account_token

Required

The token of the account to fetch signals for.

200 Account Signals

Object

Behavioral feature state for a card or account derived from its transaction history.

Derived statistical features (averages, standard deviations, z-scores) are computed using Welford's online algorithm over approved transactions. Average fields are null when fewer than 5 approved transactions have been recorded. Standard deviation fields are null when fewer than 30 approved transactions have been recorded.

3DS fields (three_ds_success_rate, three_ds_success_count, three_ds_total_count) are card-scoped and will be null for account responses.

Raw fields

(seen_countries, seen_mccs, approved_txn_amount_m2, etc.) are included so clients can compute their own transaction-specific derivations, such as checking whether a new transaction's country is in seen_countries to determine is_new_country, or computing a z-score using the raw mean and M2 values.

avg_transaction_amount

Type: number | null
Required
The average approved transaction amount over the entity's lifetime, in cents. Null if fewer than 5 approved transactions have been recorded.

stdev_transaction_amount

Type: number | null
Required
The standard deviation of approved transaction amounts over the entity's lifetime, in cents. Null if fewer than 30 approved transactions have been recorded.

approved_txn_count

Type: integer | null
Required
The total number of approved transactions over the entity's lifetime.

avg_transaction_amount_7d

Type: number | null
Required
The average approved transaction amount over the last 7 days, in cents. Null if fewer than 5 approved transactions in window.

stdev_transaction_amount_7d

Type: number | null
Required
The standard deviation of approved transaction amounts over the last 7 days, in cents. Null if fewer than 30 approved transactions in window.

approved_txn_count_7d

Type: integer | null
Required
The number of approved transactions in the last 7 days.

avg_transaction_amount_30d

Type: number | null
Required
The average approved transaction amount over the last 30 days, in cents. Null if fewer than 5 approved transactions in window.

stdev_transaction_amount_30d

Type: number | null
Required
The standard deviation of approved transaction amounts over the last 30 days, in cents. Null if fewer than 30 approved transactions in window.

approved_txn_count_30d

Type: integer | null
Required
The number of approved transactions in the last 30 days.

avg_transaction_amount_90d

Type: number | null
Required
The average approved transaction amount over the last 90 days, in cents. Null if fewer than 5 approved transactions in window.

stdev_transaction_amount_90d

Type: number | null
Required
The standard deviation of approved transaction amounts over the last 90 days, in cents. Null if fewer than 30 approved transactions in window.

approved_txn_count_90d

Type: integer | null
Required
The number of approved transactions in the last 90 days.

is_first_transaction

Type: boolean | null
Required
Whether the entity has no prior transaction history. Returns true if no history is found. Null if transaction history exists but a first transaction timestamp is unavailable.

time_since_last_transaction_days

Type: number | null
Required
The number of days since the last approved transaction on the entity.

three_ds_success_rate

Type: number | null
Required
The 3DS authentication success rate for the card, as a percentage from 0.0 to 100.0. Null for account responses.

distinct_country_count

Type: integer | null
Required
The number of distinct merchant countries seen in the entity's transaction history.

distinct_mcc_count

Type: integer | null
Required
The number of distinct MCCs seen in the entity's transaction history.

seen_countries

Type: array of strings | null
Required
The set of merchant countries seen in the entity's transaction history. Clients can use this to determine whether a new transaction's country is novel (i.e. compute is_new_country).

seen_mccs

Type: array of strings | null
Required
The set of MCCs seen in the entity's transaction history. Clients can use this to determine whether a new transaction's MCC is novel (i.e. compute is_new_mcc).

seen_merchants

Type: array of strings | null
Required
The set of card acceptor IDs seen in the card's approved transaction history, capped at the 1000 most recently seen. Null for account responses. Clients can use this to determine whether a new transaction's merchant is novel (i.e. compute is_new_merchant).

first_txn_at

Type: date-time | null
Required
The timestamp of the first approved transaction for the entity, in ISO 8601 format.

last_txn_approved_at

Type: date-time | null
Required
The timestamp of the most recent approved transaction for the entity, in ISO 8601 format.

last_cp_country

Type: string | null
Required
The merchant country of the last card-present transaction.

last_cp_postal_code

Type: string | null
Required
The merchant postal code of the last card-present transaction.

last_cp_timestamp

Type: date-time | null
Required
The timestamp of the last card-present transaction, in ISO 8601 format.

approved_txn_amount_m2

Type: number | null
Required
The Welford M2 accumulator for lifetime approved transaction amounts. Used together with avg_transaction_amount and approved_txn_count to compute the z-score of a new transaction amount (variance = M2 / (count - 1)).

approved_txn_amount_m2_7d

Type: number | null
Required
The Welford M2 accumulator for approved transaction amounts over the last 7 days.

approved_txn_amount_m2_30d

Type: number | null
Required
The Welford M2 accumulator for approved transaction amounts over the last 30 days.

approved_txn_amount_m2_90d

Type: number | null
Required
The Welford M2 accumulator for approved transaction amounts over the last 90 days.

three_ds_success_count

Type: integer | null
Required
The number of successful 3DS authentications for the card. Null for account responses.

three_ds_total_count

Type: integer | null
Required
The total number of 3DS authentication attempts for the card. Null for account responses.

400 Bad Request

403 Forbidden

404 Not Found

Example of a Request

curl --request GET \
     --url https://sandbox.lithic.com/v1/accounts/account_token/signals \
     --header 'accept: application/json'

Example of a Response

{
  "avg_transaction_amount": 0,
  "stdev_transaction_amount": 0,
  "approved_txn_count": 0,
  "avg_transaction_amount_7d": 0,
  "stdev_transaction_amount_7d": 0,
  "approved_txn_count_7d": 0,
  "avg_transaction_amount_30d": 0,
  "stdev_transaction_amount_30d": 0,
  "approved_txn_count_30d": 0,
  "avg_transaction_amount_90d": 0,
  "stdev_transaction_amount_90d": 0,
  "approved_txn_count_90d": 0,
  "is_first_transaction": true,
  "time_since_last_transaction_days": 0,
  "three_ds_success_rate": 0,
  "distinct_country_count": 0,
  "distinct_mcc_count": 0,
  "seen_countries": ["string"],
  "seen_mccs": ["string"],
  "seen_merchants": ["string"],
  "first_txn_at": "2026-07-18T05:08:59.688Z",
  "last_txn_approved_at": "2026-07-18T05:08:59.688Z",
  "last_cp_country": "string",
  "last_cp_postal_code": "string",
  "last_cp_timestamp": "2026-07-18T05:08:59.688Z",
  "approved_txn_amount_m2": 0,
  "approved_txn_amount_m2_7d": 0,
  "approved_txn_amount_m2_30d": 0,
  "approved_txn_amount_m2_90d": 0,
  "three_ds_success_count": 0,
  "three_ds_total_count": 0
}