---
agentTools:
  projectIndex: https://docs.lithic.com/llms.txt
---

# Transfer Limits + Utilization API now available

<Cards columns={5}>
  <Card title="Release Date" icon="fa-calendar">
    December 18, 2025
  </Card>

  <Card title="Products Affected" icon="fa-cube">
    ACH Payments
  </Card>

  <Card title="Impact" icon="fa-exclamation-circle">
    Transfer Limits and Utilization API now available
  </Card>

  <Card title="Audience" icon="fa-users">
    Customers using ACH Origination
  </Card>

  <Card title="Action Required" icon="fa-tasks">
    None
  </Card>
</Cards>

## 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.

```json
{
      "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
        }
      }
    }
  ]
}
```

<br />

`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)

<br />

## 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](https://docs.lithic.com/docs/quick-start-ach-originations)

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

***

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