# lithic.com > AI-optimized mirror of lithic.com containing 773 pages totalling 511,563 words of clean markdown content, structured data, and semantic HTML. Original source: https://lithic.com. Last updated: 2026-07-18T05:23:12.357Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [Trust Center - Lithic](/content/trust/index.html): Security is fundamental to how Lithic builds and operates its platform. We design every system with protection, resiliency, and transparency at the forefront. Our security program aligns with SOC 1, SOC 2, ISO 27001, and PCI DSS, ensuring rigorous controls, continuous monitoring, and independent audits across all critical functions. We maintain strict access governance, thorough risk assessments, and a unified control framework to safeguard sensitive data. Protecting customer information isn’t just a requirement for Lithic, it is a core principle that guides every aspect of our operations. (219 words) - [Lithic Developer Documentation](/content/docs/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API., Build, issue, and manage payment cards and money movement with Lithic. (250 words) - [Lithic Status](/content/status/index.html): Welcome to Lithic's home for real-time and historical data on system performance. (207 words) - [Programmable Card Issuing and Money Movement | Lithic](/content/site-root.html): Enterprise issuer processing infrastructure to scale card programs with 99.99% uptime, direct network connections, and comprehensive fraud controls. (554 words) ## Articles & Blog Posts - [Respond to Authorization Challenge](/content/docs/reference/respondtoauthorizationchallenge/index.html): Card program's response to Authorization Challenge. Programs that have Authorization Challenges configured as Out of Band receive a card_authorization.challenge webhook when an authorization attempt triggers a challenge. The card program should respond using this endpoint after the cardholder comple… (93 words) - [Fetch account signals](/content/docs/reference/getaccountsignals/index.html): Returns behavioral feature state derived from an account's transaction history. These signals expose the same data used by behavioral rule attributes (e.g. AMOUNT_Z_SCORE with scope: ACCOUNT , IS_NEW_COUNTRY with scope: ACCOUNT ) and custom code TRANSACTION_HISTORY_SIGNALS features, allowing clients… (890 words) - [Fetch card signals](/content/docs/reference/getcardsignals/index.html): Returns behavioral feature state derived from a card's transaction history. These signals expose the same data used by behavioral rule attributes (e.g. AMOUNT_Z_SCORE with scope: CARD , IS_NEW_COUNTRY with scope: CARD ) and custom code TRANSACTION_HISTORY_SIGNALS features, allowing clients to inspec… (823 words) - [Lithic Status - Card Network Connectivity Disruption](/content/status/incidents/5jx91lzpjdhj/index.html): Lithic's Status Page - Card Network Connectivity Disruption. (75 words) - [Lithic Status - Delay in Settlement Reporting](/content/status/incidents/v2sp194brncc/index.html): Lithic's Status Page - Delay in Settlement Reporting. (75 words) - [Lithic Status - Delays in clearing events](/content/status/incidents/ztxslmlr4wm6/index.html): Lithic's Status Page - Delays in clearing events. (88 words) - [Introduction](/content/docs/docs/introduction/index.html): Learn about webhooks and transaction types. (170 words) - [Lithic Status - Intermittent API Timeouts](/content/status/incidents/f5nwk5n0qywt/index.html): Lithic's Status Page - Intermittent API Timeouts. (133 words) - [The Dispute Object](/content/docs/docs/understanding-the-api/index.html): Explore the dispute object returned by our API and webhooks. (2,745 words) - [Lithic Reporting Suite](/content/docs/docs/bank-reporting/index.html): Overview Lithic Reporting Suite are daily flat files delivered via SFTP. They are generated from Lithic's settlement data and contain transaction-level detail, network summaries, ACH activity, ledger balances, and more. Banks use these for internal accounting, ledger posting, and regulatory reportin… (3,521 words) - [ACH Payment API](/content/docs/docs/payments-api/index.html): Originate ACH transactions to External Bank Accounts (1,166 words) - [Quick Start - Secured Charge Card](/content/docs/docs/quick-start-secured-charge-card/index.html): Secured Charge enables a charge card model backed by a user-funded security account. This construct gives end users the flexibility to spend up to the value held in their security account, while requiring full repayment at the end of each billing cycle. It combines the user experience of a charge ca… (1,849 words) - [Get 3DS authentication](/content/docs/reference/getthreedsauthenticationbytoken/index.html): Get 3DS Authentication by token (1,558 words) - [Quick Start - ACH Originations](/content/docs/docs/quick-start-ach-originations/index.html): This guide will walk you through the process of initiating an ACH origination from a program's financial account to an external bank account. This process supports use cases such as: Funding a prepay card program Disbursements to suppliers, contractors, etc. You will learn how to upload and verify y… (1,427 words) - [Quick Start - Consumer Revolving Credit](/content/docs/docs/quick-start-consumer-revolving-credit/index.html): Consumer revolving credit enables you to issue credit cards to individual consumers with revolving balances, minimum monthly payments, and interest accrual. Unlike charge cards that require full monthly payment, revolving credit allows cardholders to carry a balance month-to-month while making minim… (1,000 words) - [assets/api/api-lithic-com-pub-pem.html](/content/assets/api/api-lithic-com-pub-pem.html) (19 words) - [Quick Start - ACH Funding in Sandbox](/content/docs/docs/quick-start-ach-funding-in-sandbox/index.html): How to fund your Lithic instance in sandbox (766 words) - [Simulate an account holder's enrollment review](/content/docs/reference/simulateaccountholderenrollmentreview/index.html): Simulates an enrollment review for an account holder. This endpoint is only applicable for workflows that may required intervention such as KYB_BASIC . (946 words) - [Merchant Category Codes (MCCs)](/content/docs/docs/merchant-category-codes-mccs/index.html): Lithic supports the below set of merchant category codes (MCCs) for use in Auth Rules , ASA , and for transaction simulations. Codes are subject to change and may differ by card network. The below codes and descriptions are for informational purposes only, and Lithic cannot guarantee that each will … (1,821 words) - [Accounting & Ledger Impact](/content/docs/docs/accounting-ledger-impact/index.html): Learn how to track dispute-related funds flows based on your program type. (1,789 words) - [Financial Transactions](/content/docs/docs/financial-transactions/index.html): Learn