New Account Activity API + Transactions Family Attribute

Release Date

July 29, 2025

Products Affected

Financial Accounts API

Impact

New Account Activity API and Transaction Family Attribute

Audience

All customers

Action Required

None

Overview

New account activity APIs have been added to better understand all of the transactions which affected a financial account. It can also be used with no query parameters to get all transactions across your program.

In addition, we've added a new family attribute which categorizes transactions at the highest level.

Details

Account Activity is a polymorphic API which returns different kinds of transactions across all any kind of family

GET /v1/account_activity can be used in the following ways:

Without scope (default): Returns all recent transactions across your program's financial accounts, paginated
With parameters in scope: Returns all recent transactions which affected the specified financial_account, business_account_token, category, status, orresult

GET /v1/account_activity/{token} can also be used to return the individual details of any transaction family.

The new family attribute is the highest level classifier for a financial transaction, which affects a financial account.

family will be one of :

CARD
PAYMENT
TRANSFER
EXTERNAL_PAYMENT
MANAGEMENT_OPERATION

family will now be seen in List Book Transfers, List Card Transactions, List Management Operations, List Payments, and Account Activity endpoints

Example 1: List All Transactions for a specified financial account

GET /v1/account_activity?financial_account_token=a583eaef-f06d-5edb-afcc-923f2bb0173f

