Lithic
Lithic is a card issuing and issuer-processor API platform for building virtual and physical card programs - authorization, clearing, KYC/KYB account holder onboarding, programmable authorization rules, real-time Auth Stream Access (ASA) decisioning, disputes, digital wallet tokenization, 3DS authentication, ACH payments, ledgered financial accounts, and settlement reporting. Lithic publishes a full OpenAPI 3.1 specification (github.com/lithic-com/lithic-openapi) backing official Node, Python, Go, Java, and Kotlin SDKs, with a sandbox at sandbox.lithic.com that mirrors production functionality.
Lithic publishes 31 APIs on the APIs.io network, including 3DS API, Account API, Account Holder API, and 28 more. Tagged areas include Fintech, Card Issuing, Payments, Issuer Processor, and KYC.
The Lithic catalog on APIs.io includes 1 Spectral governance ruleset.
Lithic’s developer surface includes changelog, getting-started guide, authentication, documentation, engineering blog, and 15 more developer resources.
Kin Score
APIs 31
Individual APIs this provider publishes, each with its own machine-readable definition.
Lithic 3DS API
3D Secure e-commerce authentication and decisioning.
Lithic Account API
Top-level program accounts and their spend limits.
Lithic Account Holder API
KYC/KYB onboarding and management of individual and business account holders.
Lithic Auth Rules API
Programmable v2 authorization rules, versions, drafts, backtests, and evaluation results.
Lithic Auth Stream Access (ASA) API
Real-time HTTP webhook authorization decisioning in the transaction path.
Lithic Balance API
Available and pending balances for financial accounts.
Lithic Book Transfer API
Internal ledger transfers between financial accounts.
Lithic Card API
Virtual and physical card issuance, lifecycle, and digital wallet provisioning.
Lithic Card Authorizations API
Responses to real-time authorization challenges.
Lithic Card Bulk Orders API
Bulk physical card ordering.
Lithic Chargeback API
Legacy v1 dispute (chargeback) submission and evidence.
Lithic Credit Product API
Credit product configuration, extended credit, and prime rates.
Lithic Event API
Events API and webhook event subscription management.
Lithic External Bank Account API
External bank accounts used for ACH payments, with prenote and micro-deposit verification.
Lithic External Payments API
Recording and reconciling payments that move outside of Lithic-initiated rails.
Lithic Financial Account API
Ledgered financial accounts, credit configuration, and account activity.
Lithic Fraud Report API
Fraud reporting on card transactions.
Lithic Funding Events API
Card program funding event reporting.
Lithic Hold API
Holds placed against financial account balances.
Lithic Managed Disputes API
v2 managed disputes (read surface for Lithic-managed dispute handling).
Lithic Management Operations API
Manual ledger adjustments and corrections.
Lithic Network Program API
Card network program metadata.
Lithic Payment API
ACH payments between Lithic financial accounts and external bank accounts.
Lithic Responder Endpoints API
Registration of HTTP endpoints that receive Auth Stream Access (ASA) requests.
Lithic Settlement Report API
Daily settlement detail, summary, and network total reporting.
Lithic Statements API
Financial account statements, line items, and loan tapes for credit products.
Lithic Status API
API status check.
Lithic Tokenization API
Digital wallet tokenization (Apple Pay / Google Pay / Samsung Pay) lifecycle and decisioning.
Lithic Transaction API
Card transaction authorization, clearing, and simulation.
Lithic Transaction Monitoring API
Fraud/AML case and queue management for flagged transactions.
Lithic Transfer Limits API
The Transfer Limits API from Lithic — 1 operation(s) for transfer limits.
