## Payment Token
- **payment_token**: `uuid` (required)  
  Request to return an ACH payment

- **financial_account_token**: `uuid` (required)  
  Globally unique identifier for the financial account

- **return_reason_code**: `string` (required)  
  `^R(0[1-9]|[1-4][0-9]|5[0-3]|8[0-5])$`  
  ACH return reason code indicating the reason for returning the payment. Supported codes include R01-R53 and R80-R85. For a complete list of return codes and their meanings, see [ACH Return Reasons](https://docs.lithic.com/docs/ach-overview#ach-return-reasons)

- **memo**: `string | null`  
  Optional memo for the return. Limited to 10 characters

- **addenda**: `string | null`  
  Optional additional information about the return. Limited to 44 characters

- **date_of_death**: `date | null`  
  Date of death in YYYY-MM-DD format. Required when using return codes **R14** (representative payee deceased) or **R15** (beneficiary or account holder deceased)

## 202 Accepted
- **status**: `string` (enum, required)  
  The status of the transaction  
  `PENDING, SETTLED, DECLINED, REVERSED, CANCELED, RETURNED`

- **token**: `uuid` (required)  
  Unique identifier for the transaction

- **created**: `date-time` (required)  
  ISO 8601 timestamp of when the transaction was created

- **updated**: `date-time` (required)  
  ISO 8601 timestamp of when the transaction was last updated

- **family**: `const` (enum, required)  
  `PAYMENT` - Payment Transaction

- **category**: `string` (enum, required)  
  Transaction category  
  `ACH, WIRE, BALANCE_OR_FUNDING, FEE, REWARD, ADJUSTMENT, DERECOGNITION, DISPUTE, CARD, EXTERNAL_ACH, EXTERNAL_CHECK, EXTERNAL_FEDNOW, EXTERNAL_RTP, EXTERNAL_TRANSFER, EXTERNAL_WIRE, MANAGEMENT_ADJUSTMENT, MANAGEMENT_DISPUTE, MANAGEMENT_FEE, MANAGEMENT_REWARD, MANAGEMENT_DISBURSEMENT, HOLD, PROGRAM_FUNDING`

- **currency**: `string`  
  Currency of the transaction in ISO 4217 format

- **result**: `string` (enum, required)  
  Transaction result  
  `APPROVED, DECLINED`

- **method_attributes**: (required)  
  Method-specific attributes

## AchMethodAttributes
- **financial_account_token**: `uuid` (required)  
  Financial account token

- **external_bank_account_token**: `uuid | null`  
  External bank account token

- **direction**: `string` (enum, required)  
  Transfer direction  
  `CREDIT, DEBIT`

- **source**: `string` (enum, required)  
  Transaction source  
  `LITHIC, EXTERNAL, CUSTOMER`

- **method**: `string` (enum, required)  
  Transfer method  
  `ACH_NEXT_DAY, ACH_SAME_DAY, WIRE`

- **settled_amount**: `integer` (required)  
  Settled amount in cents

- **pending_amount**: `integer` (required)  
  Pending amount in cents

- **events**: `array of objects` (required)  
  List of transaction events

## Payment Event
- **amount**: `integer` (required)  
  Amount of the financial event that has been settled in the currency's smallest unit (e.g., cents).

- **created**: `date-time` (required)  
  Date and time when the financial event occurred. UTC time zone.

- **detailed_results**: `array of strings`  
  More detailed reasons for the event  
  `APPROVED, DECLINED, FUNDS_INSUFFICIENT, ACCOUNT_INVALID, PROGRAM_TRANSACTION_LIMIT_EXCEEDED, PROGRAM_DAILY_LIMIT_EXCEEDED, PROGRAM_MONTHLY_LIMIT_EXCEEDED`

- **result**: `string` (enum, required)  
  Approved financial events were successful while declined financial events were declined by user, Lithic, or the network.

- **token**: `uuid` (required)  
  Globally unique identifier.

