Flexible Card Issuing Solutions for Developers

Why 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.

Scalable Card Platform

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.

Customizable Infrastructure

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
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();