Payment.Type added to Payments endpoints

Release Date

August 19, 2025

Products Affected

ACH Payments

Impact

New field added to describe ACH Payment Type

Audience

All customers using Lithic ACH processing

Action Required

None, this change is additive only

Overview

To explicitly call out the type of NACHA-designated type of payment, Lithic's Payment APIs now include a type field which denotes this type.

Payment Type Values

For customers using ACH today, it will be one of the following 4 values:

ORIGINATION_DEBIT if you're pulling funds in from an External Bank Account
ORIGINATION_CREDIT if you're pushing funds out to an External Bank Account
RECEIPT_CREDIT if you've received funds from an external account
RECEIPT_DEBIT if you've had funds pulled out by an external account

More information on these Payment Types can be found in ACH Payment Lifecycle

Additional Details

The existing field direction indicates which way the funds are moving. However, the new type field provides greater distinction and makes direction redundant

direction = DEBIT implies that funds are moving into the Financial Account
direction = CREDIT implies that funds are moving out of the Financial Account

Example Responses

Origination Debit

{
    "category": "ACH",
    "status": "SETTLED",
    "result": "APPROVED",
    "method_attributes": {
        "sec_code": "WEB",
        "return_reason_code": null,
        "retries": 0,
        "company_id": null,
        "receipt_routing_number": null
    },
    "financial_account_token": "6127238d-cb85-50bc-86aa-264654a11be9",
    "external_bank_account_token": "07e15e42-0f74-469b-9150-0e2e748d1d7d",
    "direction": "DEBIT",
    "source": "CUSTOMER",
    "method": "ACH_SAME_DAY",
    "token": "6d5a2718-9b79-4473-aa1e-6bbf7433ea6f",
		"type": "ORIGINATION_DEBIT",
    "settled_amount": 10000,
    "pending_amount": 0,
    "currency": "USD",
    "events": [
        {
            "amount": 10000,
            "type": "ACH_ORIGINATION_INITIATED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-18T18:16:09Z",
            "token": "34c5b9d2-2d6a-540b-90fe-fa202b418242"
        },
        {
            "amount": 10000,
            "type": "ACH_ORIGINATION_REVIEWED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-18T18:17:40Z",
            "token": "5f6255f8-4016-5e66-aedf-2e3c76027e04"
        },
        {
            "amount": 10000,
            "type": "ACH_ORIGINATION_PROCESSED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-18T19:17:40Z",
            "token": "7eec03f2-2fac-4485-bc4b-0526d8bff3ba"
        },
        {
            "amount": 10000,
            "type": "ACH_ORIGINATION_SETTLED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-19T08:30:40Z",
            "token": "f7d208bc-1227-445d-a7c5-03e7e9cc15f9"
        },
        {
            "amount": 10000,
            "type": "ACH_ORIGINATION_RELEASED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-21T08:30:40Z",
            "token": "5f1b4d88-c883-4852-ae4a-ad699aa46ec1"
        }
    ],
    "descriptor": "Test Technologies",
    "user_defined_id": "1234",
    "created": "2024-04-18T18:16:09Z",
    "updated": "2024-04-19T16:38:22Z"
}

Receipt Credit

{
    "category": "ACH",
    "status": "SETTLED",
    "result": "APPROVED",
    "method_attributes": {
        "sec_code": "WEB",
        "return_reason_code": null,
        "retries": 0,
        "company_id": null,
        "receipt_routing_number": null
    },
    "financial_account_token": "6127238d-cb85-50bc-86aa-264654a11be9",
    "external_bank_account_token": "07e15e42-0f74-469b-9150-0e2e748d1d7d",
    "direction": "DEBIT",
    "source": "CUSTOMER",
    "method": "ACH_SAME_DAY",
    "token": "6d5a2718-9b79-4473-aa1e-6bbf7433ea6f",
    "type": "RECEIPT_CREDIT",
    "settled_amount": 10000,
    "pending_amount": 0,
    "currency": "USD",
    "events": [
        {
            "amount": 10000,
            "type": "ACH_RECEIPT_PROCESSED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-18T18:16:09Z",
            "token": "34c5b9d2-2d6a-540b-90fe-fa202b418242"
        },
        {
            "amount": 10000,
            "type": "ACH_RECEIPT_SETTLED",
            "result": "APPROVED",
            "detailed_results": ["APPROVED"],
            "created": "2024-04-18T18:17:40Z",
            "token": "5f6255f8-4016-5e66-aedf-2e3c76027e04"
        }
    ],
    "descriptor": "Test Technologies",
    "user_defined_id": "1234",
    "created": "2024-04-18T18:16:09Z",
    "updated": "2024-04-19T16:38:22Z"
}

Release Timeline

Production availability: August 19, 2025

User Impact

This change is additive only. Existing integrations will continue to function without modification, and the existing direction field will appear in the same way as before. The new type field simply provides an explicit callout to the payment type as defined by NACHA specs, to better understand ACH activity.

Updated Documentation

We've updated our ACH Payment API guide and Reference pages to reflect this change.

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

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