Instantly issue cards and confidently power growth

Launch, manage, and scale your custom card program.

Deliver unmatched card experiences

An issuing platform that guarantees deeper visibility, more flexibility, and a faster time to market.

Faster launches, quicker to scale

Go live in weeks, not months. Lithic’s integrated fulfillment partners, instant virtual issuance, and native support for mobile wallets help you move quickly—and keeps your cardholders happy and cards top of wallet from the start.

Complete control from day one

Easily stay in charge at scale. Lithic’s all-in-one issuing platform has built-in user and token controls, flexible Auth Rules, and webhook access for full oversight into managing cards, mitigating fraud, and responding to account changes in real-time.

More ways to customize and grow

Dream and design your exact use case—consumer or commercial. Lithic issues every card construct on all major networks, with tools like flexible branding and custom spend logic so you can innovate on top of a stable foundation.

Everything you need to build what you want

Any card, any construct

We support every major card construct across both consumer and commercial programs, so you can build exactly what your use case demands.

Choose from debit, prepaid, charge, and revolving credit.

Create flexible, compliant programs across both personal and business card types through a single platform.

• Interchangeable physical and virtual cards. Start with a virtual card, then issue a physical version tied to the same PAN—or vice versa—without disrupting cardholder experience.
• Fulfill fast, at scale. We work with multiple leading card fulfillment partners to ensure fast, reliable delivery across domestic and international programs.

Manage wallet and merchant tokens effortlessly

Balance seamless experience and security with digital wallet provisioning and behind-the-scenes merchant token management.

Provision to any digital wallet, any way.

Enable manual, in app, or web push provisioning so your cardholders can use their cards immediately.

• Programmatically manage merchant tokens. Activate, pause, or revoke network tokens stored by merchants via API, reducing fraud risk and giving you more control over the transaction lifecycle.
• Automatically keep credentials up to date. Through our direct network integrations, we can push updated card credentials to merchants where a card is saved on file—maintaining continuity for recurring payments and subscriptions after a reissue.

Delight cardholders from the start

We help you deliver the kinds of experiences today’s cardholders expect: fast, flexible, and fully in their control.

Instantly issue virtual cards on demand.

Let users start spending immediately after approval with cards they can access in-app or online.

• Support flexible card designs. Configure multiple artworks on a single BIN to give your cardholders creative choice.
• Put cardholders in charge. Give users the ability to manage their own spend limits, pause or resume their cards, and receive proactive fraud alerts.
• Reward engagement. Support rewards programs that keep cardholders coming back and increase long-term usage.

Control spend and reduce risk

Set the rules. Define the limits. Enforce them in real time. Lithic’s flexible spending controls allow you to:

Set granular, card and account-level limits.

Use Auth Rules to restrict spend by merchant category, transaction amount, velocity, time of day, and more.

• Turn cards on or off instantly. Our user controls let you pause, resume, or cancel cards based on user behavior or program logic.
• Respond to fraud signals without delay. Combine real-time webhook events with proactive controls to flag suspicious activity and take immediate action.

Real-time transaction and event visibility

We give you complete transparency into what’s happening with your card program, plus the ability to act on it in real time.

Access detailed event streams.

Every card lifecycle event—from issuance to transaction to reissuance—is available via webhook, so your systems stay in sync.

• Build responsive program logic. Use event data to trigger notifications, automate workflows, or feed custom dashboards and reporting tools.
• Move fast with modular APIs. Our developer-first platform makes it easy to integrate, test, and scale without surprises.

Launch and scale your card program with Lithic

Frequently asked questions

• What types of cards can I issue with Lithic?
• How fast can cardholders start spending?
• Can I customize the cardholder experience?
• Does Lithic support global card programs?
• How long does it take to launch?