Scroll for all 31
Open Collections 34
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
API Collection
OPEN COLLECTIONLithic 3DS API
OPEN COLLECTIONLithic 3DS Account API
OPEN COLLECTIONLithic 3DS Account Holder API
OPEN COLLECTIONLithic 3DS Auth Rules API
OPEN COLLECTIONLithic 3DS Auth Stream Access (ASA) API
OPEN COLLECTIONLithic 3DS Balance API
OPEN COLLECTIONLithic 3DS Book Transfer API
OPEN COLLECTIONLithic 3DS Card API
OPEN COLLECTIONLithic 3DS Card Authorizations API
OPEN COLLECTIONLithic 3DS Card Bulk Orders API
OPEN COLLECTIONLithic 3DS Chargeback API
OPEN COLLECTIONLithic 3DS Credit Product API
OPEN COLLECTIONLithic 3DS Event API
OPEN COLLECTIONLithic 3DS External Bank Account API
OPEN COLLECTIONLithic 3DS External Payments API
OPEN COLLECTIONLithic 3DS Financial Account API
OPEN COLLECTIONLithic 3DS Fraud Report API
OPEN COLLECTIONLithic 3DS Funding Events API
OPEN COLLECTIONLithic 3DS Hold API
OPEN COLLECTIONLithic 3DS Managed Disputes API
OPEN COLLECTIONLithic 3DS Management Operations API
OPEN COLLECTIONLithic 3DS Network Program API
OPEN COLLECTIONLithic 3DS Payment API
OPEN COLLECTIONLithic 3DS Responder Endpoints API
OPEN COLLECTIONLithic 3DS Settlement Report API
OPEN COLLECTIONLithic 3DS Statements API
OPEN COLLECTIONLithic 3DS Status API
OPEN COLLECTIONLithic 3DS Tokenization API
OPEN COLLECTIONLithic 3DS Transaction API
OPEN COLLECTIONLithic 3DS Transaction Monitoring API
OPEN COLLECTIONLithic 3DS Transfer Limits API
OPEN COLLECTIONLithic API
OPEN COLLECTIONLithic Developer API
OPEN COLLECTIONScroll for all 34
MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
Lithic MCP Server
MCP SERVERGraphQL 1
GraphQL schemas published by this provider.
Lithic GraphQL Schema
This document describes a conceptual GraphQL schema for the Lithic card-issuing and program-management platform. Lithic provides a REST API; this schema represents the same doma...
GRAPHQLPricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Lithic Com Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Lithic Com Finops
FINOPSSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Lithic API Rules
SPECTRALJSON Schema 396
Standalone JSON Schema definitions for this provider's data models.
Account Financial Account Type
JSON SCHEMAAccount Holder Created
JSON SCHEMAAccount Holder Document Updated
JSON SCHEMAAccount Holder
JSON SCHEMAAccount Holder Updated
JSON SCHEMAAccount Holder Verification
JSON SCHEMAAccount Standing
JSON SCHEMAAccount State
JSON SCHEMAAuth Rule Account Tokens
JSON SCHEMAAccount Type External
JSON SCHEMASearchable Account Type
JSON SCHEMAAccountConfiguration
JSON SCHEMAAccountHolder
JSON SCHEMAAccountHolderBusinessResponse
JSON SCHEMAAccountHolderIndividualResponse
JSON SCHEMAAccountHolderVerificationApplication
JSON SCHEMAAccountSpendLimits
JSON SCHEMAACH Action
JSON SCHEMAAchMethodAttributes
JSON SCHEMAaction_explanation
JSON SCHEMAAddress Match Result
JSON SCHEMAAddress
JSON SCHEMAAddress
JSON SCHEMAAmount Due
JSON SCHEMAAmount
JSON SCHEMAAmountTotals
JSON SCHEMAAppleWebPushProvisioningResponse
JSON SCHEMAasa_network_specific_data_mastercard