more about financial transactions (1,024 words) - [Tokenization Rules](/content/docs/docs/tokenization-auth-rules/index.html): Control how digital wallet tokenization requests are decisioned using Lithic-hosted rules. (1,471 words) - [Update account holder information and possibly resubmit for evaluation](/content/docs/reference/patchaccountholder/index.html): Update the information associated with a particular account holder (including business owners and control persons associated to a business account). If Lithic is performing KYB or KYC and additional verification is required we will run the individual's or business's updated information again and ret… (723 words) - [Migrate from Legacy Transaction Webhooks to our Events API](/content/docs/docs/migrate-from-legacy-transaction-webhooks-to-our-events-api.html): Lithic's initial event-driven card transaction updates via webhooks are evolving. Addressing client requests, we've developed the Events API for a broader range of events and historical data access. As we phase out the old webhook system, we ensure a smooth transition by maintaining the same schema … (754 words) - [Update a rule](/content/docs/reference/patch_v2-auth-rules-auth-rule-token/index.html): Updates a V2 Auth rule's properties If account_tokens , card_tokens , program_level , excluded_card_tokens , excluded_account_tokens , or excluded_business_account_tokens is provided, this will replace existing associations with the provided list of entities. (409 words) - [Fetch account signals](/content/docs/reference/getaccountsignals/index-2.html): Returns behavioral feature state derived from an account's transaction history. These signals expose the same data used by behavioral rule attributes (e.g. AMOUNT_Z_SCORE with scope: ACCOUNT , IS_NEW_COUNTRY with scope: ACCOUNT ) and custom code TRANSACTION_HISTORY_SIGNALS features, allowing clients… (959 words) - [Promote a rule version](/content/docs/reference/post_v2-auth-rules-auth-rule-token-promote/index.html): Promotes the draft version of an Auth rule to the currently active version such that it is enforced in the respective stream. (342 words) - [Funding Events](/content/docs/docs/funding-events-1/index.html): Learn how Lithic collects from your program for customer spend (749 words) - [List rules](/content/docs/reference/get_v2-auth-rules/index.html): Lists V2 Auth rules (478 words) - [Auth Stream Access Request](/content/docs/reference/post_card-authorization-approval-request/index.html): Auth Stream Access Request (245 words) - [Backtesting Authorization Rules](/content/docs/docs/backtesting-authorization-rules/index.html): Simulate rule impacts on historical transactions to optimize performance and refine configurations (924 words) - [Retrieve a performance report](/content/docs/reference/get_v2-auth-rules-auth-rule-token-report/index.html): Retrieves a performance report for an Auth rule containing daily statistics and evaluation outcomes. Time Range Limitations: Reports are supported for the past 3 months only Maximum interval length is 1 month Report data is available only through the previous day in UTC (current day data is not avai… (368 words) - [Simulate an account holder document upload's review](/content/docs/reference/simulateaccountholderenrollmentdocumentreview/index.html): Simulates a review for an account holder document upload. (313 words) - [Enhanced Commercial Data (L2/L3)](/content/docs/docs/enhanced-commercial-data/index.html): Enhanced commercial data (L2/L3 data) allows Lithic clients to get a deeper view of end-user purchasing behavior, enabling better support for corporate expense programs, fleet cards, and more. Level 2 (L2) data includes general purchase data which typically describes the transaction as a whole, for … (1,080 words) - [Intro to ACH](/content/docs/docs/intro-to-ach/index.html): ACH 101 (1,192 words) - [Draft a new rule version](/content/docs/reference/post_v2-auth-rules-auth-rule-token-draft/index.html): Creates a new draft version of a rule that will be ran in shadow mode. This can also be utilized to reset the draft parameters, causing a draft version to no longer be ran in shadow mode. (302 words) - [Deactivate a beneficial owner individual](/content/docs/reference/deleteaccountholderentity/index.html): Deactivate a beneficial owner individual on an existing KYB account holder. Only beneficial owner individuals can be deactivated. (483 words) - [Case Management](/content/docs/docs/transaction-monitoring-cases/index.html): Investigate and resolve cases opened by monitoring rules. Cases aggregate flagged transactions, cards, accounts, comments, files, and a full audit trail through a defined lifecycle. (1,823 words) - [Get account holder document upload status](/content/docs/reference/getaccountholderdocumentbytoken/index.html): Check the status of an account holder document upload, or retrieve the upload URLs to process your image uploads. Note that this is not equivalent to checking the status of the KYC evaluation overall (a document may be successfully uploaded but not be sufficient for KYC to pass). In the event your u… (445 words) - [Calculated Feature values](/content/docs/reference/get_v2-auth-rules-auth-rule-token-features/index.html): Fetches the current calculated Feature values for the given Auth Rule This only calculates the features for the active version. VelocityLimit Rules calculates the current Velocity Feature data. This requires a card_token or account_token matching what the rule is Scoped to. ConditionalBlock Rules ca… (178 words) - [Retrieve backtest results](/content/docs/reference/get_v2-auth-rules-auth-rule-token-backtests-auth-rule-backtest-token.html): Returns the backtest results of an Auth rule (if available). Backtesting is an asynchronous process that requires time to complete. If a customer retrieves the backtest results using this endpoint before the report is fully generated, the response will return null for results.current_version and res… (145 words) - [In-App Push Provisioning](/content/docs/docs/push-provisioning/index.html): Learn how to add cards to digital wallets with in-app push provisioning. (1,312 words) - [Fetch a rule](/content/docs/reference/get_v2-auth-rules-auth-rule-token/index.html): Fetches a V2 Auth rule by its token (193 words) - [Get account holder document uploads](/content/docs/reference/getaccountholderdocuments/index.html): Retrieve the status of account holder document uploads, or retrieve the upload URLs to process your image uploads. Note that this is not equivalent to checking the status of the KYC evaluation overall (a document may be successfully uploaded but not be sufficient for KYC to pass). In the event your … (507 words) - [Create a new beneficial owner individual or replace the existing