Lithic review
An API-led platform for launching controlled virtual and physical card programs.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Lithic provides API-first card issuing and payment infrastructure for fintechs, software companies, banks, and other businesses. Its platform supports virtual and physical cards, along with debit, prepaid, charge, and credit card programs. Teams can manage authorization rules, spending, tokenization, fraud controls, financial accounts, balances, ACH, wires, identity verification workflows, webhooks, and developer documentation. It is suited to organizations building programmable consumer or commercial card programs, including enterprise card programs that need control over issuance and money movement.
Lithic uses a contact-sales pricing model, with pricing potentially shaped by volume, features, and program structure. The platform spans web and API access, and its ecosystem connections include Visa, Mastercard, American Express, Apple Pay, Google Pay, ACH, and wire transfers. That combination supports card creation, wallet provisioning, merchant token controls, and movement of funds within one infrastructure offering. Buyers should expect a sales-led evaluation rather than a plan-by-plan public checkout experience.
Its strongest differentiator is breadth across the card-program lifecycle: issuing, fulfillment, account balances, authorization controls, verification workflows, and money movement are all represented in the feature set. Authorization rules can cover merchant, amount, velocity, and time conditions, giving program teams several ways to shape transaction behavior. Lithic is a strong fit for technical organizations that want API-led program control and both virtual and physical cards. Businesses seeking a simpler, self-serve card tool or transparent published plan pricing should consider a different type of provider.
Lithic pros and cons
- Where it wins
- Supports virtual and physical card issuance with fulfillment.
- Combines issuing APIs, webhooks, controls, and money movement.
- Includes KYC/KYB workflows, wallets, and merchant token controls.
- Where it doesn't
- Pricing is handled through sales rather than published plans.
- The platform may require technical resources for API-led implementation.
- Founded in 2021, it has a shorter operating history than older providers.
Lithic fact sheet, pricing and score →
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update