Accounts

Learn how to configure accounts in your card program to manage spend.

Account Schema

{
  "token": String,
  "state": String,
  "spend_limit": {
      "daily": Integer,
      "monthly": Integer,
      "lifetime": Integer
  },
  "auth_rule_tokens": List,
  "verification_address": Object,
  "account_holder": {
      "token": String,
      "phone_number": String,
      "email": String
  }  
}
tokenGlobally unique identifier for the account.
stateACTIVE, PAUSED, or CLOSED.
spend_limitSpend limit information for the user containing the daily, monthly, and lifetime spend limit of the account. Any charges to a card owned by this account will be declined once their transaction volume has surpassed the value in the applicable time limit (rolling). A lifetime limit of 0 indicates that the lifetime limit feature is disabled.
auth_rule_tokensList of tokens identifying any Auth Rules that apply to the account. Any Auth Rules that apply either at the account or program level will appear.
verification_addressObject containing the address associated with the account. At initial account creation, this address is based on the individual's address (for individual account holders) or business entity's address (for business account holders) passed in during the Create Account Holder call. If an AVS check is applied via an Auth Rule on transactions belonging to this account, this is the address that will be referenced.
account_holderAccount Holder Object mapped to the account.

Get Account Configuration(s)

API Reference: List accounts and Get account

Get details for all accounts or a specified account. This endpoint can only be used for accounts that are managed by the program associated with the calling API key. If account_token is passed in as a path parameter, the endpoint returns a single object representing the account specified. Otherwise, a list of objects is returned. To get a default account's configuration, pass in default instead of an account_token.

GET https://api.lithic.com/v1/accounts/{account_token}

Sample Request

curl https://api.lithic.com/v1/accounts/b68b7424-aa69-4cbc-a946-30d90181b621 \
    -H "Content-Type: application/json" \
    -H "Authorization: YOUR_API_KEY"

Sample Response

{
  "spend_limit": {
    "daily": 125000,
    "monthly": 500000,
    "lifetime": 0
  },
  "state": "ACTIVE",
  "token": "b68b7424-aa69-4cbc-a946-30d90181b621",
  "auth_rule_tokens": [
    "6397a416-bac6-464c-9647-b006f3a5f91d"
  ]
}
account_token (optional, path parameter)Globally unique identifier for the account. If using this parameter, do not include pagination parameters page and page_size.
String. Permitted values: 36-digit version 4 UUID (including hyphens).
page_size (optional, query parameter)For pagination - specifies the number of entries to be included on each page in the response. Default value is 50.
Integer. Permitted values: 1-1000.
page (optional, query parameter)For pagination - specifies the desired page to be included in the response. For example, if there are 3 total entries, and page_size is 2 (i.e., 2 entries per page), then entering the value 2 for page would return the second page and only the third entry. The default is one.
Integer. Permitted values: 1 or greater.

Update Account Configuration

API Reference: Update account

Update account configurations that impact transaction authorizations such as spend limits and a verification address checked in real-time during authorizations. Only fields included in the request will be updated.

This endpoint can only be used for accounts that are managed by the program associated with the calling API key. To update a default account's configuration, pass in default instead of an account_token. Accounts that are in the PAUSED state will not be able to transact or create new cards.

PATCH https://api.lithic.com/v1/accounts/{account_token}

Sample Request

curl https://api.lithic.com/v1/accounts/{account_token} \
  -X PATCH \
  -H "Authorization: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '
{
      "daily_spend_limit": 100000,
      "verification_address": {
         "address1": "124 Main Street",
         "city": "New York",
         "state": "NY",
         "postal_code": "10128",
         "country": "USA"
     }
}
'

Sample Response

{
  "spend_limit": {
    "daily": 100000,
    "monthly": 500000,
    "lifetime": 0
  },
  "state": "ACTIVE",
  "token": "b68b7424-aa69-4cbc-a946-30d90181b621",
  "auth_rule_tokens": [
    "6397a416-bac6-464c-9647-b006f3a5f91d"
  ],
   "verification_address": {
      "address1": "124 Main Street",
      "city": "New York",
      "state": "NY",
      "postal_code": "10128",
      "country": "USA" 
   }
}
account_token (optional, path parameter)Globally unique identifier for the account.
String. Permitted values: 36-digit version 4 UUID (including hyphens).
daily_spend_limit (optional)Amount (in cents) for the account's new daily spend limit.
Integer. Permitted values: 0 or greater.
monthly_spend_limit (optional)Amount (in cents) for the account's new monthly spend limit.
Integer. Permitted values: 0 or greater.
lifetime_spend_limit (optional)Amount (in cents) for the account's new lifetime limit. Once this limit is reached, no transactions will be accepted on any card created for this account until the limit is updated.
Integer. Permitted values: 0 or greater.
state (optional)Indicates whether or not the account is in an active state (i.e., transactions can be accepted on cards belonging to this account).
String. Permitted values: ACTIVE, PAUSED.
auth_rule_token (optional)Globally unique identifier for the Auth Rule to be applied to all transactions under the account.
String. Permitted values: 36-digit version 4 UUID (including hyphens).
verification_address (optional)Object containing the address associated with the account. If AVS checks are enabled (see Authorization Rules [Beta] for more detail), this is the address that will be checked during authorization. The default address contained in this object is based on the address passed in during the Create Account Holder call (individual's address for individual account holders and the control individual's address for business account holders).
Object. Permitted values: Valid address object.

Verification Address Schema

address1 (required)Valid deliverable address (no PO boxes).
String.
address2 (optional)Unit or apartment number (if applicable).
String.
city (required)City name.
String.
state (required)Valid state code. Only USA state codes are currently supported.
String. Permitted values: Uppercase ISO 3166-2 two-character abbreviation for USA addresses. For example, "CA" for California.
postal_code (required)Valid postal code. Only USA ZIP codes are currently supported.
String. Permitted values: 5 or 10 characters. For US addresses, either five-digit zipcode or nine-digit "ZIP+4".
country (required)Country name. Only USA is currently supported.
String. Permitted values: Uppercase ISO 3166-1 alpha-3 three-character abbreviation. For example, USA.

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