Approve a pending incoming payment

Approve a pending incoming payment that was previously acknowledged with a 202 response. This endpoint allows platforms to asynchronously approve payments after async processing.

POST /transactions/{transactionId}/approve

Approve a pending incoming payment

cURL

curl --request POST \
  --url https://api.lightspark.com/grid/2025-10-13/transactions/{transactionId}/approve \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "receiverCustomerInfo": {}
}
'

200

{
  "id": "Transaction:019542f5-b3e7-1d02-0000-000000000004",
  "status": "CREATED",
  "type": "INCOMING",
  "direction": "CREDIT",
  "destination": {
    "destinationType": "ACCOUNT",
    "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123",
    "currency": "EUR",
    "railDetails": {
      "paymentRail": "ONCHAIN",
      "transactionHash": "h82pJGF9p7kpzb6eU326EFZf2cDnimbTFVeJtx1qtBmUNJAEqN76R7PwPfHt3oWb8R6cKvhgyxQdDn53jFrK6wFx",
      "network": "SOLANA"
    },
    "onChainTransaction": {
      "transactionHash": "h82pJGF9p7kpzb6eU326EFZf2cDnimbTFVeJtx1qtBmUNJAEqN76R7PwPfHt3oWb8R6cKvhgyxQdDn53jFrK6wFx",
      "network": "SOLANA"
    }
  },
  "customerId": "Customer:019542f5-b3e7-1d02-0000-000000000001",
  "platformCustomerId": "18d3e5f7b4a9c2",
  "pendingReason": "COUNTERPARTY_DECLARATION_REQUIRED",
  "ruleBasedAccountId": "InternalAccount:019542f5-b3e7-1d02-0000-000000000011",
  "settledAt": "2025-08-15T14:30:00Z",
  "createdAt": "2025-08-15T14:25:18Z",
  "updatedAt": "2025-08-15T14:30:00Z",
  "receiptDeliveryConfirmedAt": "2025-08-15T14:31:00Z",
  "agentId": "Agent:019542f5-b3e7-1d02-0000-000000000042",
  "description": "Payment for invoice #1234",
  "sentAmount": {
    "amount": 12550,
    "currency": {
      "code": "USD",
      "name": "United States Dollar",
      "symbol": "$",
      "decimals": 2
    }
  },
  "exchangeRate": 1.08,
  "quoteId": "Quote:019542f5-b3e7-1d02-0000-000000000006",
  "refund": {
    "reference": "UMA-Q12345-REFUND",
    "initiatedAt": "2025-08-15T14:30:00Z",
    "status": "COMPLETED",
    "settledAt": "2025-08-15T14:35:00Z",
    "reason": "TRANSACTION_FAILED"
  },
  "counterpartyInformation": {
    "FULL_NAME": "John Sender",
    "BIRTH_DATE": "1985-06-15",
    "NATIONALITY": "DE"
  },
  "source": {
    "sourceType": "ACCOUNT",
    "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965",
    "currency": "USD",
    "railDetails": {
      "paymentRail": "ONCHAIN",
      "transactionHash": "h82pJGF9p7kpzb6eU326EFZf2cDnimbTFVeJtx1qtBmUNJAEqN76R7PwPfHt3oWb8R6cKvhgyxQdDn53jFrK6wFx",
      "network": "SOLANA"
    },
    "onChainTransaction": {
      "transactionHash": "h82pJGF9p7kpzb6eU326EFZf2cDnimbTFVeJtx1qtBmUNJAEqN76R7PwPfHt3oWb8R6cKvhgyxQdDn53jFrK6wFx",
      "network": "SOLANA"
    }
  },
  "receivedAmount": {
    "amount": 12550,
    "currency": {
      "code": "USD",
      "name": "United States Dollar",
      "symbol": "$",
      "decimals": 2
    }
  },
  "fees": 10,
  "reconciliationInstructions": {
    "reference": "UMA-Q12345-REF",
    "transactionHash": "0x9f2c6b6f4b6c8f2a8d9e0b1c2d3e4f5061728394a5b6c7d8e9f00112233445566"
  },
  "failureReason": "LNURLP_FAILED"
}

Authorizations

Authorization · string · header · required

API token authentication using format <api token id>:<api client secret>

Path Parameters

transactionId · string · required

Unique identifier of the transaction to approve

Body

application/json

receiverCustomerInfo · object

Information about the recipient, provided by the platform if requested in the original webhook via requestedReceiverCustomerInfoFields.

Response

200

application/json

Payment approved successfully

id · string · required

Unique identifier for the transaction

Example:

"Transaction:019542f5-b3e7-1d02-0000-000000000004"

status · enum<string> · required

Status of a payment transaction.

