Transfer Limits + Utilization API now available

Overview

Customers can now view their program ACH limits, as well as their current utilization of those limits, by calling https://docs.lithic.com/reference/gettransferlimits

Details

Calling the API with no parameters returns a snapshot of individual transaction size limits, as well as daily and monthly limits. credit refers to the amount(s) that can be pushed, and debit refers to the amount(s) that can pulled. These amounts are always in cents.

{
      "company_id": "string",
      "is_fbo": true,
      "date": "2025-12-19",
      "program_limit_per_transaction": {
        "credit": {
          "limit": 2000000,
        },
        "debit": {
          "limit": 1000000,
        }
      },
      "daily_limit": {
        "credit": {
          "limit": 10000000,
          "amount_originated": 5708322
        },
        "debit": {
          "limit": 5000000,
          "amount_originated": 1352391
        }
      },
      "monthly_limit": {
        "credit": {
          "limit": 300000000,
          "amount_originated": 57083227
        },
        "debit": {
          "limit": 150000000,
          "amount_originated": 13523914
        }
      }
    }
  ]
}

date can be provide as a query parameter:

• If no date is provided in the endpoint
  • limit values will be for the current day
  • daily_limit.amount_originated will be for the current day
  • monthly_limit.amount_originated will be for the current month
• If a date is provided that is earlier in the current month (i.e 2025-12-10)
  • limit values will be what they were on that specified day
  • daily_limit.amount_originated will be for the specified day
  • monthly_limit.amount_originated will be for the current month (December)
• if a date is provided that is a previous month (i.e 2025-11-20)
  • limit values will be what they were on that specified day
  • daily_limit.amount_originated will be for the specified day
  • monthly_limit.amount_originated will be for that specified month (November)

Release Timeline

Available now

User Impact

This change is additive only. Transfer Limits are set internally by Lithic and your sponsor bank, and cannot be edited through these endpoints.

Updated Documentation

For detailed information about ACH origination, visit our ACH Quick Start Guide

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

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