Account Information

Account Details

Account Holder

• business_account_token: Required. Account token of the enrolled business associated with an enrolled AUTHORIZED_USER individual.
• email: Required. Email address.
• phone_number: Required. Phone number of the individual.
• token: Required. Globally unique identifier for the account holder.

Currency

• cardholder_currency: 3-character alphabetic ISO 4217 code for the currency of the cardholder.

Spend Limit

• spend_limit: Required. Spend limit information containing the daily, monthly, and lifetime spend limit of the account.
  • daily: Required. Daily spend limit (in cents).
  • lifetime: Required. Total spend limit over account lifetime (in cents).
  • monthly: Required. Monthly spend limit (in cents).

Account State

• state: Required. Account state:
  • ACTIVE: Account is able to transact and create new cards.
  • PAUSED: Account will not be able to transact or create new cards. Can be set back to ACTIVE.
  • CLOSED: Account will not be able to transact or create new cards. Closed accounts cannot transition to ACTIVE or PAUSED.

Substatus

• substatus: String or null. Account state substatus values:
  • FRAUD_IDENTIFIED: Recognized as created or used with stolen or fabricated identity information.
  • SUSPICIOUS_ACTIVITY: Exhibited suspicious behavior necessitating further investigation.
  • RISK_VIOLATION: Involved in deliberate misuse by the legitimate account holder.
  • END_USER_REQUEST: Requested closure of the account for personal reasons.
  • ISSUER_REQUEST: Closure initiated by the issuer for various reasons.
  • NOT_ACTIVE: No transactions or payment activity within a specified period.
  • INTERNAL_REVIEW: Temporarily paused pending review.
  • OTHER: Reason does not fall into any category, requires a comment.

Comment

• comment: Additional context or information related to the account.

Created Date

• created: Required. Timestamp of when the account was created.

Request Example

{
  "account_holder": {
    "business_account_token": "e87db14a-4abf-4901-adad-5d5c9f46aff2",
    "email": "jack@lithic.com",
    "phone_number": "+15555555555",
    "token": "95e5f1b7-cfd5-4520-aa3c-2451bab8608d"
  },
  "cardholder_currency": "USD",
  "spend_limit": {
    "daily": 10000,
    "lifetime": 100000,
    "monthly": 40000
  },
  "state": "ACTIVE",
  "substatus": "FRAUD_IDENTIFIED",
  "comment": "string",
  "token": "b68b7424-aa69-4cbc-a946-30d90181b621",
  "created": "2026-07-18T03:11:32.070Z"
}

Error Codes

• 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 or the API key is invalid or not active.
• 404: The specified resource was not found.
• 422: Unprocessable entity.
• 429: Exceeded the number of allowed requests in a given time period.