---
title: "Get open to buy"
method: GET
path: "/v1/financial_accounts/{financial_account_token}/open_to_buy"
tags: ["Balance"]
---

# Get open to buy

`GET /v1/financial_accounts/{financial_account_token}/open_to_buy`

## Request

- Base URL: `https://sandbox.lithic.com`
- URL: `https://sandbox.lithic.com/v1/financial_accounts/{financial_account_token}/open_to_buy`
- Auth: API key in header `Authorization`

Get the funds available for card spend backed by a given Security Account, along with the
balances that amount is derived from.

Open to buy is the amount Lithic authorizes card spend against. It is not a stored balance,
so it is recalculated on every request from the Security Account, the funds held against spend
Lithic has already paid out to the networks on your behalf, and the spend that has not yet been
collected. The accounts that feed the calculation depend on your program setup, so
`summary.settled_funds` is `null` outside Commercial Charge.

Supported for Commercial Charge, Dynamic Reserve, and Secured Charge programs. Returns `404`
if `financial_account_token` is not a Security Account you own, or if your program setup does
not use an open to buy calculation.

## Path parameters

- `financial_account_token` string, uuid, required

## Response `200`

OK

- OpenToBuy: Open to Buy
  - `open_to_buy` integer, required: Funds available for card spend backed by this Security Account, in the currency's smallest unit (e.g., cents for USD). Equal to the sum of the amounts in `summary`, and reaches zero once outstanding spend has consumed all available funding
  - `summary` OpenToBuySummary, required: Open to Buy Summary
    - `security` integer, required: Available balance of the Security Account backing card spend, in the currency's smallest unit (e.g., cents for USD)
    - `settled_funds` integer, nullable, required: Funding that has moved out of the Security Account to cover card spend Lithic has already paid out to the networks, in the currency's smallest unit (e.g., cents for USD). Open to buy counts it alongside `security`, and it clears once collected from your business clients. Only Commercial Charge tracks this separately, so this is `null` for every other program setup
    - `total_outstanding_spend` integer, required: Customer card spend that has not yet been collected, in the currency's smallest unit (e.g., cents for USD). Reported as a negative amount, because it reduces open to buy

## Other responses

- `400`: A parameter in the query given in the request does not match the valid queries for the endpoint.
- `401`: | | | |---|---| | User has not been authenticated | Invalid or missing API key | | API key is not active | The API key used is no longer active | | Could not find API key | The API key provided is not associated with any user | | Please provide API key in Authorization header | The Authorization header is not in the request | | Please provide API key in the form Authorization: [api-key] | The Authorization header is not formatted properly | | Insufficient privileges. Issuing API key required | Write access requires an Issuing API key. Reach out at [lithic.com/contact](https://lithic.com/contact) | | Insufficient privileges to create virtual cards. | Creating virtual cards requires an additional privilege | Reach out at [lithic.com/contact](https://lithic.com/contact) |
- `404`: The specified resource was not found.
- `422`: Unprocessable entity.
- `429`: Client has exceeded the number of allowed requests in a given time period. | | | |---|---| | Rate limited, too many requests per second | User has exceeded their per second rate limit | | Rate limited, reached daily limit | User has exceeded their daily rate limit | | Rate limited, too many keys tried | One IP has queried too many different API keys |

## Changes

- **2026-09-17** `0a9b9fe14cf0`: 1 info
  - endpoint added

[Operation history](https://skmtc.dev/lithic-com/apis/lithic-developer-api/changes/v1/financial_accounts/:financial_account_token/open_to_buy/get.md)

---

[API](https://skmtc.dev/lithic-com/apis/lithic-developer-api.md) - [All operations](https://skmtc.dev/lithic-com/apis/lithic-developer-api/llms.txt) - [OpenAPI document](https://skmtc.dev/lithic-com/apis/lithic-developer-api/revisions/17d2fbc28992?raw)