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No. 9 of 20 ·Card Issuing Platforms

Lithic

Web · API

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Freedom report

One barScore 5.4

  • Free tierNo free tier on record
  • Open codeNo open-source code on record
  • Runs widely1 of 6 device platforms
  • DocumentedPlans, terms and facts published

Lithic is an issuer processing platform for businesses building card programs, moving money, and managing program operations. Available through API and web, 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. The platform 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. Risk and identity tools include KYC/KYB workflows, 3DS authentication, shadow mode, backtesting, and client decisioning through Authorization Stream Access. Lithic can also manage sponsor-bank operations, network onboarding, regulatory compliance, card fulfillment, and reporting. Each account includes a free Sandbox API key supporting all API endpoints; production requires an account enabled for that environment. Pricing is on request and depends on transaction volume and needed features. Lithic was founded in 2021 and is headquartered in New York, New York, United States.

Who it is for

Lithic is aimed at businesses and developers building card programs or money movement services. Its program management, risk tools, and enterprise cardholder support may suit teams that need those services alongside issuing infrastructure.

What is good

  • Supports debit, prepaid, charge, and revolving credit.
  • Connects to three card networks through one integration.
  • Sandbox includes all API endpoints.
  • Offers 24/7/365 cardholder support as a program service.

What to know first

  • Pricing is available by custom quote only.
  • Production API access requires an enabled account.
  • Card program support is enterprise.

Verdict

Lithic combines card issuing, payment movement, controls, and program operations in an API and web platform. Businesses should request pricing based on their transaction volume and required features.

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
Yes
Physical cards
Yes
Issuing API
Yes
Spend controls
Yes
Funding and balances
Yes
Card program support
enterprise
KYC/KYB tools
Yes

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