# Payment Token Schema

## Fields

### payment_token
- **Type**: uuid  
- **Requirement**: required

### event_type
- **Type**: string  
- **Requirement**: required
- **Enum Values**:  
  - ACH_ORIGINATION_REVIEWED  
  - ACH_ORIGINATION_RELEASED  
  - ACH_ORIGINATION_PROCESSED  
  - ACH_ORIGINATION_SETTLED  
  - ACH_RECEIPT_SETTLED  
  - ACH_RECEIPT_RELEASED  
  - ACH_RECEIPT_RELEASED_EARLY  
  - ACH_RETURN_INITIATED  
  - ACH_RETURN_PROCESSED  
  - ACH_RETURN_SETTLED

### return_reason_code
- **Type**: string  
- **Description**: Return Reason Code

### decline_reason
- **Type**: string  
- **Enum Values**:  
  - PROGRAM_TRANSACTION_LIMIT_EXCEEDED  
  - PROGRAM_DAILY_LIMIT_EXCEEDED  
  - PROGRAM_MONTHLY_LIMIT_EXCEEDED  
- **Allowed Values**:  
  - `PROGRAM_TRANSACTION_LIMIT_EXCEEDED`  
  - `PROGRAM_DAILY_LIMIT_EXCEEDED`  
  - `PROGRAM_MONTHLY_LIMIT_EXCEEDED`

### return_addenda
- **Type**: string  
- **Description**: Return Addenda

### date_of_death
- **Type**: date  
- **Description**: Date of Death for ACH Return

## Response Codes

### 200 Created  
- **Response**:  
```json
{
  "result": "APPROVED",
  "transaction_event_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "debugging_request_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
}
```

### 400 Bad Request  
- Description: A parameter in the query given in the request does not match the valid queries for the endpoint.

### 401 Unauthorized  
| Description  |  |
| --- | --- |
| User has not been authenticated | Invalid or missing API key |
| API key is not active | The API key used is no longer active |
| Could not find API key | The API key provided is not associated with any user |
| Please provide API key in Authorization header | The Authorization header is not in the request |
| Please provide API key in the form Authorization: [api-key] | The Authorization header is not formatted properly |
| Insufficient privileges. Issuing API key required | Write access requires an Issuing API key. Reach out at [lithic.com/contact](/content/contact/index.html) |
| Insufficient privileges to create virtual cards. | Creating virtual cards requires an additional privilege |

### 404 Not Found  
- Description: The specified resource was not found.

### 429 Too Many Requests  
| Description  |  |
| --- | --- |
| Rate limited, too many requests per second | User has exceeded their per second rate limit |
| Rate limited, reached daily limit | User has exceeded their daily rate limit |
| Rate limited, too many keys tried | One IP has queried too many different API keys |

## Example Request

```bash
curl --request POST \
     --url https://sandbox.lithic.com/v1/simulate/payments/payment_token/action \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
       "event_type": "ACH_ORIGINATION_REVIEWED",
       "return_reason_code": "string",
       "decline_reason": "PROGRAM_TRANSACTION_LIMIT_EXCEEDED",
       "return_addenda": "string",
       "date_of_death": "2026-07-18"
     }'
```

## Example Successful Response

```json
{
  "result": "APPROVED",
  "transaction_event_token": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "debugging_request_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6"
}
```