JSON SCHEMANetwork Specific Data
JSON SCHEMAasa_network_specific_data_visa
JSON SCHEMAPoint of Sale Terminal
JSON SCHEMAasa_request_card
JSON SCHEMAFleet Info
JSON SCHEMAasa_request_pos_entry_mode
JSON SCHEMAasa-request
JSON SCHEMAasa_request_status
JSON SCHEMAasa-response
JSON SCHEMAAuth Rule Feature State
JSON SCHEMAAuth Rule Name
JSON SCHEMAAuth Rule Parameters
JSON SCHEMAAuth Rule Result
JSON SCHEMAAuth Rule
JSON SCHEMAAuth Rule State
JSON SCHEMAAuth Rule Token
JSON SCHEMAAuth Rule Types
JSON SCHEMAAuth Rule Version
JSON SCHEMAAuth Rule Version
JSON SCHEMAAuth Rule Version State
JSON SCHEMAAuthentication (3DS) Action
JSON SCHEMA3DS Authentication object
JSON SCHEMAAuthorization Action
JSON SCHEMAAuto Collection Configuration Request
JSON SCHEMAAuto Collection Configuration Response
JSON SCHEMAAddress Verification Service
JSON SCHEMABacktest List Item
JSON SCHEMAAuth Rules Backtest Report
JSON SCHEMABacktest Request Parameters
JSON SCHEMAAuth Rules Backtest Results
JSON SCHEMABacktest Simulation Parameters
JSON SCHEMAAuth Rule Backtest Statistics
JSON SCHEMABacktest Status
JSON SCHEMAAuth Rule Backtest Token
JSON SCHEMABalance Details
JSON SCHEMAbalance
JSON SCHEMABalance Updated
JSON SCHEMABalances
JSON SCHEMABank Account Api Response
JSON SCHEMABank Account Api Response
JSON SCHEMABank Accounts Api Response
JSON SCHEMABank Verified Verification Methods
JSON SCHEMATransaction Response
JSON SCHEMAbase_transaction
JSON SCHEMAActivity Response
JSON SCHEMABook Transfer Category
JSON SCHEMABook Transfer Detailed Results
JSON SCHEMABook Transfer Event
JSON SCHEMABook Transfer Transaction Created
JSON SCHEMABook Transfer Transaction
JSON SCHEMABook Transfer Transaction Updated
JSON SCHEMABook Transfer Type
JSON SCHEMABulk Order Response
JSON SCHEMAAuth Rule Business Account Tokens
JSON SCHEMABusinessEntity
JSON SCHEMACard Authorization Challenge Response
JSON SCHEMACard Converted
JSON SCHEMACard Created
JSON SCHEMACard Reissued
JSON SCHEMACard Renewed
JSON SCHEMACard Shipped
JSON SCHEMAAuth Rule Card Tokens
JSON SCHEMACard Transaction Enhanced Data Created
JSON SCHEMACard Transaction Enhanced Data Updated
JSON SCHEMACard Transaction
JSON SCHEMACard Transaction Status Filter
JSON SCHEMACard Transaction Update Action
JSON SCHEMAcard-type
JSON SCHEMACard Updated
JSON SCHEMACardholder Authentication
JSON SCHEMACardholder Liability Event Data
JSON SCHEMACardProgram
JSON SCHEMACardSpendLimits
JSON SCHEMACarrier
JSON SCHEMACategory Balances
JSON SCHEMACategory Details
JSON SCHEMACategory Tier
JSON SCHEMA3DS Challenge webhook event
JSON SCHEMAChallenge Response object
JSON SCHEMAChallenge Response Unprocessable
JSON SCHEMA3DS Challenge object
JSON SCHEMACommonData
JSON SCHEMAConditional Action (3DS) Parameters
JSON SCHEMAConditional Action (ACH) Parameters
JSON SCHEMAConditional Block Parameters
JSON SCHEMAConditional Operation
JSON SCHEMAConditional Action (Tokenization) Parameters
JSON SCHEMAConditional Value
JSON SCHEMAConverted Amount
JSON SCHEMAAuth Rule Parameters
JSON SCHEMACreate Book Transfer Request
JSON SCHEMACreate Bulk Order Request
