Create payment

Payment Request Schema

Parameters

• amount: (integer, required) Must be ≥ 1
• external_bank_account_token: (uuid, required)
• financial_account_token: (uuid, required)
• memo: (string, length ≤ 512) Must match ^[0-9A-Za-z \x20-\x7e\x40-\xff]*$
• method: (string, required, enum)
  • Allowed: ACH_NEXT_DAY, ACH_SAME_DAY
• method_attributes: (object, required)
  • token: (uuid) Customer-provided token that will serve as an idempotency token.
  • type: (string, required, enum) Allowed: COLLECTION, PAYMENT
• user_defined_id: (string, length ≤ 512)
• hold: (object, optional) Hold details when this payment is initiated.

Base Transaction Schema

Response Codes

• 202: Created
• 400: Invalid parameter in the query.
• 401: User has not been authenticated.
• 404: Resource not found.
• 429: Exceeded allowed requests.

Transaction Fields

• status: (string, required, enum) Possible values: PENDING, SETTLED, DECLINED, REVERSED, CANCELED, RETURNED
• token: (uuid, required) Unique identifier for the transaction
• created: (date-time, required) ISO 8601 timestamp
• updated: (date-time, required) Last update timestamp
• family: (const, enum, required) Allowed: PAYMENT
• category: (string, required, enum)
  • Possible categories include: ACH, WIRE, BALANCE_OR_FUNDING, FEE, REWARD etc.
• currency: (string) Currency in ISO 4217 format
• result: (string, required, enum) Allowed: APPROVED, DECLINED

Method-Specific Attributes

AchMethodAttributes:

• financial_account_token: (uuid, required)
• external_bank_account_token: (uuid|null)
• direction: (string, required, enum) CREDIT, DEBIT
• source: (string, required, enum) LITHIC, EXTERNAL, CUSTOMER
• method: (string, required, enum) ACH_NEXT_DAY, ACH_SAME_DAY, WIRE
• settled_amount: (integer, required)
• pending_amount: (integer, required)

Events Array

• events: (array of objects, required) List of transaction events, each containing fields such as:
  • amount: (integer, required)
  • created: (date-time, required)
  • detailed_results: (array of strings)
  • result: (string, required, enum)
  • token: (uuid, required)
  • type: (string, required)

Example Request in CURL

curl --request POST \
     --url https://sandbox.lithic.com/v1/payments \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
  "amount": 0,
  "external_bank_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "financial_account_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "memo": "string",
  "method": "ACH_NEXT_DAY",
  "method_attributes": {
    "sec_code": "CCD",
    "ach_hold_period": 0,
    "addenda": "string",
    "override_company_name": "string"
  },
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "type": "COLLECTION",
  "user_defined_id": "string",
  "hold": {
    "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
  }
}'

Response Example

{
  "status": "PENDING",
  "token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "created": "2026-07-18T00:25:39.083Z",
  "updated": "2026-07-18T00:25:39.083Z"
}