Enroll User (Enterprise)

API reference: Enroll a new consumer account

Enroll a new account into the program managed by the API key. This endpoint runs the candidate enrollment through the Customer Identification Program (CIP) and returns an account_token if successful.

POST https://api.lithic.com/v1/enroll/consumer

Sample Request

curl https://api.lithic.com/v1/enroll/consumer \
  -X POST \
  -H "Authorization: api-key YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"first_name":"Johnny","last_name":"AppleSeed","dob":"1990-06-28","street1":"123 Main Street","postal_code":"10128","phone_number":"2124007676","email":"[email protected]","ssn":"000-00-3333","tos_timestamp":"2021-01-01"}'

Sample Responses

KYC Success

{
    "data": {
        "account_token": "ecbd1d58-0299-48b3-84da-6ed7f5bf9ec1",
        "kyc": {
            "success": true
        },
        "result": "ACCEPTED"
    }
}

KYC Failure

{
    "data": {
        "kyc": {
            "failure_reasons": [
                "SSN_VERIFICATION_FAILURE",
                "DOB_VERIFICATION_FAILURE"
            ],
            "success": false
        },
        "result": "REJECTED"
    }
}


dob	Date of birth, as an ISO 8601 date
email	If utilizing Lithic for chargeback processing, this customer email address may be used to communicate dispute status and resolution.
first_name	Customer's given, first name
kyc_passed_timestamp	An ISO 8601 timestamp at which precomputed KYC was completed. The field is required only if run_kyc is set to false.
kyc_type	Specifies the KYC workflow to run on the person for which the account is being created. Review the KYC Type enumeration section for more information.
last_name	Customer's surname (family name)
phone_number	Customer's phone number in E.164 format. This may improve the chances of a positive identity match and successful API response.
ssn	Full-nine SSN with or without hyphens. Required for identity verification and compliance with US banking regulations
street1	Valid USPS routable address †
street2 (optional)	Unit number (if applicable)
tos_timestamp	An ISO 8601 timestamp at which Lithic's terms of service were accepted by customer.
postal_code	Five digit postal code or nine digit "ZIP+4" †

† street1 and postal_code will be used to perform address verification if authorization requests include a billing address. It's important to ensure this address is kept current to avoid possible declines.

KYC Type

This enumeration is used to specify the KYC workflow to use.


BASIC	Lithic Basic-tier KYC. Offers simple identity verification with no yellow-path remediation or document upload.
PRECHECKED	Bypass Lithic KYC. Only usable by customers with KYC processes approved by Lithic.

KYC Failure Reasons

When a KYC evaluation fails, one or more of the following failure reasons will be returned in the response.


ADDRESS_VERIFICATION_FAILURE	The address provided could not be matched.
AGE_THRESHOLD_FAILURE	The user did not fall within an acceptable age range. Typically this indicates a COPPA alert.
BANKRUPTCY_RELATED_FAILURE	The user has a chapter 7 or 13 bankruptcy on record.
BLOCKLIST_ALERT_FAILURE	The user appeared on one or more blocklists. Contact Lithic support for more information.
COMPLETE_VERIFICATION_FAILURE	The user could not be matched to a person in any data source.
DATA_STRENGTH_FAILURE	The user's public record has insufficient info that can be used for verification.
DOB_VERIFICATION_FAILURE	The date of birth provided could not be matched.
EMAIL_VERIFICATION_FAILURE	The email provided is not valid or is improperly formatted.
MULTIPLE_RECORDS_FAILURE	The user has several valid records with conflicting information.
NAME_VERIFICATION_FAILURE	The name provided could not be matched.
OTHER_VERIFICATION_FAILURE	The user was rejected for a reason other than one specified above. Contact Lithic support for more information.
PHONE_VERIFICATION_FAILURE	The phone number provided could not be matched.
RISK_THRESHOLD_FAILURE	The user was flagged for high risk of fraud.
SSN_VERIFICATION_FAILURE	The social security number provided could not be matched.

Simulating KYC Failures in Sandbox

See Simulating KYC Failures.