JSON SCHEMAAccount Holder Entity Create Request
JSON SCHEMAAccount Holder Entity Create Response
JSON SCHEMACreate External Bank Account Api Response
JSON SCHEMACreate External Payment Request
JSON SCHEMACreate Hold Request
JSON SCHEMACreate Management Operation Request
JSON SCHEMACreateFinancialAccountRequest
JSON SCHEMACreatePaymentRequest
JSON SCHEMACredit Details
JSON SCHEMACurrency
JSON SCHEMAAuth Rule Current Version
JSON SCHEMAcustomer-tokenization-decision
JSON SCHEMADebit Details
JSON SCHEMAResult of the transaction
JSON SCHEMADetailed Result
JSON SCHEMADetailed Results
JSON SCHEMAdevice
JSON SCHEMAdigital-wallet-token-metadata
JSON SCHEMAdigital-wallet-tokenization-approval-request
JSON SCHEMADigital Wallet Tokenization Result
JSON SCHEMADigital Wallet Tokenization Updated
JSON SCHEMADigitalCardArt
JSON SCHEMADirectional Limits
JSON SCHEMADispute Evidence
JSON SCHEMADispute Evidence Upload Failed
JSON SCHEMADispute
JSON SCHEMADispute Updated
JSON SCHEMADispute
JSON SCHEMADisputes Response
JSON SCHEMAAccount Holder KYC Document
JSON SCHEMAAccount Holder document types
JSON SCHEMAAccount holder document upload status
JSON SCHEMAAuth Rule Draft Version
JSON SCHEMAEnhancedData
JSON SCHEMAEnhancedDataListResponse
JSON SCHEMAAccount Holder Entity
JSON SCHEMAAccount Holder Entity Status
JSON SCHEMAAccount Holder Entity Type
JSON SCHEMAerror
JSON SCHEMAEvent
JSON SCHEMAEvent Stream Types
JSON SCHEMAevent_type
JSON SCHEMAEventSubscription
JSON SCHEMAAuth Rule Excluded Account Tokens
JSON SCHEMAAuth Rule Excluded Business Account Tokens
JSON SCHEMAAuth Rule Excluded Card Tokens
JSON SCHEMAExtended Credit
JSON SCHEMAExternal Bank Account Address
JSON SCHEMAExternal Payment Action Request
JSON SCHEMAExternal Payment Category
JSON SCHEMAExternal Payment Direction
JSON SCHEMAExternal Payment Event
JSON SCHEMAExternal Payment Event Type
JSON SCHEMAExternal Payment Progress To
JSON SCHEMAExternal Payment Response
JSON SCHEMAExternal Payments Response
JSON SCHEMAExternalResource
JSON SCHEMAExternalResourceType
JSON SCHEMAExternally Verified Verification Methods
JSON SCHEMAFinancial Account Balance
JSON SCHEMAFinancial Account Credit Config
JSON SCHEMAFinancial Account Response
JSON SCHEMAFinancial Account State
JSON SCHEMAFinancial Account Status
JSON SCHEMAFinancial Account Substatus
JSON SCHEMAfinancial-account-transaction
JSON SCHEMAFinancial Accounts Response
JSON SCHEMAFinancial Event Data
JSON SCHEMAFinancial Event
JSON SCHEMAFinancial Event Type
JSON SCHEMAFinancial Transaction
JSON SCHEMAFleet
JSON SCHEMAFraud Report Parameters
JSON SCHEMAFraud Report Response
JSON SCHEMAFuelData
JSON SCHEMAFuelType
JSON SCHEMAFuelUnitOfMeasure
JSON SCHEMAfunding_account
JSON SCHEMAFunding Event Details Response
JSON SCHEMAFunding Event Response
JSON SCHEMAFunding Event Responses
JSON SCHEMAFunding Event Settlement
JSON SCHEMAFunding Event Webhook
JSON SCHEMAGoogleWebPushProvisioningResponse
JSON SCHEMAHold Event
JSON SCHEMAHold Event Type
JSON SCHEMAHold Status
JSON SCHEMAHold Transaction
JSON SCHEMAHolds Response
JSON SCHEMAIndividual
JSON SCHEMAIndividual
