Models::ExternalPaymentUpdatedWebhookEvent, Lithic::Models::FinancialAccountCreatedWebhookEvent, Lithic::Models::FinancialAccountUpdatedWebhookEvent, Lithic::Models::FundingEventCreatedWebhookEvent, Lithic::Models::LoanTapeCreatedWebhookEvent, Lithic::Models::LoanTapeUpdatedWebhookEvent, Lithic::Models::ManagementOperationCreatedWebhookEvent, Lithic::Models::ManagementOperationUpdatedWebhookEvent, Lithic::Models::InternalTransactionCreatedWebhookEvent, Lithic::Models::InternalTransactionUpdatedWebhookEvent, Lithic::Models::NetworkTotalCreatedWebhookEvent, Lithic::Models::NetworkTotalUpdatedWebhookEvent, Lithic::Models::PaymentTransactionCreatedWebhookEvent, Lithic::Models::PaymentTransactionUpdatedWebhookEvent, Lithic::Models::SettlementReportUpdatedWebhookEvent, Lithic::Models::StatementsCreatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationCreatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationUpdatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationChallengeWebhookEvent, Lithic::Models::TokenizationApprovalRequestWebhookEvent, Lithic::Models::TokenizationResultWebhookEvent, Lithic::Models::TokenizationTwoFactorAuthenticationCodeWebhookEvent, Lithic::Models::TokenizationTwoFactorAuthenticationCodeSentWebhookEvent, Lithic::Models::TokenizationUpdatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationApprovalRequestWebhookEvent, Lithic::Models::DisputeTransactionCreatedWebhookEvent, Lithic::Models::DisputeTransactionUpdatedWebhookEvent)]
+      #   @return [Array(Lithic::Models::AccountHolderCreatedWebhookEvent, Lithic::Models::ParsedWebhookEvent::KYBPayload, Lithic::Models::ParsedWebhookEvent::KYCPayload, Lithic::Models::ParsedWebhookEvent::LegacyPayload, Lithic::Models::AccountHolderVerificationWebhookEvent, Lithic::Models::AccountHolderDocumentUpdatedWebhookEvent, Lithic::Models::CardAuthorizationApprovalRequestWebhookEvent, Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent, Lithic::Models::AuthRulesBacktestReportCreatedWebhookEvent, Lithic::Models::BalanceUpdatedWebhookEvent, Lithic::Models::BookTransferTransactionCreatedWebhookEvent, Lithic::Models::BookTransferTransactionUpdatedWebhookEvent, Lithic::Models::CardCreatedWebhookEvent, Lithic::Models::CardConvertedWebhookEvent, Lithic::Models::CardRenewedWebhookEvent, Lithic::Models::CardReissuedWebhookEvent, Lithic::Models::CardShippedWebhookEvent, Lithic::Models::CardUpdatedWebhookEvent, Lithic::Models::CardTransactionUpdatedWebhookEvent, Lithic::Models::CardTransactionEnhancedDataCreatedWebhookEvent, Lithic::Models::CardTransactionEnhancedDataUpdatedWebhookEvent, Lithic::Models::DigitalWalletTokenizationApprovalRequestWebhookEvent, Lithic::Models::DigitalWalletTokenizationResultWebhookEvent, Lithic::Models::DigitalWalletTokenizationTwoFactorAuthenticationCodeWebhookEvent, Lithic::Models::DigitalWalletTokenizationTwoFactorAuthenticationCodeSentWebhookEvent, Lithic::Models::DigitalWalletTokenizationUpdatedWebhookEvent, Lithic::Models::DisputeUpdatedWebhookEvent, Lithic::Models::DisputeEvidenceUploadFailedWebhookEvent, Lithic::Models::ExternalBankAccountCreatedWebhookEvent, Lithic::Models::ExternalBankAccountUpdatedWebhookEvent, Lithic::Models::ExternalPaymentCreatedWebhookEvent, Lithic::Models::ExternalPaymentUpdatedWebhookEvent, Lithic::Models::FinancialAccountCreatedWebhookEvent, Lithic::Models::FinancialAccountUpdatedWebhookEvent, Lithic::Models::FundingEventCreatedWebhookEvent, Lithic::Models::LoanTapeCreatedWebhookEvent, Lithic::Models::LoanTapeUpdatedWebhookEvent, Lithic::Models::ManagementOperationCreatedWebhookEvent, Lithic::Models::ManagementOperationUpdatedWebhookEvent, Lithic::Models::InternalTransactionCreatedWebhookEvent, Lithic::Models::InternalTransactionUpdatedWebhookEvent, Lithic::Models::NetworkTotalCreatedWebhookEvent, Lithic::Models::NetworkTotalUpdatedWebhookEvent, Lithic::Models::PaymentTransactionCreatedWebhookEvent, Lithic::Models::PaymentTransactionUpdatedWebhookEvent, Lithic::Models::SettlementReportUpdatedWebhookEvent, Lithic::Models::StatementsCreatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationCreatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationUpdatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationChallengeWebhookEvent, Lithic::Models::TokenizationApprovalRequestWebhookEvent, Lithic::Models::TokenizationResultWebhookEvent, Lithic::Models::TokenizationTwoFactorAuthenticationCodeWebhookEvent, Lithic::Models::TokenizationTwoFactorAuthenticationCodeSentWebhookEvent, Lithic::Models::TokenizationUpdatedWebhookEvent, Lithic::Models::ThreeDSAuthenticationApprovalRequestWebhookEvent, Lithic::Models::DisputeTransactionCreatedWebhookEvent, Lithic::Models::DisputeTransactionUpdatedWebhookEvent)]
     end
   end
 end

data/lib/lithic/models.rb

@@ -131,6 +131,9 @@ module Lithic
   CardAuthorizationApprovalRequestWebhookEvent =
     Lithic::Models::CardAuthorizationApprovalRequestWebhookEvent
 
+  CardAuthorizationChallengeResponseWebhookEvent =
+    Lithic::Models::CardAuthorizationChallengeResponseWebhookEvent
+
   CardBulkOrder = Lithic::Models::CardBulkOrder
 
   CardBulkOrderCreateParams = Lithic::Models::CardBulkOrderCreateParams
@@ -297,6 +300,9 @@ module Lithic
 
   ExternalBankAccounts = Lithic::Models::ExternalBankAccounts
 
+  ExternalBankAccountSetVerificationMethodParams =
+    Lithic::Models::ExternalBankAccountSetVerificationMethodParams
+
   ExternalBankAccountUnpauseParams = Lithic::Models::ExternalBankAccountUnpauseParams
 
   ExternalBankAccountUpdatedWebhookEvent = Lithic::Models::ExternalBankAccountUpdatedWebhookEvent