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OpenAPI Specification

openapi: 3.2.0
info:
  title: Lithic External Bank Account API
  description: The Lithic API is a card issuing and issuer-processor platform for issuing virtual and physical cards, authorizing and clearing transactions, moving money across ledgered financial accounts, and managing the full card lifecycle - KYC/KYB account holder onboarding, authorization rules and real-time Auth Stream Access (ASA) decisioning, disputes, tokenization into digital wallets, 3DS authentication, ACH payments, book transfers, external payments, settlement reporting, and fraud/transaction…
  version: 1.0.0
  contact:
    name: Lithic
    url: https://www.lithic.com
  license:
    name: Apache 2.0
    url: https://www.apache.org/licenses/LICENSE-2.0.txt
servers:
- url: https://api.lithic.com
  description: Production
- url: https://sandbox.lithic.com
  description: Sandbox (mirrors production functionality)
security:
- ApiKeyAuth: []
tags:
- name: External Bank Account
  description: External bank accounts used for ACH payments, with prenote and micro-deposit verification.
paths:
  /v1/external_bank_accounts:
    get:
      operationId: searchExternalBankAccounts
      tags:
      - External Bank Account
      summary: List external bank accounts
      description: List all the external bank accounts for the provided search criteria.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
    post:
      operationId: createExternalBankAccount
      tags:
      - External Bank Account
      summary: Create external bank account
      description: Creates an external bank account within a program or Lithic account.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}:
    get:
      operationId: getExternalBankAccountByToken
      tags:
      - External Bank Account
      summary: Get external bank account by token
      description: Get the external bank account by token.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
    patch:
      operationId: patchExternalBankAccountByToken
      tags:
      - External Bank Account
      summary: Update external bank account
      description: Update the external bank account by token.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/micro_deposits:
    post:
      operationId: verifyExternalBankAccountByMicroDeposits
      tags:
      - External Bank Account
      summary: Verify external bank account via micro deposit amounts
      description: Verify the external bank account by providing the micro deposit amounts.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/pause:
    post:
      operationId: pauseExternalBankAccount
      tags:
      - External Bank Account
      summary: Pause external bank account
      description: Pause an external bank account
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/retry_micro_deposits:
    post:
      operationId: retryMicroDeposit
      tags:
      - External Bank Account
      summary: Retry external bank account via micro deposit
      description: Retry external bank account micro deposit verification.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/retry_prenote:
    post:
      operationId: retryPrenote
      tags:
      - External Bank Account
      summary: Retry external bank account via prenote
      description: Retry external bank account prenote verification.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/set_verification_method:
    post:
      operationId: setVerificationMethod
      tags:
      - External Bank Account
      summary: Set verification method
      description: Update the verification method for an external bank account. Verification method can only be updated if the `verification_state` is `PENDING`.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/unpause:
    post:
      operationId: unpauseExternalBankAccount
      tags:
      - External Bank Account
      summary: Unpause external bank account
      description: Unpause an external bank account
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
components:
  responses:
    Unauthorized:
      description: Missing or invalid API key.
    ValidationError:
      description: The request failed validation.
  schemas:
    ExternalBankAccount:
      type: object
      description: External bank accounts used for ACH payments, with prenote and micro-deposit verification.
      properties:
        token:
          type: string
          format: uuid
          description: Globally unique identifier for the object.
        created:
          type: string
          format: date-time
      additionalProperties: true
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: Authorization
      description: Raw API secret key value (not prefixed with "Bearer").