JSON SCHEMAInstance Financial Account Type
JSON SCHEMAInterest Calculation method
JSON SCHEMAInterest Details
JSON SCHEMAInterest Rate
JSON SCHEMAInternal Adjustment Event
JSON SCHEMAInternal Adjustment Transaction
JSON SCHEMAKYB Business Entity
JSON SCHEMAKYB Business Entity
JSON SCHEMAKYB Individual
JSON SCHEMABusiness/Individual Patch Response
JSON SCHEMABusiness Patch Request
JSON SCHEMAKyb
JSON SCHEMAKybDelegated
JSON SCHEMAKybDelegatedBusinessEntity
JSON SCHEMAKybDelegatedIndividual
JSON SCHEMAKybIndividual
JSON SCHEMAIndividual Patch Request
JSON SCHEMAKyc
JSON SCHEMAKycExempt
JSON SCHEMAKycIndividual
JSON SCHEMALiability Allocation
JSON SCHEMALimit With Progress
JSON SCHEMALineItem
JSON SCHEMAList Transactions Response
JSON SCHEMALoan Tape Configuration
JSON SCHEMALoan Tape Rebuild Configuration
JSON SCHEMALoan Tape Response
JSON SCHEMALoan Tapes Response
JSON SCHEMAManagement Operation Action Request
JSON SCHEMAManagement Operation Category
JSON SCHEMAManagement Operation Direction
JSON SCHEMAManagement Operation Event
JSON SCHEMAManagement Operation Event Type
JSON SCHEMAManagement Operation Transaction
JSON SCHEMAManagement Operation Transactions Response
JSON SCHEMAMastercard Network Specific Data
JSON SCHEMAMerchant Currency
JSON SCHEMAMerchant Lock Inputs
JSON SCHEMAMerchant
JSON SCHEMAMessageAttempt
JSON SCHEMAMicro Deposit Verification Request
JSON SCHEMANetwork Information
JSON SCHEMANetwork Risk Score
JSON SCHEMANetwork Specific Data
JSON SCHEMANetwork Total
JSON SCHEMANetwork Totals Response
JSON SCHEMANetworkProgram
JSON SCHEMAnon_pci_card_response
JSON SCHEMAOn Closed Account
JSON SCHEMAOwner Type
JSON SCHEMAAuth Rule Patch Request
JSON SCHEMALegacy Patch Request
JSON SCHEMALegacy Patch Response
JSON SCHEMAPayment Allocation
JSON SCHEMAPayment Details
JSON SCHEMAPayment Event
JSON SCHEMAPayment Event Type
JSON SCHEMAPayment Return Request
JSON SCHEMAPayment Transaction Created
JSON SCHEMAPayment Transaction
JSON SCHEMAPayment Transaction Updated
JSON SCHEMAPaymentMethodRequestAttributes
JSON SCHEMAPayoff Details
JSON SCHEMApci_card_response
JSON SCHEMAAuth Rule Performance Report V2
JSON SCHEMAPeriod State
JSON SCHEMAPoint of Sale Entry Mode
JSON SCHEMAPoint of Sale
JSON SCHEMAPoint of Sale Terminal
JSON SCHEMAPostPaymentResponse
JSON SCHEMAPrime Rates Response
JSON SCHEMAAuth Rule Program Level Parameter
JSON SCHEMARegister Account Number Request
JSON SCHEMARelated Account Tokens
JSON SCHEMAAuth Rule Version Report Statistics
JSON SCHEMAAccount Holder Required Document
JSON SCHEMAAuthentication (3DS) Action (Result)
JSON SCHEMAAuthorization Action (Result)
JSON SCHEMAResult
JSON SCHEMARetry Book Transfer Request
JSON SCHEMARetry Micro Deposit Verification Request
JSON SCHEMARetry Prenote Verification Request
JSON SCHEMARule Feature
JSON SCHEMADetailed Rule Result
JSON SCHEMAService Location
JSON SCHEMAFuelServiceType
JSON SCHEMASet Verification Method Request
JSON SCHEMASettlement Report
JSON SCHEMAsettlement Summary Details
JSON SCHEMASettlementDetail
JSON SCHEMAShippingAddress
JSON SCHEMASignals Response
JSON SCHEMASimulate Action Request
