aid: lithic-com url: https://raw.githubusercontent.com/api-evangelist/lithic-com/refs/heads/main/apis.yml name: Lithic kind: company description: Lithic is a card issuing and issuer-processor API platform for building virtual and physical card programs - authorization, clearing, KYC/KYB account holder onboarding, programmable authorization rules, real-time Auth Stream Access (ASA) decisioning, disputes, digital wallet tokenization, 3DS authentication, ACH payments, ledgered financial accounts, and settlement reporting. Lithic publishes a full OpenAPI 3.1 specification (github.com/lithic-com/lithic-openapi) backing official Node, Python, Go, Java, and Kotlin SDKs, with a sandbox at sandbox.lithic.com that mirrors production functionality. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Fintech - Card Issuing - Payments - Issuer Processor - KYC - Banking as a Service created: '2026-07-02' modified: '2026-07-02' specificationVersion: '0.19' apis: - aid: lithic-com:lithic-com-account-holders-api name: Lithic Account Holders API tags: - Account Holders - KYC - KYB - Onboarding image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/account-holders-kyc baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/account-holders-kyc type: Documentation - url: https://docs.lithic.com/docs/account-holders-kyb type: Documentation - url: https://docs.lithic.com/reference/getaccountholders type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Create and manage individual (KYC) and business (KYB) account holders - identity verification workflows (KYC_BASIC, KYC_BYO, KYC_EXEMPT, KYB_BASIC), document upload for remediation, and beneficial owner / control person management. - aid: lithic-com:lithic-com-accounts-api name: Lithic Accounts API tags: - Accounts - Spend Limits image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/spend-limits baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/spend-limits type: Documentation - url: https://docs.lithic.com/reference/getaccounts type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: List and retrieve accounts (created 1:1 with an account holder), update daily/monthly/lifetime spend limits, and fetch an account's available spend limits and fraud/velocity signals. - aid: lithic-com:lithic-com-cards-api name: Lithic Cards API tags: - Cards - Virtual Cards - Physical Cards - Digital Wallets image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/cards baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/cards type: Documentation - url: https://docs.lithic.com/docs/managing-cards type: Documentation - url: https://docs.lithic.com/docs/physical-cards-setup-guide type: Documentation - url: https://docs.lithic.com/reference/postcards type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Issue and manage virtual and physical cards - create, update, reissue, renew, and convert virtual cards to physical; card programs, digital card art, bulk card orders, card balances and financial transactions, the embedded card UI, and Apple Pay / Google Pay push provisioning. - aid: lithic-com:lithic-com-transactions-authorizations-api name: Lithic Transactions & Authorizations API tags: - Transactions - Authorizations - Simulations image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/transaction-flow baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/transaction-flow type: Documentation - url: https://docs.lithic.com/docs/transactions type: Documentation - url: https://docs.lithic.com/docs/simulating-transactions type: Documentation - url: https://docs.lithic.com/reference/postsimulateauthorize type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: List and retrieve card transactions, respond to authorization challenges, expire authorizations, route transactions, pull enhanced commercial (Level II/III) data, and fully simulate the authorization -> clearing -> void/return lifecycle in Sandbox. - aid: lithic-com:lithic-com-authorization-rules-api name: Lithic Authorization Rules API tags: - Authorization Rules - Velocity Limits - Risk image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/authorization-rules-v2 baseURL: https://api.lithic.com/v2 properties: - url: https://docs.lithic.com/docs/authorization-rules-v2 type: Documentation - url: https://docs.lithic.com/docs/about-authorization-intelligence type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Create, draft, promote, and backtest v2 programmable authorization rules (velocity limits, MCC/country/risk-score conditions) scoped to a card, account, or program, including calculated feature values and rule evaluation result history. - aid: lithic-com:lithic-com-realtime-decisioning-api name: Lithic Real-Time Decisioning API tags: - Auth Stream Access - ASA - 3DS - Webhooks image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/auth-stream-access-asa baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/auth-stream-access-asa type: Documentation - url: https://docs.lithic.com/docs/about-3ds type: Documentation - url: https://docs.lithic.com/docs/3ds-decisioning type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Register and manage the HTTP responder endpoint that receives Auth Stream Access (ASA) requests synchronously inside the authorization path (APPROVED/CHALLENGE/decline within a 6-second window), plus the equivalent 3DS Decisioning webhook for step-up challenge decisions, and HMAC secret retrieval/rotation for both. - aid: lithic-com:lithic-com-disputes-api name: Lithic Disputes API tags: - Disputes - Chargebacks image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/disputes-api baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/disputes-api type: Documentation - url: https://docs.lithic.com/docs/tracking-disputes type: Documentation - url: https://docs.lithic.com/reference/postdisputes type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Submit and withdraw chargeback requests on settled transactions, upload and manage evidence, and read v2 managed disputes for programs where Lithic handles dispute processing on the issuer's behalf. Lithic documents the Disputes API as an Enterprise product. - aid: lithic-com:lithic-com-events-webhooks-api name: Lithic Events & Webhooks API tags: - Events - Webhooks - Event Subscriptions image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/events-api baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/events-api type: Documentation - url: https://docs.lithic.com/docs/simulating-webhooks type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Manage event subscriptions (register a webhook URL, rotate its signing secret, resend or replay-missing messages after downtime), list and retrieve individual events and their delivery attempts, and simulate any of the 60+ documented event types in Sandbox. - aid: lithic-com:lithic-com-financial-accounts-api name: Lithic Financial Accounts & Statements API tags: - Financial Accounts - Ledger - Statements - Credit image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/financial-accounts baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/financial-accounts type: Documentation - url: https://docs.lithic.com/docs/ledger-overview type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Create and manage ISSUING, OPERATING, RESERVE, and CHARGE_CARD financial accounts, register account numbers, configure credit limits and interest tier schedules, list account activity and financial transactions, and retrieve statements, statement line items, and loan tapes. - aid: lithic-com:lithic-com-balances-holds-api name: Lithic Balances & Holds API tags: - Balances - Holds image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/ledger-overview baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/ledger-overview type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Read available and pending balances across all or a specific financial account, and create, retrieve, or void holds placed against a financial account's balance. - aid: lithic-com:lithic-com-payments-api name: Lithic Payments (ACH) API tags: - ACH - Payments - Disbursements image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/payments-api baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/payments-api type: Documentation - url: https://docs.lithic.com/docs/ach-overview type: Documentation - url: https://docs.lithic.com/docs/ach-payments-lifecycle type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Move funds via ACH between a Lithic financial account and a verified external bank account - create, retry, and return payments - with Sandbox simulation of receipt, release, and return events across the ACH lifecycle. - aid: lithic-com:lithic-com-ledger-settlement-api name: Lithic Ledger, Transfers & Settlement API tags: - Book Transfers - Settlement - Funding - Management Operations image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/book-transfers baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/book-transfers type: Documentation - url: https://docs.lithic.com/docs/settlement-reporting type: Documentation - url: https://docs.lithic.com/reference/getsettlementdetails type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Move money internally between financial accounts with book transfers, post and reverse manual management operations (ledger corrections), enforce transfer limits, look up card network programs, and reconcile daily cash movement with settlement detail/summary reports, network totals, and per-program funding events. Lithic documents Settlement as an Enterprise, production-only product. - aid: lithic-com:lithic-com-external-payments-api name: Lithic External Payments & Bank Accounts API tags: - External Bank Accounts - External Payments - Prenote image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/external-accounts-api baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/external-accounts-api type: Documentation - url: https://docs.lithic.com/docs/disbursements type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: Add and verify external bank accounts via prenote or micro-deposits, pause/unpause and retry verification, and create and manage external payments - settle, release, cancel, or reverse - for funds movement that occurs outside of Lithic-initiated ACH rails. - aid: lithic-com:lithic-com-tokenization-api name: Lithic Tokenization & Digital Wallets API tags: - Tokenization - Digital Wallets - Apple Pay - Google Pay image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/about-digital-wallets baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/about-digital-wallets type: Documentation - url: https://docs.lithic.com/docs/push-provisioning type: Documentation - url: https://docs.lithic.com/docs/web-push-provisioning type: Documentation - url: openapi/lithic-com-openapi.yml type: OpenAPI description: List and manage a card's digital wallet tokenizations - pause, unpause, activate, deactivate, resend activation codes, and update digital card art - plus the Tokenization Decisioning HMAC secret used to verify the real-time webhook Lithic sends when a cardholder adds a card to Apple Pay, Google Pay, or Samsung Pay. - aid: lithic-com:lithic-com-fraud-monitoring-api name: Lithic Fraud & Transaction Monitoring API tags: - Fraud - Transaction Monitoring - Case Management image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg humanURL: https://docs.lithic.com/docs/about-authorization-intelligence baseURL: https://api.lithic.com/v1 properties: - url: https://docs.lithic.com/docs/about-authorization-intelligence type: Documentation - url: https://docs.lithic.com/reference/getfraudreport type: APIReference - url: openapi/lithic-com-openapi.yml type: OpenAPI description: File and retrieve fraud reports on card transactions, and manage transaction monitoring cases and queues - case activity, linked transactions and cards, comments, and file attachments - for AML/fraud review workflows. common: - type: TrustCenter url: security/lithic-com-trust-center.yml - type: VulnerabilityDisclosure url: security/lithic-com-vulnerability-disclosure.yml - type: DomainSecurity url: security/lithic-com-domain-security.yml - type: Authentication url: authentication/lithic-com-authentication.yml - type: GitHubOrganization url: https://github.com/lithic-com - type: LinkedIn url: https://www.linkedin.com/company/lithic - type: Website url: https://www.lithic.com - type: Documentation url: https://docs.lithic.com - type: Plans url: plans/lithic-com-plans-pricing.yml - type: RateLimits url: rate-limits/lithic-com-rate-limits.yml - type: FinOps url: finops/lithic-com-finops.yml - url: https://www.lithic.com/blog type: Blog maintainers: - FN: Kin Lane email: kin@apievangelist.com