How long does implementation take?

Most programs launch in 8-12 weeks from contract signing.

Can I bring my own sponsor bank?

Yes. Lithic integrates with your existing banking partners or we can connect you with partners from our network of 25+ banks.

What card networks do you support?

Lithic maintains direct connections to Visa, Mastercard, and American Express as well as a number of secondary networks.

Do you support international programs?

Yes. Lithic supports domestic and international issuing, including multi-network access (Visa, Mastercard, Amex).

Can I transition from Lithic program management to self-managed?

Yes. Start with full program management and graduate to self-managed operations as your team grows.

Expense Management

Give businesses scalable spending control

Build differentiated expense management solutions with modern card issuing infrastructure. Launch faster, control spending better, and scale with confidence.

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Real-time visibility replaces guesswork

Traditional expense management means waiting days for reconciliation. Lithic's real-time transaction data and webhooks give you instant visibility into every dollar spent, enabling proactive budget management instead of reactive cleanup.

Granular controls without complexity

Every business has unique spending policies. Lithic's flexible Authorization Rules let you configure precise controls by employee, department, or time period without requiring engineering support for every policy change.

Scale without operational burden

Growing from 50 to 5,000 employees shouldn't require rebuilding your expense infrastructure. Lithic's platform handles unlimited card creation, complex org hierarchies, and multi-entity structures while maintaining consistent performance.

Platform Capabilities

Launch commercial card programs in months. Issue unlimited virtual cards instantly. Give employees real-time access with granular spending controls. All with 99.99%+ uptime and sub-100ms authorization times.

Instant Virtual & Physical Cards

Issue virtual cards instantly for immediate use. Physical cards ship while employees start spending. Every card tokenizes for Apple Pay, Google Pay, and Samsung Pay.

Sophisticated Spend Controls

Build the controls your customers need with Lithic's Authorization Rules. Test rules in shadow mode against real transactions before going live and push changes instantly without engineering support.

Real-Time Transaction Data

Stream enhanced commercial data—line-item details, tax breakdowns, supplier information. Get to-the-penny reconciliation with automated daily settlement reporting.

Authorization Stream Access

Take complete control of authorization decisions. Receive every transaction request in real-time and approve or decline based on your data—purchase orders, employee status, custom fraud models. All within 100ms.

Core Features

Multi-User Account Hierarchies

Support complex org structures with parent-child accounts that mirror business units and departments. Centralized visibility with distributed control.

Comprehensive Fraud Prevention

Integrated 3DS decisioning, token management for merchant-saved credentials, digital wallet controls, and real-time fraud alerts.

Flexible Program Structure

Launch commercial debit, charge, or revolving credit programs. Bring your own sponsor bank or leverage our network of 25+ banking partners.

Built for developers, loved by business teams

Modern API-First Architecture

Integrate once and access everything: card creation, transaction monitoring, spend controls, reporting, and reconciliation—all through RESTful APIs with comprehensive documentation.