- **type**: `string` (enum, required)

## Event types:

### ACH events:
- `ACH_ORIGINATION_INITIATED`  
  ACH origination received and pending approval/release from an ACH hold.
- `ACH_ORIGINATION_REVIEWED`  
  ACH origination has completed the review process.
- `ACH_ORIGINATION_CANCELLED`  
  ACH origination has been cancelled.
- `ACH_ORIGINATION_PROCESSED`  
  ACH origination has been processed and sent to the Federal Reserve.
- `ACH_ORIGINATION_SETTLED`  
  ACH origination has settled.
- `ACH_ORIGINATION_RELEASED`  
  ACH origination released from pending to available balance.
- `ACH_ORIGINATION_REJECTED`  
  ACH origination was rejected and not sent to the Federal Reserve.
- `ACH_RECEIPT_PROCESSED`  
  ACH receipt pending release from an ACH holder.
- `ACH_RECEIPT_SETTLED`  
  ACH receipt funds have settled.
- `ACH_RECEIPT_RELEASED`  
  ACH receipt released from pending to available balance.
- `ACH_RECEIPT_RELEASED_EARLY`  
  ACH receipt released early from pending to available balance.
- `ACH_RETURN_INITIATED`  
  ACH initiated return for an ACH receipt.
- `ACH_RETURN_PROCESSED`  
  ACH receipt returned by the Receiving Depository Financial Institution.
- `ACH_RETURN_SETTLED`  
  ACH return settled by the Receiving Depository Financial Institution.
- `ACH_RETURN_REJECTED`  
  ACH return was rejected by the Receiving Depository Financial Institution.

### Wire transfer events:
- `WIRE_TRANSFER_INBOUND_RECEIVED`  
  Inbound wire transfer received from the Federal Reserve and pending release to available balance.
- `WIRE_TRANSFER_INBOUND_SETTLED`  
  Inbound wire transfer funds released from pending to available balance.
- `WIRE_TRANSFER_INBOUND_BLOCKED`  
  Inbound wire transfer blocked and funds frozen for regulatory review.

### Wire return events:
- `WIRE_RETURN_OUTBOUND_INITIATED`  
  Outbound wire return initiated to return funds from an inbound wire transfer.
- `WIRE_RETURN_OUTBOUND_SENT`  
  Outbound wire return sent to the Federal Reserve and pending acceptance.
- `WIRE_RETURN_OUTBOUND_SETTLED`  
  Outbound wire return accepted by the Federal Reserve and funds returned to sender.
- `WIRE_RETURN_OUTBOUND_REJECTED`  
  Outbound wire return rejected by the Federal Reserve.

## External ID 
- **external_id**: `string | null`  
  Payment event external ID. For ACH transactions, this is the ACH trace number.

- For inbound wire transfers, this is the IMAD (Input Message Accountability Data).

- **descriptor**: `string` (required)  
  Transaction descriptor

- **user_defined_id**: `string | null`  
  User-defined identifier

- **expected_release_date**: `date | null`  
  Expected release date for the transaction

- **related_account_tokens**: (required)  
  Related account tokens for the transaction

### Related Account Tokens
- **business_account_token**: `3fa85f64-5717-4562-b3fc-2c963f66afa6`
- **account_token**: `3fa85f64-5717-4562-b3fc-2c963f66afa6`

- **type**: `string` (enum)  
  `ORIGINATION_CREDIT, ORIGINATION_DEBIT, RECEIPT_CREDIT, RECEIPT_DEBIT, WIRE_INBOUND_PAYMENT, WIRE_INBOUND_ADMIN, WIRE_OUTBOUND_PAYMENT, WIRE_OUTBOUND_ADMIN, WIRE_INBOUND_DRAWDOWN_REQUEST`

- **tags**: (object)  
  Key-value pairs for tagging resources. Tags allow you to associate arbitrary metadata with a resource for your own purposes.