Lithic
Payment card issuance software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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- Information technology and software
- Education and training
- Retail and wholesale
What is Lithic
Lithic is an API-based payment card issuing platform that enables companies to create and manage virtual and physical card programs. It is used by fintechs, marketplaces, and enterprises that need programmatic control over card creation, authorization rules, and cardholder management. The product focuses on developer workflows, configurable spend controls, and integration with banking/processing partners to support card program operations.
API-first issuing and controls
Lithic provides developer-oriented APIs to issue cards and manage card lifecycle events programmatically. It supports configurable authorization controls (for example, spend limits and merchant/category restrictions) that can be applied at the card or account level. This design fits teams building embedded card experiences into their own applications rather than relying on manual back-office processes.
Virtual and physical card support
The platform supports both virtual cards and physical cards, enabling use cases such as online payments, expense cards, and embedded payouts-to-card experiences. Card lifecycle functions (creation, replacement, termination) are exposed through APIs to automate operations. This breadth helps teams run a single issuing stack across multiple card form factors.
Program operations tooling
Lithic includes tooling and workflows that support ongoing program operations, such as cardholder management and transaction monitoring/handling via events and webhooks. These capabilities reduce the amount of custom infrastructure required to keep card programs in sync with internal systems. For organizations scaling card volume, this can simplify operational integration compared with more manual issuing setups.
Primarily focused on issuing
Lithic’s core product is card issuance rather than a full-stack payments suite that covers acquiring, omnichannel acceptance, and broad alternative payment methods. Organizations looking for a single provider for both acceptance and issuing may need additional vendors. This can increase integration and vendor-management overhead.
Geography and program eligibility constraints
Card issuing programs depend on supported countries, BIN sponsorship, and compliance requirements that vary by region and use case. As a result, not all business models or geographies may be eligible or available under the same terms. Buyers typically need a detailed feasibility review for their target markets and program structure.
Requires technical implementation capacity
The product is designed for API integration and ongoing engineering ownership of card program logic and user experiences. Teams without strong developer resources may find implementation and maintenance more demanding than turnkey corporate card or expense products. Operational readiness (disputes, customer support, compliance processes) also remains the buyer’s responsibility to design and staff.
Plan & Pricing
Pricing model: Pay-as-you-go / usage-based Free tier/trial: Sandbox (developer/testing environment) available; no public time-limited trial disclosed on site. Example costs:
- Network Risk Scores (Auth Stream Access): $0.0025 per transaction (pass-through network fee).
- Card creation: described by Lithic as "a few cents each" for active cards (no specific public per-card amount listed). Discount options: Custom pricing / volume and commitment discounts are handled via sales (pricing determined per program). Notes: Many specific fee types (card create, card delivery, account maintenance, currency conversion, etc.) are documented as fee categories in Lithic's documentation, but public per-item prices are not published; production pricing requires a volume & pricing agreement with sales.
Seller details
Lithic, Inc.
New York, NY, USA
2014
Private
https://lithic.com
https://x.com/lithic
https://www.linkedin.com/company/lithic/
