Bill pay that works for everyone

From rent to utilities, Lithic's virtual card infrastructure and A2A money movement turns recurring payments into seamless experiences that benefit payers, billers, and platforms alike.

Turn payments into a revenue stream

Bill pay doesn’t have to be a cost center. Lithic’s virtual card infrastructure lets you capture interchange revenue on transaction volume while streamlining reconciliation and reducing fraud.

Deliver instant payment confirmation

Say goodbye to the uncertainty of check processing. Lithic’s real-time settlement gives payers immediate confirmation and billers instant visibility that payments are secured, reducing late fees and improving cash flow for everyone.

Flex across payment types and industries

Whether powering rent payments, utility bills, subscription services, or vendor invoices, Lithic’s flexible platform adapts to diverse payment flows without requiring separate integrations for each biller type.

Platform Capabilities

Launch bill payment programs in weeks. Issue unlimited virtual cards instantly for recurring payments. Give payers real-time access with flexible payment scheduling. All with 99.99%+ uptime and sub-100ms authorization times.

Instant Virtual Card Generation

Issue virtual cards instantly for each bill or recurring payment. Enable AI agents to analyze invoices and pay vendors at the optimal time, improving cash flow and avoiding late fees.

Flexible Payment Controls

Build the payment experience your users need with Lithic's Authorization Rules. Set biller restrictions, spending limits, and recurring payment schedules. Test rules in shadow mode against real transactions before going live.

Real-Time Payment Confirmation

Every transaction includes enhanced data—biller information, payment schedules, account references. Get instant payment status updates that eliminate the uncertainty of check processing.

Authorization Stream Access

Take complete control of payment authorization decisions. Receive every transaction request in real-time and approve or decline based on your data—account status, payment history, custom fraud models. All within 100ms.

Core Features

Recurring Payment Management

Support one-time and recurring bill payments with flexible scheduling. Generate unique virtual cards for each payment or use Lithic's merchant token controls on existing cards.

Comprehensive Fraud Prevention

Integrated 3DS decisioning, biller verification, spending controls that prevent unauthorized charges, and real-time fraud alerts tailored for bill payment scenarios.

Flexible Program Structure

Launch prepaid, debit, or credit programs for different bill pay use cases. Optimize cash flow with real-time authorization and precise fund tracking through flexible account structures for managing payment balances.

Built for developers, loved by business teams

Modern API-First Architecture

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

Self-Service Dashboard

Non-technical team members can manage critical operations without developer support:

• Create and manage cards and view transaction details
• Configure authorization rules for specific vendors or recipients
• Handle disputes and chargebacks
• Reset PINs, manage security, and generate custom reports

Ready to modernize bill payments?

Frequently asked questions

How long does implementation take?

Can I bring my own sponsor bank?

How does Lithic help platforms earn revenue from bill payments?

What card networks do you support?

Do you support international programs?