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Lithic
New York, New York, United States
What it is
Lithic is a developer-focused issuer processing platform for card issuing, money movement, and program management. It supports debit, prepaid, charge, and revolving credit programs with physical, virtual, and tokenized cards. Authorization rules can limit spending by merchant category, amount, velocity, time of day, and other criteria. Lithic connects directly to Visa, Mastercard, and American Express through one processing integration. Money-movement tools include ACH transfers, virtual and routable accounts, Federal Reserve connectivity, and ledger-based reconciliation. KYC/KYB workflows, 3DS authentication, shadow mode, backtesting, and client decisioning support fraud controls. Lithic can manage sponsor-bank operations, network onboarding, compliance, fulfillment, and reporting. Each account includes a free Sandbox API key covering all API endpoints for development and testing; production access requires an enabled account. Pricing is by custom quote based on transaction volume and needed features.
For and against
For
- Physical, virtual, and tokenized card programs
- Spending rules by category and timing
- Visa, Mastercard, and AmEx connectivity
- Free Sandbox API with all endpoints
- KYC/KYB and 3DS tools
Against
- Production pricing requires a custom quote
- Production API access requires an enabled account
- Designed for business card programs
The verdict
Lithic provides issuing, money movement, controls, and program operations through one platform. Teams should discuss transaction volume, required features, and production enablement with sales.
Who it suits
Lithic suits businesses and developers building card programs, disbursements, digital banking, or other money-movement products. It is offered through API and web, with enterprise program support.
Plans and prices
Custom quote
Pricing depends on transaction volume and features needed · Contact sales for a custom quote
Read 1 Oct 2026 · docs.lithic.com
On the record
- Availability
- Lithic advertises 99.99%+ uptime with no scheduled downtime.lithic.com · read 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 · read 1 Oct 2026
- Card controls
- Its authorization rules can restrict spending by merchant category, amount, velocity, time of day, and other criteria.lithic.com · read 1 Oct 2026
- Card types
- Lithic supports debit, prepaid, charge, and revolving credit programs, with physical, virtual, and tokenized cards.lithic.com · read 1 Oct 2026
- Customer support
- Lithic provides 24/7/365 cardholder support through chat, email, phone, and IVR as a program service.lithic.com · read 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 · read 1 Oct 2026
- Money movement
- The platform provides ACH transfers, virtual and routable accounts, Federal Reserve connectivity, and ledger-based reconciliation.lithic.com · read 1 Oct 2026
- Network integrations
- Lithic connects directly to Visa, Mastercard, and American Express networks through one processing integration.lithic.com · read 1 Oct 2026
- Production access
- A Production API key is available when an account is enabled for the production environment.docs.lithic.com · read 1 Oct 2026
- Program management
- Lithic can manage sponsor-bank operations, network onboarding, regulatory compliance, card fulfillment, and reporting.lithic.com · read 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 · read 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 · read 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 · read 1 Oct 2026
- What it does
- Lithic is a developer-friendly issuer processing platform for card issuing, money movement, and program management.lithic.com · read 1 Oct 2026
