Overview

• The Canopy Lithic Integration allows Canopy to automatically wrap calls to the Lithic API when you use Canopy as normal.
  • When a borrower is onboarded; Canopy will automatically create their corresponding card in Lithic
  • When the borrower uses their card, Canopy will subscribe to the authorization request and handle authorization based on the available credit on the account.
  • When transaction states change in Lithic, Canopy’s ledger will update those transaction states in sync.
• From your perspective:
  • You set your Lithic API keys in Canopy
  • You onboard borrowers into Canopy as normal per our core workflows
    • When onboarding borrowers, you need to pass a few extra details necessary for card creation in Lithic
  • You do not need to write any code to call Create Charge or update charge line items in Canopy; we will handle this by subscribing to Lithic’s webhooks
  • Canopy supports all Authorization and Settlement transaction types (such as Partial Authorization and Incremental Clearing) as well as Adjustment Events (such as Merchant Credits and Dispute Handling)
    • Whenever an authorization request is processed by Canopy, our system creates the new line item and sets the Line Item Status as AUTHORIZED .
      • (To better understand line item statuses in Canopy, check out this document External: Line Item Statuses)
    • Updates to this authorization request are sent by Lithic and processed by Canopy, mapping the various transaction states in Lithic to internal Canopy line item statuses
      • For example, SETTLED authorizations map to VALID line items in Canopy
      • VOIDED and EXPIRED to line item VOID
      • DECLINED to DECLINED
    • Canopy supports all transaction types listed under
    • Canopy automatically updates the transaction amount based on whatever was received from Lithic during settlement.
    • Canopy is also able to perform a CHARGE_REVERSAL whenever Lithic suggests the authorization needs to be reversed.
      • For example, SETTLED authorizations map to VALID line items in Canopy
      • DECLINED to DECLINED

Technical:

There is only one easy step to getting the issuer-processor integration set up:

1. To get started, Generate a set of API keys in the Lithic dashboard, and store these in Canopy by passing a lithic_config to the PUT /organizations/issuer_processors endpoint in Canopy. Canopy is now equipped to communicate with Lithic on your behalf.

That’s it! - Your Lithic Integration is now running. You can use Canopy as normal.

Here’s what to expect now that your integration is set up:

• Accounts
  • In all Create Account API requests to Canopy, you should now expect to see an issuer_processor details and cards section in the response
  • In the Get requests to all accounts, you should now see issuer_processor details and card details in the response
• Line Items
  • In all line items created by the Lithic integration, you should see issuer_processor_details included in the Get request that includes transaction data.
• Lithic Dashboard:
  • You should see all cards created by Canopy, and all transactions in your Lithic Dashboard whenever customers use their cards.