control person entity](/content/docs/reference/postaccountholderentities/index.html): Create a new beneficial owner individual or replace the control person entity on an existing KYB account holder. This endpoint is only applicable for account holders enrolled through a KYB workflow with the Persona KYB provider. A new control person can only replace the existing one. A maximum of 4 … (372 words) - [Initiate account holder document upload](/content/docs/reference/postaccountholderdocuments/index.html): Use this endpoint to identify which type of supported government-issued documentation you will upload for further verification. It will return two URLs to upload your document images to - one for the front image and one for the back image. This endpoint is only valid for evaluations in a PENDING_DOC… (359 words) - [Book Transfers](/content/docs/docs/book-transfers/index.html): Learn how to move funds between your financial accounts for various purposes (1,053 words) - [3DS Authentication Rules](/content/docs/docs/3ds-authentication-rules/index.html): Learn how to customize 3DS decisioning logic using Lithic 3DS Auth Rules (939 words) - [Wires Overview](/content/docs/docs/wires-overview/index.html): Wires with Lithic Wire transfers are currently in private beta. Contact your customer success manager to learn more about access. Your bank partner may apply additional screening, limits, or policies based on their risk management practices. With Lithic, you can receive and send domestic wire paymen… (802 words) - [About Account Level Management](/content/docs/docs/about-account-level-management/index.html): How Lithic manages Account Level Management (ALM) with Mastercard and Visa so qualifying accounts earn the right interchange — and the one thing you maintain. (907 words) - [Simulating Card Transactions](/content/docs/docs/simulating-transactions/index.html): Simulate card transactions in Sandbox. (374 words) - [status/history-rss.html](/content/status/history-rss.html) (1,246 words) - [Update account](/content/docs/reference/patchaccountbytoken/index.html): Update account configuration such as state or spend limits. Can only be run on accounts that are part of the program managed by this API key. Accounts that are in the PAUSED state will not be able to transact or create new cards. (326 words) - [Reporting Overview](/content/docs/docs/reporting-overview/index.html): Overview Lithic provides several reporting products to support your reconciliation, accounting, and compliance workflows. Each serves a distinct purpose, operates on a different cadence, and is sourced from different underlying data. This page explains what each product does and how to choose betwee… (709 words) - [Tracking Disputes](/content/docs/docs/tracking-disputes/index.html): Track dispute progress through the dashboard, API, and webhooks to provide timely cardholder updates and maintain accurate records. (767 words) - [Hold Adjustment Rules](/content/docs/docs/hold-adjustment-rules/index.html): Adjust the authorization hold on transactions that match a set of conditions, reserving enough balance to cover expected clearing overages like tips and fuel. (1,570 words) - [Request a backtest](/content/docs/reference/post_v2-auth-rules-auth-rule-token-backtests/index.html): Initiates a request to asynchronously generate a backtest for an Auth rule. During backtesting, both the active version (if one exists) and the draft version of the Auth Rule are evaluated by replaying historical transaction data against the rule's conditions. This process allows customers to simula… (70 words) - [Get an individual or business account holder](/content/docs/reference/getaccountholder/index.html): Get an Individual or Business Account Holder and/or their KYC or KYB evaluation status. (241 words) - [Revolving Credit Cards](/content/docs/docs/commercial-revolving-credit-cards/index.html): Provide lines of credit to your business customers (617 words) - [Transaction Monitoring Rules](/content/docs/docs/transaction-monitoring-rules/index.html): Author tagging and case creation rules that evaluate transactions after authorization. Tag transactions with risk context or open investigation cases when activity warrants human review. (1,110 words) - [Liability and Money Movement](/content/docs/docs/liability-and-money-movement/index.html): Understand how liability moves and when money changes hands throughout the dispute lifecycle. (1,122 words) - [Create an individual or business account holder](/content/docs/reference/postaccountholders/index.html): Create an account holder and initiate the appropriate onboarding workflow. Account holders and accounts have a 1:1 relationship. When an account holder is successfully created an associated account is also created. All calls to this endpoint will return a synchronous response. The response time will… (500 words) - [Rotate the ASA HMAC secret key](/content/docs/reference/rotateauthstreamsecret/index.html): Generate a new ASA HMAC secret key. The old ASA HMAC secret key will be deactivated 24 hours after a successful request to this endpoint. Make a GET /auth_stream/secret request to retrieve the new secret key. (224 words) - [Overview](/content/docs/docs/overview-1/index.html): Understand what disputes are, why they matter, and how Lithic's managed disputes solution can serve you. (862 words) - [Regulatory Requirements](/content/docs/docs/regulatory-requirements/index.html): Determine which regulations apply to your program and how they impact your dispute process. (847 words) - [Delete a rule](/content/docs/reference/delete_v2-auth-rules-auth-rule-token/index.html): Deletes a V2 Auth rule (42 words) - [Filing Disputes](/content/docs/docs/working-with-disputes/index.html): Learn how to file disputes in Lithic's dashboard. (777 words) - [Lithic Status - Delays in Mastercard clearing and dispute data](/content/status/incidents/9spktr7188dk/index.html): Lithic's Status Page - Delays in Mastercard clearing and dispute data. (95 words) - [Simulating Tokenizations](/content/docs/docs/simulating-tokenizations/index.html): Simulate digital wallet tokenizations in Sandbox. (80 words) - [Lithic Orchestration - 3DS Challenges](/content/docs/docs/challenge-flow-lithic-decisioning/index.html): Learn about how you can expand your 3DS authentication flow to include challenges orchestrated by Lithic. (912 words) - [Contextual Rule Features](/content/docs/docs/contextual-rule-features/index.html): Enrich authorization rules with card and account behavioral history to detect anomalies, flag first-time activity, and tailor fraud logic per cardholder. (1,090 words) - [Managed Disputes Overview](/content/docs/docs/managed-disputes-overview/index.html): Understand what disputes are, why they matter, and how Lithic's managed disputes