card_token
uuid
required
The token of the card to fetch signals for.

200 Card 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
  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
  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
  integer | null
  required
  The total number of approved transactions over the entity's lifetime.

• avg_transaction_amount_7d
  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
  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
  integer | null
  required
  The number of approved transactions in the last 7 days.

• avg_transaction_amount_30d
  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
  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
  integer | null
  required
  The number of approved transactions in the last 30 days.

• avg_transaction_amount_90d
  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
  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
  integer | null
  required
  The number of approved transactions in the last 90 days.

• is_first_transaction
  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
  number | null
  required
  The number of days since the last approved transaction on the entity.

• three_ds_success_rate
  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
  integer | null
  required
  The number of distinct merchant countries seen in the entity's transaction history.

• distinct_mcc_count
  integer | null
  required
  The number of distinct MCCs seen in the entity's transaction history.

• seen_countries
  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
  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
  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
  date-time | null
  required
  The timestamp of the first approved transaction for the entity, in ISO 8601 format.

• last_txn_approved_at
  date-time | null
  required
  The timestamp of the most recent approved transaction for the entity, in ISO 8601 format.

• last_cp_country
  string | null
  required
  The merchant country of the last card-present transaction.

• last_cp_postal_code
  string | null
  required
  The merchant postal code of the last card-present transaction.

• last_cp_timestamp
  date-time | null
  required
  The timestamp of the last card-present transaction, in ISO 8601 format.

• approved_txn_amount_m2
  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
  number | null
  required
  The Welford M2 accumulator for approved transaction amounts over the last 7 days.

• approved_txn_amount_m2_30d
  number | null
  required
  The Welford M2 accumulator for approved transaction amounts over the last 30 days.

• approved_txn_amount_m2_90d
  number | null
  required
  The Welford M2 accumulator for approved transaction amounts over the last 90 days.

• three_ds_success_count
  integer | null
  required
  The number of successful 3DS authentications for the card. Null for account responses.

• three_ds_total_count
  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

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

{
  "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": "2026-07-18T05:08:59.413Z",
  "last_txn_approved_at": "2026-07-18T05:08:59.413Z",
  "last_cp_country": "string",
  "last_cp_postal_code": "string",
  "last_cp_timestamp": "2026-07-18T05:08:59.413Z",
  "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
}