Added Bank Identifier to Transfer Limits Object

Release Date

October 20, 2026

Products Affected

Lithic-processed Payments

Impact

Programs with multiple banks can have separate transfer limits

Audience

Customers who use Lithic-processed payments

Action Required

None

Overview

Lithic now supports multiple sponsor banks from within the same instance, allowing programs to fund and issue cards across both. As a result, transfer limits for ACH originations and active usage are viewable for all sponsor banks in a given instance.

Details

Sponsor banks are identified using financial_entity_id in the Get Transfer Limits Response:

{
  "data": [
    {
      "company_id": "1234567890",
      "financial_entity_id": "9f9022cb-af99-42ab-83f8-9449adee182c",
      "is_fbo": true,
      "date": "2026-11-03",
      "program_limit_per_transaction": {
        "credit": { "limit": 2500000, "amount_originated": null },
        "debit": { "limit": 2500000, "amount_originated": null }
      },
      "daily_limit": {
        "credit": { "limit": 10000000, "amount_originated": 3250000 },
        "debit": { "limit": 10000000, "amount_originated": 1875000 }
      },
      "monthly_limit": {
        "credit": { "limit": 200000000, "amount_originated": 48210000 },
        "debit": { "limit": 200000000, "amount_originated": 22950000 }
      }
    },
    {
      "company_id": "1234567890",
      "financial_entity_id": "4c1e7d2a-5b8f-4e3a-9d61-2f7a0b3c8e15",
      "is_fbo": true,
      "date": "2026-11-03",
      "program_limit_per_transaction": {
        "credit": { "limit": 5000000, "amount_originated": null },
        "debit": { "limit": 1000000, "amount_originated": null }
      },
      "daily_limit": {
        "credit": { "limit": 25000000, "amount_orig
        "debit": { "limit": 5000000, "amount_originated": 420000 }
      },
      "monthly_limit": {
        "credit": { "limit": 500000000, "amount_ori
        "debit": { "limit": 100000000, "amount_originated": 9800000 }
      }
    }
  ],
  "has_more": false
}

💡
Bank Identification
During implementations, your Lithic representative will inform the sponsor bank which corresponds to each financial_entity_id .

Release Timeline

Production availability: October 20, 2026

User Impact

This change is additive only. Existing Transfer Limit setups with only one sponsor bank will continue to function as normal

Updated Documentation

For more details on the Transfer Limits endpoint, please see here

If you have any questions or concerns, please contact us via the HELP link in your Lithic Dashboard.

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