Insanely Fast Card Issuing

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We’re powering card payments and money movement for some of the world’s leading products. Simply and reliably.

Why do companies choose Lithic?

Direct Network Integrations

Direct Visa and Mastercard network integrations and a native core system mean fewer third party dependencies, happier developers, better economics, and easier implementations.

True Platform Scalability

Lithic is the only platform where you can go live with a program managed offering and then take control of your stack as you scale. Or you can become your own program manager on day one.

Full Stack Freedom

Mix and match partners and infrastructure providers to power your unique product and business vision. Our flexible API allows you to pick your sponsor bank, ledger, and KYC/KYB flows.

“Lithic has been a best-in-class partner. They’ve been reliable, intuitive, and customer-focused, and their modular approach has enabled us to handle scale with ease. All of that has meant using Lithic for new card products was an easy decision.”

Catherine Unertl
Head of Financial Partnerships at Mercury

Everything you need to build 
the payments product you want.

Programmatically generate transaction-ready virtual cards by making simple API calls. ​
Virtual Card Issuance​
Issue templated or customized physical cards. Our partners provide card printing, shipping, and handling.
Physical Card Issuance​
Configure your cards to be added to popular digital wallets and enable in-app push provisioning.
Complete Digital Wallet Control
Initiate same-day and next-day ACH with routable virtual bank accounts.
ACH & Money Movement
A support team with a 96% win rate. Our Disputes API streamlines workflow and chargeback credits.
Best-In-Class Dispute Management
Build custom authorization logic to accept or decline transactions in real-time using rich transaction data.
Authorization Decisioning
Settlement and interchange details for all transactions via the API. Create reconciliation reports teams and banks love.
To-The-Penny Reporting
Use our pre-built KYC and KYB modules or bring your own. Lithic works seamlessly with your existing set-up
Flexible KYC & KYB
Identify and decline potentially fraudulent transactions with transaction-level fraud-risk scores and 3DS.
Fraud Protection
Apply spend controls at transaction, cardholder, and account levels to restrict volume, MCCs, and more.
Dynamic Spend Controls
Protect customers’ info by using Lithic’s PCI-compliant iFrame solution, and reduce your PCI DSS requirements.
PCI Compliance
Embed accounts directly into your product, hold balances, enable transfers, all with our native banking core.
Scalable Virtual Accounts

Developer Experience

Lithic was born of our own technical needs when we launched a virtual card product in 2014. From day one, we experienced first-hand how painful APIs, documentation, dashboards, and customer support could be if executed poorly.

Full-Featured Sandbox
20min Quick-Start
OpenAPI Spec
SDKs
Rich Documentation
Webhooks & Events
API-First
Changelog
High Uptime
Technical Support
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import Lithic from 'lithic';

const lithic = new Lithic({
  apiKey: 'my api key',
  environment: 'sandbox',
});

async function main() {
  const params: Lithic.CardCreateParams = {
    type: 'VIRTUAL'
  };
  const card: Lithic.Card =
    await lithic.cards.create(params);
}

main();

Want a payments platform that
helps you as you grow?

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