Lithic

What is Lithic?

Lithic is a card issuer processing platform for developers and banks that offers APIs for card issuing, accounts and money movement. The vendor says it is a fintech company, not a bank.

Key features of Lithic

• Card issuing: credit, debit and prepaid cards, with instant issuance and mobile provisioning.
• Accounts and payment hub: virtual and routable accounts, ACH and wire, and a settlement API.
• Processing: direct network connections, multi-currency and real-time reconciliation.
• Fraud and risk controls: identity verification, tokenization control and authorization decisioning.
• Program management: offloads bank, network and compliance operations.
• Developer tools: docs, sandbox, SDKs, changelog and an MCP server.

How Lithic works

Developers start in the sandbox, then issue cards and open accounts through the API. Lithic connects directly to card networks and handles processing, reconciliation and controls. Program Services add cardholder support, disputes and chargebacks.

Who uses Lithic?

Lithic lists companies such as Atlas, Mercury, MoonPay, Novo and Order.co among its logos. Use cases include expense management, bill pay, travel, rewards and insurance payouts. It reports 99.99%+ uptime, SOC 2 Type 2, PCI DSS and ISO 27001.

Lithic pricing

Lithic does not publish pricing on its homepage or pricing page; it offers a contact form and a sandbox signup.

Lithic integrations

Lithic connects directly to American Express, Mastercard and Visa. It also provides SDKs and an MCP server for developers.

Lithic alternatives

Marqeta is a card issuing and processing platform. Highnote is a card issuing and ledger platform. Column is a bank with developer APIs, and Unit offers banking-as-a-service. Stripe offers card issuing as part of broader payments. Lithic stands out for its sandbox and direct network connections.