Webhooks are notifications about API events, sent as they occur. Lithic’s transaction messages are the main vehicle through which live transaction handling is performed. Each message will contain a full transaction object (the same schema as returned by the List transactions endpoint in the message body.
Transaction messages can generally be separated along two dimensions: financial vs. non-financial messages, and requests vs. advice.
Financial messages prompt movement of funds between accounts (e.g., a clearing message that prompts an ACH debit from the user's connected account), while non-financial messages don’t prompt movement of funds (e.g., an authorization request that induces a hold on funds but doesn’t trigger a payment to the merchant until the transaction is settled). Authorization holds should be temporary, as transactions that are subsequently declined will have the associated funds returned to the end-user for future use.
On the other axis, requests are messages that require a response (i.e. approval or decline) to Lithic, while advice messages don’t require a response other than a notification that the advice was received.
Lithic provides two webhook services that provide access to different types of messages:
Updated 3 months ago