Overview

Lithic has launched a new API which lets customers select the specified financial account that card transactions will post to. The reference page can be seen here.

Details

Only customers who opt into this during implementation + setup will be able to route their transactions to specified accounts. Customers who were set up with automatic postings will be unaffected.
Before customers select the specified financial_account, their transactions will be posted to a suspense account.
Transactions have a number of ledger account postings that happen throughout the lifecycle. Once the endpoint is posted to for a given transaction_token, all previous postings for that transaction will be transferred to the specified financial_account
- This will also determine the financial_account for all future postings for that transaction. Therefore, this is a one-time use endpoint per transaction_token. Subsequent calls with that transaction_token will be rejected.

Request

curl -X POST "https://api.lithic.com/v1/card_transactions/550e8400-e29b-41d4-a716-446655440000/route" \
    -H "Content-Type: application/json" \
    -H "Authorization: <AWS SigV4 signature>" \
    -d '{
      "financial_account_token": "f1a2b3c4-d5e6-47f8-9a0b-1c2d3e4f5a6b"
    }'

Successful Response

Successful response returns 202, with description: Accepted

Note that a successful response will result in a card_transaction.updated webhook, which will show the new ledgering requested.

Unsuccessful Responses

Status	Message	When
400	Instance is not modular secured charge	Instance isn't eligible for routing
400	Card transaction has already been routed to a different financial account	Endpoint has already been called for this `transaction_token`
404	Transaction not found	`transaction_token` doesn't resolve to a card transaction
404	Account not found	`financial_account_token` not owned by the instance
400	Cannot route to a closed financial account	Target account is closed

Release Timeline

Available now: June 16, 2026.

User Impact

This addition has no impact to live programs. For more information on Lithic's Ledger, head to our Ledger Solutions page

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

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