solution can serve you. (864 words) - [Simulating Webhook Events](/content/docs/docs/simulating-webhooks/index.html): Simulate webhook events through the Events API (59 words) - [Get account's available spend limits](/content/docs/reference/getaccountspendlimits/index.html): Get an Account's available spend limits, which is based on the spend limit configured on the Account and the amount already spent over the spend limit's duration. For example, if the Account has a daily spend limit of $1000 configured, and has spent $600 in the last 24 hours, the available spend lim… (246 words) - [Quarterly Network Reporting](/content/docs/docs/quarterly-network-reporting/index.html): Quarterly Network Reporting Quarterly Network Reporting provides the data needed to complete network-mandated quarterly submissions — the Quarterly Mastercard Report (QMR) for Mastercard and the Global Operating Certificate (GOC) for Visa. Quarterly Network Reporting is a paid add-on. Contact suppor… (306 words) - [Analytics and Observability](/content/docs/docs/analytics-and-observability/index.html): Test rules in shadow mode, measure their impact with performance reports and backtesting, and interpret decline results. (846 words) - [3DS Decisioning Request](/content/docs/reference/post_three-ds-authentication-approval-request/index.html): Webhook for Card Programs to decision on 3DS Authentication Request. See https://docs.lithic.com/docs/3ds-decisioning for more details. (449 words) - [3DS Lithic Decisioning](/content/docs/docs/3ds-decisioning/index.html): Learn about leveraging Lithic's 3DS decisioning model to participate in 3DS. (854 words) - [Authorization Rule Lifecycle](/content/docs/docs/auth-rule-lifecycle/index.html): Draft, test in shadow mode, promote, disable, and delete Authorization Rules, plus list, fetch, and version history. (891 words) - [Dispute Lifecycle](/content/docs/docs/dispute-lifecycle/index.html): Learn how disputes progress from initial filing to resolution. (644 words) - [Lithic Status - API Partial Degredation](/content/status/incidents/z1jrnmz7bdrx/index.html): Lithic's Status Page - API Partial Degredation. (35 words) - [Get account](/content/docs/reference/getaccountbytoken/index.html): Get account configuration such as spend limits. (346 words) - [Customer Orchestration - 3DS Challenges](/content/docs/docs/3ds-challenge-flow/index.html): Learn about how you can expand your 3DS authentication flow to include challenges (829 words) - [List accounts](/content/docs/reference/getaccounts/index.html): List account configurations. (246 words) - [3DS Customer Decisioning](/content/docs/docs/3ds-customer-decisioning/index.html): Overview 3DS Customer Decisioning is the best. provides your organization with complete control over 3DS authentication decisions. Upon receiving a 3DS authentication request, Lithic forwards detailed transaction data directly to your organization's endpoint. Your system evaluates the risk associate… (616 words) - [Velocity Limit Rules](/content/docs/docs/velocity-limit-rules/index.html): Restrict the number or value of transactions allowed within a time period to control spend and manage fraud risk. (502 words) - [Cardholder Communications](/content/docs/docs/cardholder-communications/index.html): Learn how to manage communications to your customers. (154 words) - [Spend Limits](/content/docs/docs/spend-limits/index.html): Spend Limits have been superseded by Authorization Rules ! For all spend velocity use-cases, Authorization Rules offer superior efficiency, customizability, and visibility into performance. New programs should implement Velocity Limit Authorization Rules (rather than Spend Limits) to control cardhol… (569 words) - [docs/changelog-rss.html](/content/docs/changelog-rss.html) (200 words) - [Partial Approval](/content/docs/docs/partial-approval/index.html): Learn how partial approval works for authorization from balance and ASA responders (600 words) - [Modifying Dispute Configurations](/content/docs/docs/modifying-dispute-configurations/index.html): Understand how to change your dispute configurations. (94 words) - [3DS Challenge Flows](/content/docs/docs/3ds-challenges/index.html): Configure challenge flow orchestration to verify cardholder identity for high-risk transactions. (517 words) - [status/history-atom.html](/content/status/history-atom.html) (506 words) - [2FA for Tokenization](/content/docs/docs/2fa-for-tokenization/index.html): Sending Cardholders 2FA Codes See Cardholder Authentication for an overview of two-factor authentication for digital wallets. The generation of a 2FA code is triggered when either the wallet or you decide (if using self-serve tokenization decisioning) to authenticate the end user trying to tokenize … (242 words) - [Lithic Status - Incident History](/content/status/history/index.html): Lithic's Incident and Scheduled Maintenance History (184 words) - [Expiring authorizations](/content/docs/docs/expiring-authorizations/index.html): How Lithic automatically expires authorization holds, and how to manually expire one early. (544 words) - [Managed Disputes](/content/docs/docs/managed-disputes/index.html): Overview Learn what disputes are, why they matter, and how Lithic's managed solution works. Dispute Lifecycle Understand how disputes progress through different stages. Liability and Money Movement Learn how liability shifts between parties and how money flows through the dispute process. Regulatory… (124 words) - [About Merchant Tokenization](/content/docs/docs/about-merchant-tokens/index.html): Introduction What is merchant tokenization? Merchant tokenization works in a similar way to digital wallet tokenization . When a cardholder saves their card details at on online merchant or subscription service, the merchant can send a tokenization request to the token service provider. Once the tok… (322 words) - [Simulate entering OTP into 3DS Challenge UI](/content/docs/reference/post_v1-three-ds-decisioning-simulate-enter-otp/index.html): Endpoint for simulating entering OTP into 3DS Challenge UI. A call to /v1/three_ds_authentication/simulate that resulted in triggered SMS-OTP challenge must precede. Only a single attempt is supported; upon entering OTP, the challenge is either approved or declined. (273 words) - [Retrieve the 3DS Decisioning HMAC secret key](/content/docs/reference/getthreedsdecisioningsecret/index.html): Retrieve the 3DS Decisioning HMAC secret key. If one does not exist for your program yet, calling this endpoint will create one for you. The headers (which you can use to verify 3DS Decisioning requests) will begin appearing shortly after calling this endpoint for the first time. See this page for m… (184 words) - [Rotate the 3DS Decisioning HMAC secret key](/content/docs/reference/rotatethreedsdecisioningsecret/index.html): Generate