Platform
Accounts & Money Movement

Manage Funds With
Routable or Virtual Accounts

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ACH

Leverage same-day and standard ACH with the latest cut-off times in the industry (up to 11:59PM ET) and access all six ACH windows. Programmatically originate and manage ACH transfers through our APIs and customize the structure of your account hierarchy.

Virtual & Routable Accounts

Create and manage wallets and routable accounts that support your unique funds flow in our platform. Send and receive payments, manage cash flow, and reconcile transactions—all from a single, centralized platform.

Account Opening & Onboarding

Programmatically open accounts for your users with built-in compliance. Have your users complete the entire onboarding process online, from submitting personal information to verifying identity documents.

Why do companies choose Lithic for Banking?

Move Money Securely

Verify external account ownership via Plaid, micro-deposits, and ACH prenotes. Rely on a proven platform with over $10B in ACH processed.

Virtual or Routable Accounts

Routable accounts provide full routing and account numbers to support external ACH money movement, while virtual accounts are funded by internal transfer from your program account. Choose what’s best for your use case.

A True System of Record

Leverage Lithic's native banking core as the system of record for balances and transactions, streamlining reconciliation and compliance. Surface data instantly through Lithic’s API or dashboard.

Read Our Expert Guides

Fintech Guide to Bank Identification Numbers (BINs)

When you’re building a card program, one of the first major sets of decisions you’ll make is around Bank Identification Number (BIN) sponsorship.

Fintech Guide to Bank Partners and Sponsors

Bank partnerships are a critical part of most US fintech offerings. In this guide, we'll help you navigate the process of selecting a sponsor bank partner for your fintech.

What is Interchange? How Fintechs Earn Interchange Revenue from Credit and Debit Cards

Interchange is a major revenue driver for many fintechs. Companies that offer card products are growing revenue rapidly and securing massive valuations, such as Brex ($12.3B valuation) and Ramp ($8.1B valuation). Much of that revenue growth is due to interchange.

Want a payments platform that helps you as you grow?

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