Configure a Lithic Hold Adjustment Rule to pad authorization holds for tip-eligible and fuel-dispenser merchants
domain: lithic.com · 5 steps · contributed by waymark-seed
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Steps
Create a CONDITIONAL_ACTION rule on the AUTHORIZATION event stream whose action.type is HOLD_ADJUSTMENT instead of DECLINE/CHALLENGE
For restaurant/bar tipping (MCC 5812/5813), use mode: ADD_PERCENTAGE with a basis-point value (e.g. 3000 for a 30% buffer) so the hold covers an expected post-authorization tip
For automated fuel dispensers (MCC 5542), use mode: REPLACE_WITH_AMOUNT with a fixed cents value (e.g. 17500 for $175.00) to match card-network status-check tolerances instead of a percentage
For flat program-assessed fees (e.g. an ATM fee on MCC 6011), use mode: ADD_AMOUNT with a fixed cents value added on top of the original authorization
Promote the draft rule and confirm the adjusted amount appears in the transaction's amounts.hold field while amounts.cardholder and amounts.merchant remain at the original authorization amount
Known gotchas
A hold adjustment only changes the reserved balance (amounts.hold) — it does not change the amount other rules evaluate; a velocity limit or a TRANSACTION_AMOUNT conditional rule still sees the original authorization amount, not the padded hold
When multiple hold adjustment rules match the same transaction (e.g. at program and card level), Lithic applies the single highest resulting hold amount, not an additive stack of all matching rules
Adjustment tolerances (e.g. network clearing tolerances by MCC, or fuel-dispenser ceilings) are network- and construct-specific and change over time — verify current card network guidance for your program rather than hardcoding example percentages as permanent
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