a new 3DS Decisioning HMAC secret key. The old secret key will be deactivated 24 hours after a successful request to this endpoint. Make a GET /three_ds_decisioning/secret request to retrieve the new secret key. (219 words) - [Respond to a Challenge Request](/content/docs/reference/post_v1-three-ds-decisioning-challenge-response/index.html): Card program's response to a 3DS Challenge Request. Challenge Request is emitted as a webhook three_ds_authentication.challenge and your Card Program needs to be configured with Out of Band (OOB) Challenges in order to receive it (see https://docs.lithic.com/docs/3ds-challenge-flow for more informat… (135 words) - [Transaction Flow](/content/docs/docs/transaction-flow/index.html): Learn about the most common transaction sequences you can expect to see on the Lithic platform. (9,953 words) - [Authorization Challenges](/content/docs/docs/authorization-challenges/index.html): Learn how to escalate risky authorizations to step-up authentication (2,964 words) - [Get payment by token](/content/docs/reference/getpaymentbytoken/index.html): Get the payment by token. (978 words) - [Fraud Detection 101 Q&A With Zach Pierce | Lithic](/content/blog/20fraud-detection-101-q-a-with-zach-pierce/index.html): This Q&A is part of the Fraud Fighters Manual, a collective set of stories from Fintech fraud fighters. (2,403 words) - [three_ds_authentication.updated](/content/docs/reference/post_three-ds-authentication-updated/index.html): Occurs when a 3DS authentication is updated (eg. challenge is completed). (585 words) - [Not Found](/content/blog/kyc-operations/blog-lithic-com.html) (19 words) - [payment_transaction.updated](/content/docs/reference/post_payment-transaction-updated/index.html): Occurs when a payment transaction is updated. (481 words) - [Expense Management Solutions - Lithic](/content/docs/docs/expense-management/index.html): Create expense management platforms with Lithic's card issuing, authorization rules, and ledger capabilities for corporate spend control. (1,775 words) - [Not Found](/content/blogexplore-20authorization-20intelligence/index.html) (22 words) - [claim.created](/content/docs/reference/post_claim-created/index.html): Occurs when a dispute intake claim is created. (284 words) - [payment_transaction.created](/content/docs/reference/post_payment-transaction-created/index.html): Occurs when a payment transaction is created. (362 words) - [book_transfer_transaction.updated](/content/docs/reference/post_book-transfer-transaction-updated/index.html): Occurs when a book transfer transaction is updated. (559 words) - [List disputes](/content/docs/reference/getdisputesv2/index.html): Returns a paginated list of disputes. (479 words) - [Get statement by token](/content/docs/reference/getstatement/index.html): Get a specific statement for a given financial account. (739 words) - [three_ds_authentication.challenge](/content/docs/reference/post_three-ds-authentication-challenge/index.html): The three_ds_authentication.challenge event. Upon receiving this request, the Card Program should issue its own challenge to the cardholder. After a cardholder challenge is successfully completed, the Card Program needs to respond back to Lithic by call to /v1/three_ds_decisioning/challenge_response… (196 words) - [loan_tape.created](/content/docs/reference/post_loan-tape-created/index.html): Occurs when a loan tape is created. (240 words) - [three_ds_authentication.created](/content/docs/reference/post_three-ds-authentication-created/index.html): Occurs when a 3DS authentication is created. (182 words) - [loan_tape.updated](/content/docs/reference/post_loan-tape-updated/index.html): Occurs when a loan tape is updated. (240 words) - [card_authorization.challenge](/content/docs/reference/post_card-authorization-challenge/index.html): Occurs when an Out of Band challenge is issued during card authorization. The card program should issue its own challenge to the cardholder and then respond via /v1/card_authorizations/ event_token /challenge_response . (319 words) - [network_total.updated](/content/docs/reference/post_network-total-updated/index.html): Occurs when a network total is updated. (214 words) - [Update case](/content/docs/reference/updatetransactionmonitoringcase/index.html): Updates a transaction monitoring case. (545 words) - [tokenization.updated](/content/docs/reference/post_tokenization-updated/index.html): Occurs when a tokenization's status has changed. (73 words) - [Authentication](/content/docs/docs/authentication/index.html): Set up the welcome page for your API to help users make their first call. (24 words) - [statements.created](/content/docs/reference/post_statements-created/index.html): Occurs when a statement has been created. (175 words) - [Tokenization Decisioning Request](/content/docs/reference/post_digital-wallet-tokenization-approval-request/index.html): Tokenization Customer Decisioning Request. Use tokenization.approval_request for notification webhooks. (322 words) - [Settle external payment](/content/docs/reference/settleexternalpayment/index.html): Settle external payment (327 words) - [dispute.updated](/content/docs/reference/post_dispute-updated/index.html): Occurs when a dispute filed through the Chargebacks API ( /v1/disputes ) is created or updated. This event is not emitted for Managed Disputes. Use dispute_transaction.created and dispute_transaction.updated instead. (485 words) - [tokenization.two_factor_authentication_code](/content/docs/reference/post_tokenization-two-factor-authentication-code/index.html): Occurs when a tokenization request 2FA code is sent to the Lithic customer for self serve delivery. (110 words) - [embed.viewed](/content/docs/reference/post_embed-viewed/index.html): Occurs when a card detail is successfully revealed through an embed. (116 words) - [card_transaction.updated](/content/docs/reference/post_card-transaction-updated/index.html): Occurs when a card transaction happens. (228 words) - [Get loan tape by token](/content/docs/reference/getloantape/index.html): Get a specific loan tape for a given financial account. (1,063 words) - [Retry payment](/content/docs/reference/retrypayment/index.html): Retry an origination which has been returned. (923 words) - [Cancel external payment](/content/docs/reference/cancelexternalpayment/index.html): Cancel external payment (348 words) - [external_payment.created](/content/docs/reference/post_external-payment-created/index.html): Occurs when an external payment is created. (144 words) - [management_operation.created](/content/docs/reference/post_management-operation-created/index.html): Occurs when an management operation is created. (166 words) - [embed.session_generated](/content/docs/reference/post_embed-session-generated/index.html): Occurs