openapi: 3.0.3
info:
  title: Lithic 3DS External Bank Account API
  description: The Lithic API is a card issuing and issuer-processor platform for issuing virtual and physical cards, authorizing and clearing transactions, moving money across ledgered financial accounts, and managing the full card lifecycle - KYC/KYB account holder onboarding, authorization rules and real-time Auth Stream Access (ASA) decisioning, disputes, tokenization into digital wallets, 3DS authentication, ACH payments, book transfers, external payments, settlement reporting, and fraud/transaction monitoring. This document curates the real, published Lithic OpenAPI 3.1 definitions (https://github.com/lithic-com/lithic-openapi) into the endpoint surface referenced by this apis.yml, expressed as OpenAPI 3.0.3 with lightweight response schemas. Requests are authenticated with an API key sent as the raw value of the Authorization header (not a Bearer token).
  version: 1.0.0
  contact:
    name: Lithic
    url: https://www.lithic.com
  license:
    name: Apache 2.0
    url: https://www.apache.org/licenses/LICENSE-2.0.txt
servers:
- url: https://api.lithic.com
  description: Production
- url: https://sandbox.lithic.com
  description: Sandbox (mirrors production functionality)
security:
- ApiKeyAuth: []
tags:
- name: External Bank Account
  description: External bank accounts used for ACH payments, with prenote and micro-deposit verification.
paths:
  /v1/external_bank_accounts:
    get:
      operationId: searchExternalBankAccounts
      tags:
      - External Bank Account
      summary: List external bank accounts
      description: List all the external bank accounts for the provided search criteria.
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
    post:
      operationId: createExternalBankAccount
      tags:
      - External Bank Account
      summary: Create external bank account
      description: Creates an external bank account within a program or Lithic account.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}:
    get:
      operationId: getExternalBankAccountByToken
      tags:
      - External Bank Account
      summary: Get external bank account by token
      description: Get the external bank account by token.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
    patch:
      operationId: patchExternalBankAccountByToken
      tags:
      - External Bank Account
      summary: Update external bank account
      description: Update the external bank account by token.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/micro_deposits:
    post:
      operationId: verifyExternalBankAccountByMicroDeposits
      tags:
      - External Bank Account
      summary: Verify external bank account via micro deposit amounts
      description: Verify the external bank account by providing the micro deposit amounts.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/pause:
    post:
      operationId: pauseExternalBankAccount
      tags:
      - External Bank Account
      summary: Pause external bank account
      description: Pause an external bank account
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/retry_micro_deposits:
    post:
      operationId: retryMicroDeposit
      tags:
      - External Bank Account
      summary: Retry external bank account via micro deposit
      description: Retry external bank account micro deposit verification.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/retry_prenote:
    post:
      operationId: retryPrenote
      tags:
      - External Bank Account
      summary: Retry external bank account via prenote
      description: Retry external bank account prenote verification.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/set_verification_method:
    post:
      operationId: setVerificationMethod
      tags:
      - External Bank Account
      summary: Set verification method
      description: Update the verification method for an external bank account. Verification method can only be updated if the `verification_state` is `PENDING`.
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              additionalProperties: true
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
  /v1/external_bank_accounts/{external_bank_account_token}/unpause:
    post:
      operationId: unpauseExternalBankAccount
      tags:
      - External Bank Account
      summary: Unpause external bank account
      description: Unpause an external bank account
      parameters:
      - name: external_bank_account_token
        in: path
        required: true
        description: The token identifying the external_bank_account_token.
        schema:
          type: string
      responses:
        '200':
          description: Successful response.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ExternalBankAccount'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/ValidationError'
components:
  schemas:
    ExternalBankAccount:
      type: object
      description: External bank accounts used for ACH payments, with prenote and micro-deposit verification.
      properties:
        token:
          type: string
          format: uuid
          description: Globally unique identifier for the object.
        created:
          type: string
          format: date-time
      additionalProperties: true
  responses:
    ValidationError:
      description: The request failed validation.
    Unauthorized:
      description: Missing or invalid API key.
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: Authorization
      description: Raw API secret key value (not prefixed with "Bearer").