Streamline insurance claims payouts and reconciliation
Replace paper checks with digital payments that accelerate claims resolution, improve customer satisfaction, and provide complete visibility.
Accelerate claims satisfaction
Waiting weeks for checks damages customer trust during vulnerable moments. Lithic's instant virtual card issuance means claimants access funds immediately after approval, turning claims resolution into a competitive differentiator.
Reduce operational overhead
Paper checks require printing, mailing, tracking, and reconciliation. Lithic's digital disbursements eliminate these costs while providing real-time visibility into payout status and automatic reconciliation.
Maintain compliance with flexibility
Insurance payouts require precise tracking and audit trails. Lithic's enhanced transaction data captures every detail while giving you the flexibility to customize disbursement controls for different claim types.
Platform Capabilities
Launch prepaid card programs in weeks. Issue unlimited virtual cards instantly for insurance claims and payouts. Give claimants immediate access to funds with flexible redemption options. All with 99.99%+ uptime and sub-100ms authorization times.
Instant Virtual & Physical Cards
Issue virtual cards instantly for immediate claims access. Physical cards ship while claimants start spending. Every card tokenizes for Apple Pay, Google Pay, and Samsung Pay.
Flexible Disbursement Controls
Build the payout experience your claimants need with Lithic's Authorization Rules. Set spending restrictions, transaction limits, and expiration policies based on claim type. Test rules in shadow mode before going live.
Real-Time Payout Tracking
Track every transaction with real-time data. Monitor claim disbursements, analyze spending patterns, and reconcile funds automatically with to-the-penny accuracy.
Single-Use & Multi-Use Cards
Issue single-use virtual cards for one-time claims or multi-use cards for ongoing payment needs. Set custom spend limits and expiration dates at the card level for complete control.
Core Features
Instant Digital Issuance
Launch cards in seconds via API or dashboard. Claimants access card credentials immediately—no waiting for checks to clear or physical cards to arrive.
Custom Branding Options
White-label cards with your insurance brand. Customize both physical card design and digital card presentation for a seamless brand experience during the claims process.
Program Segmentation
Run multiple payout programs simultaneously. Segment by claim type, coverage level, or recipient audience with distinct cards and controls for each.
Built for developers, loved by business teams
Integrate once and access everything: card creation, transaction monitoring, spend controls, reporting, and reconciliation—all through RESTful APIs with comprehensive documentation.
- Complete API documentation at docs.lithic.com
- Official SDKs (Node.js, Python, Java, Kotlin, Go, Ruby)
- Sandbox environment with unlimited testing
- Real-time webhooks for every event
Non-technical team members can manage critical operations without developer support:
- Create and manage cards and view transaction details
- Configure authorization rules for different claim types
- Handle disputes and chargebacks
- Reset PINs, manage security, and generate custom reports
