Lithic

What Lithic is

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.