Learn about webhooks and transaction types.

Transaction messages can generally be separated along two dimensions: financial vs. non-financial messages, and requests vs. advice.

RequestsMessage that requires a response but does not move money (e.g., authorization)Message that requires a response and moves money (e.g., financial authorization)
AdviceInformational message that does not move money (e.g., auth advice)Informational message that moves money (e.g., clearing)

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.