Lithic

Visit site Alternatives

Score6.3

Rank#5 of 20

Free planNo

Runs onAPI, Web

Summary

Lithic is an issuer processing platform for developers building card programs, money movement, and program operations. It supports debit, prepaid, charge, and revolving credit programs, including physical, virtual, and tokenized cards. Authorization rules can set spending limits by merchant category, amount, transaction velocity, time of day, and other criteria. The platform connects directly to Visa, Mastercard, and American Express through one processing integration, and provides ACH transfers, virtual and routable accounts, Federal Reserve connectivity, and ledger-based reconciliation. Tools for fraud and identity work include KYC/KYB workflows, 3DS authentication, shadow mode, backtesting, and client decisioning through Authorization Stream Access. Lithic can also handle sponsor-bank operations, network onboarding, compliance, card fulfillment, and reporting. It offers 24/7/365 cardholder support through chat, email, phone, and IVR as a program service. Each account includes a free Sandbox API key; production access requires an account enabled for that environment. Pricing is available by custom quote, based on transaction volume and required features.

Who it is for

Lithic is aimed at businesses building card programs, including credit, disbursement, and digital banking use cases. It may suit teams that need issuing, money movement, and program management through API and web access.

What is good

Supports debit, prepaid, charge, and revolving credit
Offers physical, virtual, and tokenized cards
Connects to three card networks through one integration
Sandbox API key comes with every account
Includes KYC/KYB workflows and 3DS authentication

What to know first

Production API access requires an enabled account
Pricing requires a custom quote
Cardholder support is provided as a program service

Verdict

Lithic brings card issuing, money movement, controls, and program operations into a developer-facing platform. Businesses should request a quote and account enablement details to assess production access and pricing.

Lithic plans and pricing

All plans

Custom quote Not published Pricing depends on transaction volume and features needed · Contact sales for a custom quote docs.lithic.com · 1 Oct 2026

Compared on card issuing platforms

Virtual cards: Yeslithic.com
Physical cards: Yeslithic.com
Issuing API: Yeslithic.com
Spend controls: Yeslithic.com
Funding and balances: Yeslithic.com
Card program support: enterpriselithic.com
KYC/KYB tools: Yeslithic.com

Facts

What it does: Lithic is a developer-friendly issuer processing platform for card issuing, money movement, and program management.lithic.com · 1 Oct 2026
Card types: Lithic supports debit, prepaid, charge, and revolving credit programs, with physical, virtual, and tokenized cards.lithic.com · 1 Oct 2026
Card controls: Its authorization rules can restrict spending by merchant category, amount, velocity, time of day, and other criteria.lithic.com · 1 Oct 2026
Wallet provisioning: Lithic supports manual, in-app, and web-push provisioning to digital wallets and manages merchant network tokens by API.lithic.com · 1 Oct 2026
Network integrations: Lithic connects directly to Visa, Mastercard, and American Express networks through one processing integration.lithic.com · 1 Oct 2026
Money movement: The platform provides ACH transfers, virtual and routable accounts, Federal Reserve connectivity, and ledger-based reconciliation.lithic.com · 1 Oct 2026
Fraud prevention: Lithic offers KYC/KYB workflows, 3DS authentication, authorization rules, shadow mode, backtesting, and client decisioning through Authorization Stream Access.lithic.com · 1 Oct 2026
Program management: Lithic can manage sponsor-bank operations, network onboarding, regulatory compliance, card fulfillment, and reporting.lithic.com · 1 Oct 2026
Customer support: Lithic provides 24/7/365 cardholder support through chat, email, phone, and IVR as a program service.lithic.com · 1 Oct 2026
Security and compliance: Lithic states that its security program aligns with SOC 1, SOC 2, ISO 27001, and PCI DSS.trust.lithic.com · 1 Oct 2026
Availability: Lithic advertises 99.99%+ uptime with no scheduled downtime.lithic.com · 1 Oct 2026
Sandbox: Every account comes with a Sandbox API key, and the Sandbox is free, supports all API endpoints, and is intended for development and testing.docs.lithic.com · 1 Oct 2026
Production access: A Production API key is available when an account is enabled for the production environment.docs.lithic.com · 1 Oct 2026
Business audience: Lithic says it powers card programs for more than 100 clients across use cases including credit, disbursements, and digital banking.lithic.com · 1 Oct 2026