when a card embed session is successfully generated. (106 words) - [claim.updated](/content/docs/reference/post_claim-updated/index.html): Occurs when a dispute intake claim is updated, such as a status change or a change to its outstanding requirements. (39 words) - [Get a card's tokenizations](/content/docs/reference/gettokenizations/index.html): List card tokenizations (553 words) - [external_payment.updated](/content/docs/reference/post_external-payment-updated/index.html): Occurs when an external payment is updated. (156 words) - [tokenization.two_factor_authentication_code_sent](/content/docs/reference/post_tokenization-two-factor-authentication-code-sent.html): Occurs when a tokenization request 2FA code is sent to our downstream messaging providers for delivery. (84 words) - [management_operation.updated](/content/docs/reference/post_management-operation-updated/index.html): Occurs when an management operation is updated. (189 words) - [claim_document.accepted](/content/docs/reference/post_claim-document-accepted/index.html): Occurs when a claim document passes validation and is accepted. (35 words) - [internal_transaction.updated](/content/docs/reference/post_internal-transaction-updated/index.html): Occurs when an internal adjustment is updated. (39 words) - [claim_document.rejected](/content/docs/reference/post_claim-document-rejected/index.html): Occurs when a claim document fails validation and is rejected. (35 words) - [financial_account.created](/content/docs/reference/post_financial-account-created/index.html): Occurs when a financial account is created. (44 words) - [tokenization.result](/content/docs/reference/post_tokenization-result/index.html): Occurs when a tokenization request succeeded or failed. (45 words) - [List case files](/content/docs/reference/listtransactionmonitoringcasefiles/index.html): Lists the files attached to a case. (441 words) - [List payments](/content/docs/reference/searchpayments/index.html): List all the payments for the provided search criteria. (790 words) - [claim_document.uploaded](/content/docs/reference/post_claim-document-uploaded/index.html): Occurs when a claim document is uploaded and begins validation. (35 words) - [dispute_evidence.upload_failed](/content/docs/reference/post_dispute-evidence-upload-failed/index.html): Occurs when an evidence upload fails for a dispute filed through the Chargebacks API ( /v1/disputes ). This event is not emitted for Managed Disputes. (150 words) - [dispute_transaction.created](/content/docs/reference/post_dispute-transaction-created/index.html): Occurs when a new dispute transaction is created for a Managed Disputes case. (92 words) - [tokenization.approval_request](/content/docs/reference/post_tokenization-approval-request/index.html): Occurs when a tokenization approval request is made. (40 words) - [financial_account.updated](/content/docs/reference/post_financial-account-updated/index.html): Occurs when a financial account is updated. (44 words) - [internal_transaction.created](/content/docs/reference/post_internal-transaction-created/index.html): Occurs when an internal adjustment is created. (39 words) - [New Hold Adjustment Rule Type Available in the Auth Rules API](/content/docs/changelog/hold-adjustment-auth-rules/index.html): Release Date May 26, 2026 Products Affected Auth Rules API Impact New conditional rule type for dynamically adjusting authorization hold amounts Audience All customers using Auth Rules Action Required None Overview The Auth Rules API now supports a new conditional rule type that dynamically adjusts … (520 words) - [settlement_report.updated](/content/docs/reference/post_settlement-report-updated/index.html): Occurs when a settlement report is created or updated. (33 words) - [external_bank_account.updated](/content/docs/reference/post_external-bank-account-updated/index.html): Occurs when an external bank account is updated. (61 words) - [digital_wallet.tokenization_updated](/content/docs/reference/post_digital-wallet-tokenization-updated/index.html): Occurs when a tokenization's status has changed. This event will be deprecated in the future. We recommend using tokenization.updated instead. (73 words) - [book_transfer_transaction.created](/content/docs/reference/post_book-transfer-transaction-created/index.html): Occurs when a book transfer transaction is created. (401 words) - [network_total.created](/content/docs/reference/post_network-total-created/index.html): Occurs when a network total is created. (37 words) - [funding_event.created](/content/docs/reference/post_funding-event-created/index.html): Occurs when a funding event is created. (29 words) - [Get a single card tokenization](/content/docs/reference/gettokenization/index.html): Get tokenization (312 words) - [List card transactions](/content/docs/reference/gettransactions/index.html): List card transactions. All amounts are in the smallest unit of their respective currency (e.g., cents for USD) and inclusive of any acquirer fees. (384 words) - [external_bank_account.created](/content/docs/reference/post_external-bank-account-created/index.html): Occurs when an external bank account is created. (61 words) - [List loan tapes](/content/docs/reference/getloantapes/index.html): List the loan tapes for a given financial account. (579 words) - [List statements](/content/docs/reference/getstatements/index.html): List the statements for a given financial account. (566 words) - [card_transaction.enhanced_data.updated](/content/docs/reference/post_card-transaction-enhanced-data-updated/index.html): Occurs when L2/L3 enhanced commercial data is reprocessed for a transaction event. (72 words) - [Simulate credit authorization advice](/content/docs/reference/postsimulatecreditauthorizationadvice/index.html): Simulates a credit authorization advice from the card network. This message indicates that the network approved a credit authorization on your behalf. (390 words) - [card_transaction.enhanced_data.created](/content/docs/reference/post_card-transaction-enhanced-data-created/index.html): Occurs when L2/L3 enhanced commercial data is processed for a transaction event. (72 words) - [Get transfer limits](/content/docs/reference/gettransferlimits/index.html): Get transfer limits for a specified date (398 words) - [Get case file](/content/docs/reference/gettransactionmonitoringcasefile/index.html): Retrieves a single file attached to a case, including a presigned download URL when the file is ready. (246 words) - [account_holder.updated](/content/docs/reference/post_account-holder-updated/index.html): Occurs when an account_holder is updated. (164 words) - [Authorization Challenges Now Support Customer-Orchestrated Delivery](/content/docs/changelog/customer-orchestrated-authorization-challenges/index.html): Release