Insanely Fast Card Issuing for Innovators

Why Lithic

Insanely Fast

Our customers say, "Lithic’s performance is the best in terms of card issuing speed… It's even less than one second while other providers take up to more than five seconds to issue a card."

Insanely Powerful

You’ll have fewer third-party dependencies, happier developers, and easier implementations with our direct network (Visa and Mastercard) integrations and native core system.

Insanely Flexible

You won’t be locked into inefficient partners or infrastructure providers since our modular issuer processor platform lets you choose who you want to power your unique product and 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
Head of Financial Partnerships at Mercury
Contact Sales

Build with a complete toolkit

Everything you need to build the charge, credit, debit, or prepaid product you want.

Virtual Card Issuance

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

Physical Card Issuance

Get a templated physical card in days, not months, or go direct to a printer and get a totally customized card.

Complete Digital Wallet Control

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

Money Movement

Get your money faster with the latest cut-off windows in the industry. Initiate same-day and standard ACH originations.

Industry-Leading Dispute Management

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

Authorization Decisioning

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

To-The-Penny Reporting

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 & KYB modules. 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.

Routable Bank Accounts

Embed accounts directly into your product, hold balances, and enable transfers, all with our native banking core.

Made for Developers and Innovators

Lithic was born of our own technical needs when we launched a virtual card product in 2014.

Wanting to bring a breath of fresh air to the issuing space, we built clean, intuitive APIs and snappy, responsive dashboards with reporting your finance team will love.

We also developed support to rave about, realizing our mission that card issuing should be easier and more accessible to all.

Full-Featured Sandbox

OpenAPI Spec

SDKs

Rich Documentation

Webhooks & Events

API-First

Changelog

High Uptime

Technical Support

Dedicated Slack Channel

Try Sandbox

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();

Latest Updates

Browse Latest Updates

How to Go Direct to a Sponsor Bank

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

Lithic Product Update: July 2024