Skip to content
SPECIFICTION
Get listed

Lithic

lithic.com

WebAPI
Visit lithic.com
Spec score 7.3 #10 of 22 in Card Issuing Platforms

What it is

Lithic is an issuer processing platform for businesses building card programs, moving money, and managing program operations. It supports debit, prepaid, charge, and revolving credit programs with physical, virtual, and tokenized cards. Authorization rules can restrict spending by merchant category, amount, transaction velocity, time of day, and other criteria. Lithic connects 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. Identity and fraud tools include KYC/KYB workflows, 3DS authentication, shadow mode, backtesting, and client decisioning through Authorization Stream Access. Program services can include sponsor-bank operations, network onboarding, regulatory compliance, card fulfillment, reporting, and 24/7/365 cardholder support across chat, email, phone, and IVR. The platform is available through API and web. Each account includes a free Sandbox API key for development and testing; production access requires an account enabled for that environment. Pricing is by custom quote, based on transaction volume and required features.

Spec sheet

What it does
Lithic is a developer-friendly issuer processing platform for card issuing, money movement, and program management.Read 1 Oct 2026 · lithic.com
Headquarters
New York, New York, United StatesRead 28 Sep 2026 · lithic.com
Founded
2021Read 28 Sep 2026 · lithic.com
Availability
Lithic advertises 99.99%+ uptime with no scheduled downtime.Read 1 Oct 2026 · lithic.com
Business audience
Lithic says it powers card programs for more than 100 clients across use cases including credit, disbursements, and digital banking.Read 1 Oct 2026 · lithic.com
Card controls
Its authorization rules can restrict spending by merchant category, amount, velocity, time of day, and other criteria.Read 1 Oct 2026 · lithic.com
Card types
Lithic supports debit, prepaid, charge, and revolving credit programs, with physical, virtual, and tokenized cards.Read 1 Oct 2026 · lithic.com
Customer support
Lithic provides 24/7/365 cardholder support through chat, email, phone, and IVR as a program service.Read 1 Oct 2026 · lithic.com
Fraud prevention
Lithic offers KYC/KYB workflows, 3DS authentication, authorization rules, shadow mode, backtesting, and client decisioning through Authorization Stream Access.Read 1 Oct 2026 · lithic.com
Money movement
The platform provides ACH transfers, virtual and routable accounts, Federal Reserve connectivity, and ledger-based reconciliation.Read 1 Oct 2026 · lithic.com
Network integrations
Lithic connects directly to Visa, Mastercard, and American Express networks through one processing integration.Read 1 Oct 2026 · lithic.com
Production access
A Production API key is available when an account is enabled for the production environment.Read 1 Oct 2026 · docs.lithic.com
Program management
Lithic can manage sponsor-bank operations, network onboarding, regulatory compliance, card fulfillment, and reporting.Read 1 Oct 2026 · lithic.com
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.Read 1 Oct 2026 · docs.lithic.com
Security and compliance
Lithic states that its security program aligns with SOC 1, SOC 2, ISO 27001, and PCI DSS.Read 1 Oct 2026 · trust.lithic.com
Wallet provisioning
Lithic supports manual, in-app, and web-push provisioning to digital wallets and manages merchant network tokens by API.Read 1 Oct 2026 · lithic.com

Plans and prices

Custom quote Priced on request Pricing depends on transaction volume and features needed · Contact sales for a custom quote Read 1 Oct 2026 · docs.lithic.com

Every Lithic plan and price →

Strong points and limits

Strong points

  • Supports four card program types
  • Connects to three card networks through one integration
  • Provides ACH transfers and routable accounts
  • Includes KYC/KYB and 3DS tools
  • Sandbox API key comes with every account

Limits

  • Pricing depends on transaction volume and features
  • Production access requires an enabled account

Who it suits

Lithic suits businesses building card programs that need issuing, money movement, and program management through API or web. Its Sandbox also serves teams developing and testing against its API endpoints.

Verdict

Lithic brings card issuing, money movement, and program services into one platform, with a free Sandbox for development. Production pricing requires a custom quote, and production API access depends on account enablement.

Where Specifiction places it

Alternatives to LithicAll alternatives →