Date May 19, 2026 Products Affected Authorization Challenges, Authorization Stream Access (ASA) Impact New orchestration model and additional fields on the latest_challenge object Audience Customers using authorization challenges Action Required None Overview Beginning Tuesday, May 19th, aut… (440 words) - [Simulate a card's tokenization](/content/docs/reference/postsimulatetokenizations/index.html): This endpoint is used to simulate a card's tokenization in the Digital Wallet and merchant tokenization ecosystem. (509 words) - [card_authorization.challenge_response](/content/docs/reference/post_card-authorization-challenge-response/index.html): Occurs when a cardholder responds to a challenge during card authorization. (145 words) - [digital_wallet.tokenization_two_factor_authentication_code_sent](/content/docs/reference/post_digital-wallet-tokenization-two-factor-authentication-code-sent.html): Occurs when a tokenization request 2FA code is sent to our downstream messaging providers for delivery. This event will be deprecated in the future. We recommend using tokenization.two_factor_authentication_code_sent instead. (19 words) - [digital_wallet.tokenization_result](/content/docs/reference/post_digital-wallet-tokenization-result/index.html): Occurs when a tokenization request succeeded or failed. This event will be deprecated in the future. We recommend using tokenization.result instead. (45 words) - [List case cards](/content/docs/reference/listtransactionmonitoringcasecards/index.html): Lists the cards involved in a case, with per-card transaction counts. (73 words) - [Update queue](/content/docs/reference/updatetransactionmonitoringqueue/index.html): Updates a transaction monitoring queue. (251 words) - [Create queue](/content/docs/reference/createtransactionmonitoringqueue/index.html): Creates a new queue for grouping transaction monitoring cases. (254 words) - [Update case comment](/content/docs/reference/updatetransactionmonitoringcasecomment/index.html): Edits an existing comment on a case. (296 words) - [List network totals](/content/docs/reference/listnetworktotals/index.html): List network total records with optional filters. Not available in sandbox. (589 words) - [auth_rules.backtest_report.created](/content/docs/reference/post_auth-rules-backtest-report-created/index.html): Auth Rules backtest report created. (119 words) - [card.reissued](/content/docs/reference/post_card-reissued/index.html): Occurs when a card is reissued. (41 words) - [New card_authorization.challenge_response Webhook Event Available](/content/docs/changelog/card-authorization-challenge-response-webhook/index.html): Release Date April 16, 2026 Products Affected Authorization Challenges, Events API Impact New webhook event type added Audience Fraud Command customers using Authorization Challenges Action Required None, this change is additive only Overview A new card_authorization.challenge_response webhook event… (294 words) - [New Name Validation Fields Available in ASA](/content/docs/changelog/asa-name-validation/index.html): Release Date June 5, 2026 Products Affected Authorization Stream Access (ASA) Impact New fields added to ASA requests and responses Audience Customers using ASA Action Required None. This change is additive only Overview Beginning June 5th, Authorization Stream Access requests will include a name_va… (427 words) - [card.renewed](/content/docs/reference/post_card-renewed/index.html): Occurs when a card is renewed. (110 words) - [Character Limit Enforcement for Cards](/content/docs/changelog/character-limit-enforcement-for-cards/index.html): Release Date October 27, 2026 Products Affected Create Card, Renew Card, Reissue Card,and Convert to Physical Endpoints Impact Cardholder name will be limited to a combined 26 characters across all physical card lifecycle endpoints Audience All Customers Action Required Enforce 26 character limit pr… (282 words) - [digital_wallet.tokenization_two_factor_authentication_code](/content/docs/reference/post_digital-wallet-tokenization-two-factor-authentication-code.html): Occurs when a tokenization request 2FA code is sent to the Lithic customer for self serve delivery. This event will be deprecated in the future. We recommend using tokenization.two_factor_authentication_code instead. (21 words) - [Added new valid Financial Account State Change](/content/docs/changelog/added-new-valid-financial-account-state-change/index.html): Release Date April 13, 2026 Products Affected Financial Accounts APIs Impact Added new valid Financial Account State Change Audience Customers using Lithic Credit Ledger Action Required None Overview Financial accounts can now transition from SUSPENDED with substatus INTEREST_AND_FEES_PAUSED direc… (149 words) - [Return payment](/content/docs/reference/returnpayment/index.html): Return an ACH payment with a specified return reason code. Returns must be initiated within the time window specified by NACHA rules for each return code (typically 2 banking days for most codes, 60 calendar days for unauthorized debits). For a complete list of return codes and their meanings, see t… (630 words) - [Managing Cards](/content/docs/docs/managing-cards/index.html): Learn how to renew, replace, and reissue cards or update a virtual card to a physical card. (1,151 words) - [card.converted](/content/docs/reference/post_card-converted/index.html): Occurs when a card is converted from virtual to physical cards. (45 words) - [Added new endpoint to Pause External Bank Account](/content/docs/changelog/added-new-endpoint-to-pause-external-bank-account/index.html): Release Date June 3, 2026 Products Affected External Bank Accounts API Impact New endpoint to pause External Bank Accounts Audience All customers using ACH payments Action Required None Overview Lithic now supports pausing an external bank account via a new dedicated endpoint. Calling this endpoint … (214 words) - [card.created](/content/docs/reference/post_card-created/index.html): Occurs when a new card is created. (82 words) - [Add case comment](/content/docs/reference/createtransactionmonitoringcasecomment/index.html): Adds a comment to a case. (261 words) - [Get enhanced commercial data](/content/docs/reference/getenhancedtransactiondata/index.html): Get L2/L3 enhanced commercial data associated with a transaction event. Not available in sandbox. (475 words) - [External Payments Lifecycle](/content/docs/docs/external-payments-lifecycle/index.html): Learn about the External Payment event lifecycle permutations you can expect to see on the Lithic platform (1,576 words) - [Get case](/content/docs/reference/gettransactionmonitoringcase/index.html): Retrieves a single transaction monitoring case. (347 words) - [card.shipped](/content/docs/reference/post_card-shipped/index.html): Occurs when a card