Build loyalty programs customers actually use
Power spend-based rewards with flexible earn structures, dynamic redemption options, and real-time point tracking that drives top-of-wallet behavior.
Drive loyalty with immediate value
Generic rewards programs fail to change behavior. Lithic’s real-time earn and redemption infrastructure lets you deliver instant gratification—points post immediately, cashback appears in real-time, and rewards are always available to spend.
Design differentiated programs
Not all cards are created equal. Lithic's flexible infrastructure lets you build distinctive loyalty experiences—from custom card designs to unique earn mechanics—that make your card program memorable and keep it top-of-wallet.
Optimize for scale and performance
Reward your cardholders and your bottom line. Lithic's precise transaction data and robust ledgering let you configure earn rates by merchant category, spending tier, or customer segment—maximizing engagement while controlling program costs.
Platform Capabilities
Launch debit or credit rewards card programs in weeks. Enable real-time rewards earn and redemption. Give cardholders instant visibility into rewards balance and spending behavior. All with 99.99%+ uptime and sub-100ms authorization times.
Flexible Rewards Configuration
Our extensible ledger tracks balances with to-the-penny accuracy and reconciles spend in real-time, giving you the foundation to build diverse rewards programs: flat cashback rates, tiered point multipliers, category bonuses, or merchant-specific rewards.
Dynamic Redemption Options
Support multiple redemption models—statement credits that reduce balances automatically, instant transfers to external accounts, partner rewards catalogs, or direct spending from rewards balance.
Real-Time Rewards Tracking
Cardholders see rewards post immediately after each transaction. Provide real-time balance visibility through APIs that integrate seamlessly with your mobile app or web experience.
Rich Transaction Data
Every transaction includes detailed merchant information, category codes, and spending patterns. Use this data to optimize earn structures, create personalized reward offers, and configure Authorization Rules that enhance program performance.
Core Features
Multi-Level Account Structures
Support complex account hierarchies where rewards can be earned and redeemed at the card or account level. Enable business accounts with employee cards or multi-card programs where rewards pool to a primary account.
Comprehensive Fraud Prevention
Integrated 3DS decisioning, token management for merchant-saved credentials, digital wallet controls, and real-time fraud alerts.
Program Segmentation
Run different rewards structures for different customer segments. Issue distinct card products with unique earn rates, redemption options, and benefits tailored to customer value and behavior.
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, handle disputes and chargebacks
- Reset PINs and manage security
- Generate custom reports
