The pam library's documentation of the callback function is a little ambiguous but here it is - the answer is that sometimes it's an array of structs but maybe its an array of struct pointers.

The PAM library uses an application-defined callback to allow a direct communication between a loaded module and the application. This callback is specified by the struct pam_conv passed to pam_start(3) at the start of the transaction.

When a module calls the referenced conv() function, the argument appdata_ptr is set to the second element of this structure.

The other arguments of a call to conv() concern the information exchanged by module and application. That is to say, num_msg holds the length of the array of pointers, msg. After a successful return, the pointer resp points to an array of pam_response structures, holding the application supplied text. The resp_retcode member of this struct is unused and should be set to zero. It is the caller's responsibility to release both, this array and the responses themselves, using free(3). Note, *resp is a struct pam_response array and not an array of pointers.

The number of responses is always equal to the num_msg conversation function argument. This does require that the response array is free(3)'d after every call to the conversation function. The index of the responses corresponds directly to the prompt index in the pam_message array.

On failure, the conversation function should release any resources it has allocated, and return one of the predefined PAM error codes.