{
    "data": [
        {
            "family": "PAYMENT",
            "status": "PENDING",
            "token": "53f653fa-aabe-5e22-87c8-a56bf2eeefa1",
            "created": "2025-06-16T12:10:34Z",
            "updated": "2025-06-16T12:10:43Z",
            "category": "ACH",
            "result": "APPROVED",
            "method_attributes": {
                "sec_code": "CCD",
                "return_reason_code": null,
                "retries": 0,
                "company_id": "1239567890",
                "receipt_routing_number": null,
                "trace_numbers": [],
                "addenda": null
            },
            "financial_account_token": "a583eaef-f06d-5edb-afcc-923f2bb0173f",
            "external_bank_account_token": "43f6c043-2ab0-4fb2-8753-6a3647c96680",
            "direction": "DEBIT",
            "source": "LITHIC",
            "method": "ACH_NEXT_DAY",
            "settled_amount": 0,
            "pending_amount": 82,
            "currency": "USD",
            "events": [
                {
                    "amount": 82,
                    "type": "ACH_ORIGINATION_INITIATED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:10:34Z",
                    "token": "4acbe7d9-d5dd-57ab-a71f-998fc4cb8d26",
                    "detailed_results": [
                        "APPROVED"
                    ]
                },
                {
                    "amount": 82,
                    "type": "ACH_ORIGINATION_REVIEWED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:10:43Z",
                    "token": "101b56fc-46c0-526f-9733-179f18d727d9",
                    "detailed_results": [
                        "APPROVED"
                    ]
                }
            ],
            "descriptor": "Micro-deposit verification for 43f6c043-2ab0-4fb2-8753-6a3647c96680 - debit",
            "user_defined_id": null,
            "expected_release_date": null
        },
        {
            "family": "PAYMENT",
            "status": "PENDING",
            "token": "1ea5b263-5afc-5090-b195-314ce46a32a1",
            "created": "2025-06-16T12:10:34Z",
            "updated": "2025-06-16T12:10:43Z",
            "category": "ACH",
            "result": "APPROVED",
            "method_attributes": {
                "sec_code": "CCD",
                "return_reason_code": null,
                "retries": 0,
                "company_id": "1239567890",
                "receipt_routing_number": null,
                "trace_numbers": [],
                "addenda": null
            },
            "financial_account_token": "a583eaef-f06d-5edb-afcc-923f2bb0173f",
            "external_bank_account_token": "43f6c043-2ab0-4fb2-8753-6a3647c96680",
            "direction": "CREDIT",
            "source": "LITHIC",
            "method": "ACH_NEXT_DAY",
            "settled_amount": 0,
            "pending_amount": -20,
            "currency": "USD",
            "events": [
                {
                    "amount": -20,
                    "type": "ACH_ORIGINATION_INITIATED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:10:34Z",
                    "token": "5dd20cdd-3343-59a6-a7c6-3f6e5005eca5",
                    "detailed_results": [
                        "APPROVED"
                    ]
                },
                {
                    "amount": -20,
                    "type": "ACH_ORIGINATION_REVIEWED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:10:43Z",
                    "token": "a0253284-c1c3-5c61-9a82-e2741c728291",
                    "detailed_results": [
                        "APPROVED"
                    ]
                }
            ],
            "descriptor": "Micro-deposit verification for 43f6c043-2ab0-4fb2-8753-6a3647c96680 - credit2",
            "user_defined_id": null,
            "expected_release_date": null
        },
        {
            "family": "PAYMENT",
            "status": "PENDING",
            "token": "17f233eb-b36e-50c4-8f1c-9a8af933edba",
            "created": "2025-06-16T12:10:34Z",
            "updated": "2025-06-16T12:10:43Z",
            "category": "ACH",
            "result": "APPROVED",
            "method_attributes": {
                "sec_code": "CCD",
                "return_reason_code": null,
                "retries": 0,
                "company_id": "1239567890",
                "receipt_routing_number": null,
                "trace_numbers": [],
                "addenda": null
            },
            "financial_account_token": "a583eaef-f06d-5edb-afcc-923f2bb0173f",
            "external_bank_account_token": "43f6c043-2ab0-4fb2-8753-6a3647c96680",
            "direction": "CREDIT",
            "source": "LITHIC",
            "method": "ACH_NEXT_DAY",
            "settled_amount": 0,
            "pending_amount": -62,
            "currency": "USD",
            "events": [
                {
                    "amount": -62,
                    "type": "ACH_ORIGINATION_INITIATED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:10:34Z",
                    "token": "380898e5-dd1b-5aa1-b372-9847e6025205",
                    "detailed_results": [
                        "APPROVED"
                    ]
                },
                {
                    "amount": -62,
                    "type": "ACH_ORIGINATION_REVIEWED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:10:43Z",
                    "token": "a5899b57-9426-5b4f-8d10-83e1009a6e54",
                    "detailed_results": [
                        "APPROVED"
                    ]
                }
            ],
            "descriptor": "Micro-deposit verification for 43f6c043-2ab0-4fb2-8753-6a3647c96680 - credit1",
            "user_defined_id": null,
            "expected_release_date": null
        },
        {
            "family": "PAYMENT",
            "status": "SETTLED",
            "token": "1ce9c9e0-a985-5bf6-9acf-1a9a3fbabc9b",
            "created": "2025-06-16T12:00:34Z",
            "updated": "2025-06-16T12:00:45Z",
            "category": "ACH",
            "result": "APPROVED",
            "method_attributes": {
                "sec_code": "CCD",
                "return_reason_code": null,
                "retries": 0,
                "company_id": "1239567890",
                "receipt_routing_number": null,
                "trace_numbers": [],
                "addenda": null
            },
            "financial_account_token": "a583eaef-f06d-5edb-afcc-923f2bb0173f",
            "external_bank_account_token": "942b56d7-a532-456c-b40d-7b1234eb3d98",
            "direction": "CREDIT",
            "source": "LITHIC",
            "method": "ACH_NEXT_DAY",
            "settled_amount": 0,
            "pending_amount": 0,
            "currency": "USD",
            "events": [
                {
                    "amount": 0,
                    "type": "ACH_ORIGINATION_INITIATED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:00:34Z",
                    "token": "e9100a31-eff2-5cf7-886a-a9190dfcd2d0",
                    "detailed_results": [
                        "APPROVED"
                    ]
                },
                {
                    "amount": 0,
                    "type": "ACH_ORIGINATION_REVIEWED",
                    "result": "APPROVED",
                    "created": "2025-06-16T12:00:44Z",
                    "token": "23e037b4-067c-5e24-ae69-4d504c20aa59",
                    "detailed_results": [
                        "APPROVED"
                    ]
                }
            ],
            "descriptor": "Prenote verification for 942b56d7-a532-456c-b40d-7b1234eb3d98",
            "user_defined_id": null,
            "expected_release_date": null
        }
    ],
    "has_more": false
}

Example 2: List Transaction details of any `family`

GET /v1/account_activity/53f653fa-aabe-5e22-87c8-a56bf2eeefa1:

{
    "family": "PAYMENT",
    "status": "PENDING",
    "token": "53f653fa-aabe-5e22-87c8-a56bf2eeefa1",
    "created": "2025-06-16T12:10:34Z",
    "updated": "2025-06-16T12:10:43Z",
    "category": "ACH",
    "result": "APPROVED",
    "method_attributes": {
        "sec_code": "CCD",
        "return_reason_code": null,
        "retries": 0,
        "company_id": "1239567890",
        "receipt_routing_number": null,
        "trace_numbers": [],
        "addenda": null
    },
    "financial_account_token": "a583eaef-f06d-5edb-afcc-923f2bb0173f",
    "external_bank_account_token": "43f6c043-2ab0-4fb2-8753-6a3647c96680",
    "direction": "DEBIT",
    "source": "LITHIC",
    "method": "ACH_NEXT_DAY",
    "settled_amount": 0,
    "pending_amount": 82,
    "currency": "USD",
    "events": [
        {
            "amount": 82,
            "type": "ACH_ORIGINATION_INITIATED",
            "result": "APPROVED",
            "created": "2025-06-16T12:10:34Z",
            "token": "4acbe7d9-d5dd-57ab-a71f-998fc4cb8d26",
            "detailed_results": [
                "APPROVED"
            ]
        },
        {
            "amount": 82,
            "type": "ACH_ORIGINATION_REVIEWED",
            "result": "APPROVED",
            "created": "2025-06-16T12:10:43Z",
            "token": "101b56fc-46c0-526f-9733-179f18d727d9",
            "detailed_results": [
                "APPROVED"
            ]
        }
    ],
    "descriptor": "Micro-deposit verification for 43f6c043-2ab0-4fb2-8753-6a3647c96680 - debit",
    "user_defined_id": null,
    "expected_release_date": null
}

Example 3: List Payments now includes `family` attribute

GET /v1/payments:

{
    "data": [
        {
            "family": "PAYMENT",
            "status": "PENDING",
            "token": "901a00ab-f16a-4d96-80df-a1caa26613e7",
            "created": "2025-06-12T21:46:51Z",
            "updated": "2025-06-12T21:46:51Z",
            "category": "WIRE",
            "result": "APPROVED",
            "method_attributes": {
                "wire_transfer_type": "CUSTOMER_TRANSFER",
                "previous_transfer": null,
                "lithic_individual_name": "Marcin at Lithic",
                "lithic_bank_name": "Lithic PB",
                "lithic_bank_routing_number": null,
                "external_individual_name": "Marg at Chase",
                "external_bank_name": "Chase",
                "external_bank_routing_number": null
            },
            "financial_account_token": "5381aa0b-24d9-5af2-bb8b-64352ac0e932",
            "external_bank_account_token": "ddcb5f90-74c7-4016-8f87-602a31eebae0",
            "direction": "CREDIT",
            "source": "LITHIC",
            "method": "WIRE",
            "settled_amount": 0,
            "pending_amount": -92,
            "currency": "USD",
            "events": [
                {
                    "amount": -92,
                    "type": "WIRE_TRANSFER_OUTBOUND_INITIATED",
                    "result": "APPROVED",
                    "created": "2025-06-12T21:46:51Z",
                    "token": "fc2438a8-46b7-52b8-96f2-fcb5c6cda5ad",
                    "detailed_results": [
                        "APPROVED"
                    ]
                }
            ],
            "descriptor": "yo sup",
            "user_defined_id": null,
            "expected_release_date": null
        },
        {
            "family": "PAYMENT",
            "status": "SETTLED",
            "token": "fcaff41c-d5c0-46e0-a76b-96d26bd94f93",
            "created": "2023-02-21T23:32:54Z",
            "updated": "2023-02-21T23:32:55Z",
            "category": "ACH",
            "result": "APPROVED",
            "method_attributes": {
                "sec_code": "CCD",
                "return_reason_code": null,
                "retries": 0,
                "company_id": null,
                "receipt_routing_number": null,
                "trace_numbers": [],
                "addenda": null
            },
            "financial_account_token": "5381aa0b-24d9-5af2-bb8b-64352ac0e932",
            "external_bank_account_token": null,
            "direction": "CREDIT",
            "source": "LITHIC",
            "method": "ACH_NEXT_DAY",
            "settled_amount": -100,
            "pending_amount": 0,
            "currency": "USD",
            "events": [
                {
                    "amount": -100,
                    "type": "ACH_ORIGINATION_INITIATED",
                    "result": "APPROVED",
                    "created": "2023-02-21T23:32:54Z",
                    "token": "186db2b2-1e4b-52fb-9164-cd4c635f078b",
                    "detailed_results": [
                        "APPROVED"
                    ]
                },
                {
                    "amount": -100,
                    "type": "ACH_ORIGINATION_RELEASED",
                    "result": "APPROVED",
                    "created": "2023-02-21T23:32:55Z",
                    "token": "7fb13c2f-eda5-5e42-a869-322828d1ace5",
                    "detailed_results": [
                        "APPROVED"
                    ]
                }
            ],
            "descriptor": "withdraw_pending_origination_funds",
            "user_defined_id": null,
            "expected_release_date": null
        }
    ],
    "has_more": false
}

Release Timeline

Available now

User Impact

This change is additive only. Both the account_activity endpoints and the family parameter are additional, so existing integrations continue to work without modification.

Updated Documentation

For updated API information, visit our API Reference.

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

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