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OpenAPI Specification

openapi: 3.2.0
info:
  title: Lithic Payment 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: Payment
  description: ACH payments between Lithic financial accounts and external bank accounts.
paths:
  /v1/payments:
    get:
      operationId: searchPayments
      tags:
      - Payment
      summary: List payments
      description: List all the payments for the provided search criteria.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
    post:
      operationId: createPayment
      tags:
      - Payment
      summary: Create payment
      description: Initiates a payment between a financial account and an external bank account.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/payments/{payment_token}:
    get:
      operationId: getPaymentByToken
      tags:
      - Payment
      summary: Get payment by token
      description: Get the payment by token.
      parameters:
      - name: payment_token
        in: path
        required: true
        description: The token identifying the payment_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/payments/{payment_token}/retry:
    post:
      operationId: retryPayment
      tags:
      - Payment
      summary: Retry payment
      description: Retry an origination which has been returned.
      parameters:
      - name: payment_token
        in: path
        required: true
        description: The token identifying the payment_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/payments/{payment_token}/return:
    post:
      operationId: returnPayment
      tags:
      - Payment
      summary: Return payment
      description: Return an ACH payment with a specified return reason code. Returns must be initiated within the time window specified by NACHA rules for each return code (typically 2 banking days for most codes, 60 calendar days for unauthorized debits). For a complete list of return codes and their meanings, see t
      parameters:
      - name: payment_token
        in: path
        required: true
        description: The token identifying the payment_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/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/simulate/payments/receipt:
    post:
      operationId: simulatePaymentsReceipt
      tags:
      - Payment
      summary: Simulate receipt
      description: Simulates a receipt of a Payment.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/simulate/payments/release:
    post:
      operationId: simulatePaymentsRelease
      tags:
      - Payment
      summary: Simulate release payment
      description: Simulates a release of a Payment.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/simulate/payments/return:
    post:
      operationId: simulatePaymentsReturn
      tags:
      - Payment
      summary: Simulate return payment
      description: Simulates a return of a Payment.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/simulate/payments/{payment_token}/action:
    post:
      operationId: simulatePaymentAction
      tags:
      - Payment
      summary: Simulate payment lifecycle event
      parameters:
      - name: payment_token
        in: path
        required: true
        description: The token identifying the payment_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/Payment'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
components:
  responses:
    ValidationError:
      description: The request failed validation.
    Unauthorized:
      description: Missing or invalid API key.
  schemas:
    Payment:
      type: object
      description: ACH payments between Lithic financial accounts and external bank accounts.
      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").