Status	Description
CREATED	Initial lookup has been created
PENDING	Quote has been created
PENDING_AUTHORIZATION	Awaiting Strong Customer Authentication. Only occurs for customers in a region where SCA is required (e.g. EU). The challenge is carried by the quote, not the transaction — fetch GET /quotes/{quoteId} using the transaction's quoteId, then authorize its scaChallenge via POST /quotes/{quoteId}/authorize.
PROCESSING	Funding has been received and payment initiated
COMPLETED	The funds are where settlement put them. A return that takes them back moves the transaction to FAILED, and the returned side's railDetails shows RETURNED. A transaction stays COMPLETED through a return only when a later step that can't be undone already used the funds
REJECTED	Receiving institution or wallet rejected payment, payment has been refunded
FAILED	The payment did not reach its destination, or the funds were sent back after it did. Not terminal for an incoming payment: a dishonored return restores the credit and moves it to COMPLETED. A returned payout stays FAILED, since it has already been refunded. Each step shows on the returned side's railDetails
REFUNDED	Deprecated. A refund is reported on the transaction's refund object, and the status stays FAILED
EXPIRED	Quote has expired. Terminal

Available options: CREATED, PENDING, PENDING_AUTHORIZATION, PROCESSING, COMPLETED, REJECTED, FAILED, REFUNDED, EXPIRED

type · enum<string> · required

Type of transaction

Available options: INCOMING

direction · enum<string> · required

Whether this transaction credits or debits the customer's account.

Available options: CREDIT, DEBIT

destination · Account Destination · object · required

Destination account details

Account Destination

UMA Address Destination

Show child attributes

customerId · string · required

System ID of the customer this transaction belongs to

Example:

"Customer:019542f5-b3e7-1d02-0000-000000000001"

platformCustomerId · string · required

Platform-specific ID of the customer this transaction belongs to

Example:

"18d3e5f7b4a9c2"

pendingReason · enum<string>

Present when compliance review or required customer action is delaying settlement.

Available options: COUNTERPARTY_DECLARATION_REQUIRED, WALLET_VERIFICATION_REQUIRED, COUNTERPARTY_INFORMATION_REQUIRED, COMPLIANCE_REVIEW

ruleBasedAccountId · string

The RULE_BASED internal account whose deposit this transaction sweeps. Present only on sweep transactions. For these, source describes the party that made the deposit when it is known, and is this account otherwise.

Example:

"InternalAccount:019542f5-b3e7-1d02-0000-000000000011"

settledAt · string<date-time>

When the payment was or will be settled

Example:

"2025-08-15T14:30:00Z"

createdAt · string<date-time>

When the transaction was created

Example:

"2025-08-15T14:25:18Z"

updatedAt · string<date-time>

When the transaction was last updated

Example:

"2025-08-15T14:30:00Z"

receiptDeliveryConfirmedAt · string<date-time>

The time at which the platform confirmed delivery of the receipt to their customer.

Example:

"2025-08-15T14:31:00Z"

agentId · string

If this transaction was initiated by an agent, the system-generated ID of that agent. Absent for platform-initiated transactions.

Example:

"Agent:019542f5-b3e7-1d02-0000-000000000042"

description · string

Optional memo or description for the payment

Example:

"Payment for invoice #1234"

sentAmount · object

Amount sent in the sender's currency

Show child attributes

exchangeRate · number

Number of sending currency units per receiving currency unit. The rate is fee-exclusive: Grid deducts fees from the sending amount before converting at this rate.

Example:

1.08

quoteId · string

The ID of the quote that was used to trigger this payment

Example:

"Quote:019542f5-b3e7-1d02-0000-000000000006"

refund · object

The refund if transaction was refunded.

Show child attributes

counterpartyInformation · object

Additional information about the counterparty, if available and relevant to the transaction and platform.

Example:

{
  "FULL_NAME": "John Sender",
  "BIRTH_DATE": "1985-06-15",
  "NATIONALITY": "DE"
}

source · Account Source · object

Source account details

Account Source

UMA Address Source

External Funding Source

Show child attributes

receivedAmount · object

Amount received in the recipient's currency. This is only absent for rule-based account sweeps if the sweep couldn't be quoted. It's always present otherwise.

Show child attributes

fees · integer<int64>

The total fees available from the receive quote in the smallest unit of the sending currency (eg. cents).

Required range: x >= 0

Example:

10

reconciliationInstructions · object

Included for all transactions except those with "CREATED" status

Show child attributes

failureReason · enum<string>

If the transaction failed, this field provides the reason for failure.

Available options: LNURLP_FAILED, PAY_REQUEST_FAILED, PAYMENT_APPROVAL_WEBHOOK_ERROR, PAYMENT_APPROVAL_TIMED_OUT, OFFRAMP_FAILED, MISSING_MANDATORY_PAYEE_DATA, QUOTE_EXPIRED, QUOTE_EXECUTION_FAILED, COMPLIANCE_REJECTED, COLLECTION_FAILED, SWEEP_AMOUNT_OUT_OF_RANGE, SWEEP_QUOTE_FAILED