Payment

Create payment

Changed on

Initiates an ACH payment between a financial account and an external bank account.

This endpoint originates on the ACH rail only. To send a stablecoin payout, use the Create stablecoin payment endpoint. Payments on every rail are read back through List payments.

post/v1/payments

Request

  • Base URL
    https://sandbox.lithic.com
  • URL
    https://sandbox.lithic.com/v1/payments
  • Auth
    API key in header Authorization

Request body

amountinteger required
external_bank_account_tokenstring uuid required
financial_account_tokenstring uuid required
memostring
method'ACH_NEXT_DAY' | 'ACH_SAME_DAY' required
tokenstring uuid

Customer-provided token that will serve as an idempotency token. This token will become the transaction token.

type'COLLECTION' | 'PAYMENT' required
user_defined_idstring

Response

Created

tokenstring uuid required

Unique identifier for the transaction

createdstring date-time required

ISO 8601 timestamp of when the transaction was created

updatedstring date-time required

ISO 8601 timestamp of when the transaction was last updated

status'PENDING' | 'SETTLED' | 'DECLINED' | 'REVERSED' | 'CANCELED' | 'RETURNED' required
family'PAYMENT' required

PAYMENT - Payment Transaction

category'ACH' | 'WIRE' | 'STABLECOIN' | 'INTRA_BANK' | 'BALANCE_OR_FUNDING' | 'FEE' | 'REWARD' | 'ADJUSTMENT' | 'DERECOGNITION' | 'DISPUTE' | 'CARD' | 'EXTERNAL_ACH' | 'EXTERNAL_CHECK' | 'EXTERNAL_FEDNOW' | 'EXTERNAL_RTP' | 'EXTERNAL_STABLECOIN' | 'EXTERNAL_TRANSFER' | 'EXTERNAL_WIRE' | 'MANAGEMENT_ADJUSTMENT' | 'MANAGEMENT_DISPUTE' | 'MANAGEMENT_FEE' | 'MANAGEMENT_REWARD' | 'MANAGEMENT_DISBURSEMENT' | 'HOLD' | 'PROGRAM_FUNDING' | 'PROGRAM_TRANSFER' required

Note: Inbound wire transfers are coming soon (availability varies by partner bank). The WIRE category is a preview. To learn more, contact your customer success manager.

currencystring

Currency of the transaction in ISO 4217 format

result'APPROVED' | 'DECLINED' required
financial_account_tokenstring uuid required

Financial account token

external_bank_account_tokenstring uuid nullable

External bank account token

blockchain_recipient_tokenstring uuid nullable

Token of the blockchain recipient the payout is sent to

direction'CREDIT' | 'DEBIT' required

Transfer direction

source'LITHIC' | 'EXTERNAL' | 'CUSTOMER' required

Transaction source

method'ACH_NEXT_DAY' | 'ACH_SAME_DAY' | 'WIRE' | 'STABLECOIN' required

Transfer method

settled_amountinteger required

Settled amount in cents

pending_amountinteger required

Pending amount in cents

descriptorstring required

Transaction descriptor

user_defined_idstring nullable

User-defined identifier

expected_release_datestring date nullable

Expected release date for the transaction

type'ORIGINATION_CREDIT' | 'ORIGINATION_DEBIT' | 'RECEIPT_CREDIT' | 'RECEIPT_DEBIT' | 'WIRE_INBOUND_PAYMENT' | 'WIRE_INBOUND_ADMIN' | 'WIRE_OUTBOUND_PAYMENT' | 'WIRE_OUTBOUND_ADMIN' | 'WIRE_INBOUND_DRAWDOWN_REQUEST' | 'STABLECOIN_INBOUND' | 'STABLECOIN_OUTBOUND'
tagsTags

Key-value pairs for tagging resources. Tags allow you to associate arbitrary metadata with a resource for your own purposes. A resource can have at most 50 tags, with keys up to 40 characters and values up to 500 characters

Example response

{
  "family": "PAYMENT",
  "status": "PENDING",
  "token": "bd4efddb-771b-49e3-9af9-49b077ab5eb8",
  "created": "2025-10-27T20:12:22Z",
  "updated": "2025-10-27T20:12:25Z",
  "category": "ACH",
  "result": "APPROVED",
  "method_attributes": {
    "sec_code": "CCD",
    "return_reason_code": null,
    "ach_hold_period": 1,
    "retries": 0,
    "company_id": "1111111111",
    "receipt_routing_number": null,
    "recipient_name": null,
    "trace_numbers": [],
    "addenda": null
  },
  "financial_account_token": "35b0c466-a3e3-519a-9549-ead6a6a2277d",
  "external_bank_account_token": "feb4fee1-2414-4c38-a5f6-9deac293c8f4",
  "direction": "CREDIT",
  "source": "LITHIC",
  "method": "ACH_NEXT_DAY",
  "settled_amount": 0,
  "pending_amount": -1588,
  "currency": "USD",
  "events": [
    {
      "amount": -1588,
      "type": "ACH_ORIGINATION_INITIATED",
      "result": "APPROVED",
      "created": "2025-10-27T20:12:22Z",
      "token": "327dccc3-fe42-54d2-962c-7f8135805464",
      "detailed_results": [
        "APPROVED"
      ]
    },
    {
      "amount": -1588,
      "type": "ACH_ORIGINATION_REVIEWED",
      "result": "APPROVED",
      "created": "2025-10-27T20:12:25Z",
      "token": "f9165477-7cfc-53c6-98f1-84e9ec856a60",
      "detailed_results": [
        "APPROVED"
      ]
    }
  ],
  "descriptor": "ach_origination_credit",
  "user_defined_id": null,
  "expected_release_date": null,
  "related_account_tokens": null,
  "type": "ORIGINATION_CREDIT"
}

Changes

  • 9798275dc379Revision changes
    • breaking

      the / response's property type changed from object to no type for status

    • breaking

      removed the required property // from the response with the status

    • breaking

      removed the required property // from the response with the status

    • breaking

      removed the required property // from the response with the status

    • breaking

      removed the required property // from the response with the status

    • warning

      added the new INTRA_BANK enum value to the // response property for the response status

    • info

      added subschema #2 to the / response property allOf list for the response status

    • info

      added 'propertyNames' constraint to the // response property for the status

  • 9b03f0754e37Revision changes
    • warning

      added the new EXTERNAL_STABLECOIN enum value to the // response property for the response status