The credit your customers deserve



Take charge of your credit programs
Struggling to balance your risk plan with fast and easy cardholder UX? Lithic’s robust fraud controls and streamlined spend features keep everyone happy.
Generic credit programs won’t cut it today. Lithic’s flexible card design and customizable rewards let you build unique credit experiences.
Don’t miss out on data to optimize your program. Lithic’s enhanced transaction data provides insights that drive smarter business decisions.
Sophisticated technology for streamlined solutions

Launch and manage powerful credit solutions without huge technical lift.
Utilize Lithic’s immutable commercial charge and revolving ledgers
Onboard integrated consumer loan management system channel partners
Lean on expert compliance and regulatory management
Feel in control with self-service webhooks, APIs, and implementation guides

Create adaptable programs to stay ahead of market curves.
Configure APR-based or pay-in-full repayment terms
Set dynamic credit limits & APRs that adapt to cardholder needs
Offer secured and unsecured card options
Protect your cardholders with world-class fraud controls.
Deliver seamless cardholder onboarding and identity verification
Protect users with intelligent authorization and transaction decisioning rules
Enable frictionless 3DS authentication and challenge flows
Set granular card and account level spend controls
Exceed expectations and drive lasting loyalty.
Accelerate spend with instant digital issuance and wallet provisioning
Delight cardholders with flexible rewards earn and redemption structures
Provide proactive fraud alerts and spend controls
Ensure around-the-clock, insanely fast transaction processing
Everything you need to build what you want
Pre-integrated partnerships with leading consumer LMS providers
Extensible, to-the-penny reconciliation commercial credit ledgers
Advanced risk management suite with customizable authorization controls
Modern API infrastructure with industry-leading uptime and reliability
Enhanced L2/L3 commercial transaction data
Self-serve webhooks, APIs, and dashboard
Unified charge and revolving card issuing solutions
Digital-first card and spend management features
Agile solutions for diverse credit use cases

Transform corporate spending with real-time visibility, customizable controls, and seamless accounting integrations that simplify expense management for card programs of all sizes.

Streamline vehicle expenses with specialized fleet cards offering enhanced data capture for fuel and maintenance while maintaining precise spending controls.

Create distinctive co-branded credit experiences that strengthen customer relationships, enhance your brand, and generate new revenue streams.

Design compelling rewards programs that adapt to customer behaviors, driving engagement and retention through flexible incentive structures.
Learn how innovative companies are transforming their credit programs with Lithic
Lithic helped scale this neobank’s card program to handle large transaction volumes, support multiple bank partners, and implement flawless reconciliation.
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Lithic has surpassed our product expectations and has handled hundreds of millions of dollars of monthly volume without issue. We trust their tech and value their deep cards expertise that we can tap into.”

Frequently asked questions
Lithic supports both charge cards and revolving credit programs through a single issuing gateway. We provide program management services for commercial charge programs and an in-house immutable ledger for commercial revolving credit. We support all consumer credit through established ledger management system partnerships and Lithic's core infrastructure.
Lithic enables programs to adapt to changing market conditions through customizable parameters including repayment terms, credit limits, and APR settings tailored to each cardholder. These flexible configurations allow credit issuers to quickly adjust their offerings in response to competitive pressures or shifting economic factors while maintaining appropriate risk controls.
Cardholders enjoy a digital-first experience with web and mobile provisioning that enables immediate card access upon approval. The platform delivers consistent transaction reliability through high acceptance rates, while maintaining security through proactive fraud alerts and authorization rules that minimize declines for legitimate purchases.
Commercial charge programs benefit from customizable statement period terms and configurable funds flow options that optimize working capital. Lithic's advanced reconciliation capabilities provide to-the-penny accuracy for transaction settlement, giving program managers precise control over payment timing and financial reporting.
For commercial charge programs, Lithic handles bank due diligence, approvals, and reporting requirements through program management services. All credit programs benefit from Lithic's technical infrastructure and established banking relationships that streamline integration, reducing the complexity typically associated with launching credit products.