JSON SCHEMA3DS Simulation Request object
JSON SCHEMASimulate Origination Release Request
JSON SCHEMASimulate Origination Return Request
JSON SCHEMASimulate Payment Response
JSON SCHEMASimulate Receipt Request
JSON SCHEMASpend Feature State
JSON SCHEMAspend_limit_duration
JSON SCHEMASpend Velocity Filters
JSON SCHEMAStatement Line Item Response
JSON SCHEMAStatement Line Items Response
JSON SCHEMAStatement Response
JSON SCHEMAStatement Totals
JSON SCHEMAStatement Type
JSON SCHEMAStatement Webhook
JSON SCHEMAStatements Response
JSON SCHEMAKYC/KYB Status Reasons
JSON SCHEMAKYC/KYB Status
JSON SCHEMASupported Simulation Decline Reasons
JSON SCHEMASupported Simulation Types
JSON SCHEMATags
JSON SCHEMATaxData
JSON SCHEMATaxExemptIndicator
JSON SCHEMA3DS Decision Response object
JSON SCHEMATier Schedule Entry
JSON SCHEMATier Schedule Response
JSON SCHEMAToken Info
JSON SCHEMATokenization Action
JSON SCHEMAtokenization-approval-request
JSON SCHEMAtokenization-decisioning-response
JSON SCHEMATokenization Decline Reason
JSON SCHEMATokenization Event Outcome
JSON SCHEMATokenization Event
JSON SCHEMAtokenization-request-base
JSON SCHEMATokenization Result
JSON SCHEMATokenization Rule Result
JSON SCHEMATokenization
JSON SCHEMATokenization TFA Reason
JSON SCHEMATokenization Two Factor Authentication Code
JSON SCHEMATokenization Updated
JSON SCHEMATransaction Amounts
JSON SCHEMATransaction Category
JSON SCHEMATransaction Event Amounts
JSON SCHEMATransaction Event
JSON SCHEMATransaction Merchant
JSON SCHEMATransaction Result
JSON SCHEMATransaction Series
JSON SCHEMATransaction Status
JSON SCHEMATransfer Limit Item
JSON SCHEMATransfer Limits Response
JSON SCHEMATransfer
JSON SCHEMATransfer Type
JSON SCHEMATypeScript Code Parameters
JSON SCHEMAUnverified Create Bank Account Api Request
JSON SCHEMAUnverified Verification Methods
JSON SCHEMAUpdate Bank Account Api Request
JSON SCHEMAUpdate Bulk Order Request
JSON SCHEMAUpdate financial account status request
JSON SCHEMAUpdate Financial Account Substatus
JSON SCHEMAUpdate Tier Schedule Entry Request
JSON SCHEMAUpdateFinancialAccountRequest
JSON SCHEMAVelocity Limits Filters
JSON SCHEMAVelocity Limit Parameters
JSON SCHEMAVelocity Limit Period
JSON SCHEMAVelocity Limits Scope
JSON SCHEMAVerification Application
JSON SCHEMAVerification Method
JSON SCHEMAVerification State
JSON SCHEMAVisa Network Specific Data
JSON SCHEMAVoid Hold Request
JSON SCHEMAwallet-decisioning-info
JSON SCHEMAWebPushProvisioningResponse
JSON SCHEMAWebPushProvisioningResponseHeader
JSON SCHEMAWebPushProvisioningResponseJws
JSON SCHEMAWire Party Details
JSON SCHEMAWireMethodAttributes
JSON SCHEMAWorkflow Event Data
JSON SCHEMAScroll for all 396
JSON Structure 1
JSON Structure definitions describing this provider's data shapes.
Lithic Com Structure
JSON STRUCTUREExamples 49
Example request and response payloads for these APIs.
Lithic Com Getevents Example
EXAMPLELithic Com Postcards Example
EXAMPLEScroll for all 49
Security Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Source (apis.yml)
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