Insanely Fast 

Issuing

Banking

Transfers

Issuing

Support

Reporting

For 

Fintechs

Neobanks

Enterprises

Payouts

Startups

Marketplaces

We build payments infrastructure for technology companies that just works
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Why Lithic

Closest

to the Metal

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

Graduation Path

Go live faster with one of our Full Stack offerings, then bring the bank relationship, money movement, and program management in-house as you scale.

Program Modularity

Get true flexibility when mixing and matching partners, funds flows, and infrastructure providers to power your unique product or business vision.

  • 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
    Catherine Unertl
    Head of Financial Partnerships at Mercury
  • Contact Sales

Build with a complete toolkit

Everything you need to build the credit, debit, or prepaid product you want
Virtual Card Issuance​

Programmatically generate transaction-ready virtual cards by making simple API calls. ​

Physical Card Issuance​

Issue templated or customized physical cards. Our partners provide card printing, shipping, and handling.

Complete Digital
Wallet Control

Configure your cards to be added to popular digital wallets and enable in-app push provisioning.

Money Movement

Initiate same-day and next-day ACH with routable virtual bank accounts.

Industry-Leading Dispute Management

A support team with a 96% win rate. Our Disputes API streamlines workflow and chargeback credits.

Authorization Decisioning

Build custom authorization logic to accept or decline transactions in real-time using rich transaction data.

To-The-Penny Reconciliation

Settlement and interchange details for all transactions via the API. Create reconciliation reports teams and banks love.

Flexible
KYC & KYB

Use our pre-built KYC and KYB modules or bring your own. Lithic works seamlessly with your existing set-up

Fraud
Protection

Identify and decline potentially fraudulent transactions with transaction-level fraud-risk scores and 3DS.

Dynamic
Spend Controls

Apply spend controls at transaction, cardholder, and account levels to restrict volume, MCCs, and more.

PCI
Compliance

Protect customers’ info by using Lithic’s PCI-compliant iFrame solution, and reduce your PCI DSS requirements.

Configurable 3DS

Ensure high card acceptance and control by letting Lithic decision on 3DS transactions or doing it yourself

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
OpenAPI Spec
Restful APIs
SDKs
Rich Documentation
Issuing Guides
Webhooks & Events
API-First
Status Page
Changelog
20min Quick-Start
High Availability
Technical Support
Dedicated Slack Channel
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();

Get Started

We build payments infrastructure for technology companies that just works
Explore Sandbox
Contact Sales

Latest Updates

Browse Latest Updates
New Milestone: $1B in Charge Card Transactional Volume
Company

Following hot on the heels of our Java client library, we’re excited to announce our Kotlin client library

Lithic Product Update: October 2023
Product

Following hot on the heels of our Java client library, we’re excited to announce our Kotlin client library