is shipped. (43 words) - [account_holder_document.updated](/content/docs/reference/post_account-holder-document-updated/index.html): Occurs when an account holder's document upload status has been updated. (35 words) - [Get queue](/content/docs/reference/gettransactionmonitoringqueue/index.html): Retrieves a single transaction monitoring queue. (154 words) - [New Transaction Routing Endpoint Added](/content/docs/changelog/new-transaction-routing-endpoint-added/index.html): Release Date June 16, 2026 Products Affected Transactions API Impact New endpoint added to route transactions to specified financial accounts Audience Customers launching multi-account card programs Action Required None Overview Lithic has launched a new API which lets customers select the specified… (332 words) - [card.updated](/content/docs/reference/post_card-updated/index.html): Occurs when a card is updated. (46 words) - [balance.updated](/content/docs/reference/post_balance-updated/index.html): Financial Account Balance Update (29 words) - [List settlement details](/content/docs/reference/getsettlementdetails/index.html): List details. (566 words) - [account_holder.verification](/content/docs/reference/post_account-holder-verification/index.html): Occurs when an asynchronous account_holder's verification is completed. (16 words) - [List enhanced commercial data](/content/docs/reference/listenhancedtransactiondata/index.html): Get all L2/L3 enhanced commercial data associated with a transaction. Not available in sandbox. (311 words) - [Delete queue](/content/docs/reference/deletetransactionmonitoringqueue/index.html): Deletes a transaction monitoring queue. (50 words) - [Simulate return](/content/docs/reference/postsimulatereturn/index.html): Returns, or refunds, an amount back to a card. Returns simulated via this endpoint clear immediately, without prior authorization, and result in a SETTLED transaction status. (292 words) - [Get management operation](/content/docs/reference/getmanagementoperation/index.html): Get management operation (246 words) - [Deprecated Embedded Card UI](/content/docs/docs/deprecated-embedded-card-ui/index.html): Learn how to embed card PANs and CVV codes. (1,503 words) - [List line items for a statement](/content/docs/reference/getstatementlineitems/index.html): List the line items for a given statement within a given financial account. (329 words) - [Simulate return reversal](/content/docs/reference/postsimulatereturnreversal/index.html): Reverses a return, i.e. a credit transaction with a SETTLED status. Returns can be financial credit authorizations, or credit authorizations that have cleared. (226 words) - [List queues](/content/docs/reference/listtransactionmonitoringqueues/index.html): Lists transaction monitoring queues. (151 words) - [account_holder.created](/content/docs/reference/post_account-holder-created/index.html): Occurs when a new account_holder is created. (31 words) - [Simulate void](/content/docs/reference/postsimulatevoid/index.html): Voids a pending authorization. If amount is not set, the full amount will be voided. Can be used on partially voided transactions but not partially cleared transactions. Simulating an authorization expiry on credit authorizations or credit authorization advice is not currently supported but will be … (329 words) - [Reverse management operation](/content/docs/reference/reversemanagementoperation/index.html): Reverse a management operation (519 words) - [Day of Period added to Loan Tape](/content/docs/changelog/day-of-period-added-to-loan-tape/index.html): Release Date July 10, 2026 Products Affected Loan Tape API Impact New field added to Loan Tape response Audience Customers using Credit Ledgering Action Required None Overview The Loan Tape object now includes a new day_of_period field. This field indicates which day of the current billing period a … (236 words) - [List case activity](/content/docs/reference/listtransactionmonitoringcaseactivity/index.html): Lists the activity feed for a case. (280 words) - [List case transactions](/content/docs/reference/listtransactionmonitoringcasetransactions/index.html): Lists the transactions associated with a case. (137 words) - [Update digital card art for a card tokenization](/content/docs/reference/updatedigitalcardartfortokenization/index.html): This endpoint is used update the digital card art for a digital wallet tokenization. A successful response indicates that the card network has updated the tokenization's art, and the tokenization's digital_cart_art_token field was updated. The endpoint may not be used on tokenizations with status DE… (81 words) - [Simulate clearing](/content/docs/reference/postsimulateclearing/index.html): Clears an existing authorization, either debit or credit. After this event, the transaction transitions from PENDING to SETTLED status. If amount is not set, the full amount of the transaction will be cleared. This endpoint may be called multiple times against the same authorization to simulate a mu… (338 words) - [Create hold](/content/docs/reference/createhold/index.html): Create a hold on a financial account. Holds reserve funds by moving them from available to pending balance. They can be resolved via settlement (linked to a payment or book transfer), voiding, or expiration. (349 words) - [Route a transaction](/content/docs/reference/routetransaction/index.html): Route a card transaction to a financial account. Only available for select use cases and programs. (259 words) - [Reverse external payment](/content/docs/reference/reverseexternalpayment/index.html): Reverse external payment (413 words) - [Delete case comment](/content/docs/reference/deletetransactionmonitoringcasecomment/index.html): Deletes a comment from a case. (56 words) - [Get chargeback request](/content/docs/reference/getdisputebytoken/index.html): Get chargeback request. (422 words) - [Get Single Transaction from Account Activity](/content/docs/reference/getaccountactivity/index.html): Retrieve a single transaction (402 words) - [Delete case file](/content/docs/reference/deletetransactionmonitoringcasefile/index.html): Deletes a file from a case. (46 words) - [Search for card by PAN](/content/docs/reference/searchcardbypan/index.html): Get card configuration such as spend limit and state. Customers must be PCI compliant to use this endpoint. Please contact support.lithic.com for questions. Note: this is a POST endpoint because it is more secure to send sensitive data in a request body than in a URL. (1,453 words) - [Get card transaction](/content/docs/reference/gettransactionbytoken/index.html): Get a specific card transaction. All amounts are in the smallest unit of their respective currency (e.g., cents for USD). (210 words) - [List cases](/content/docs/reference/listtransactionmonitoringcases/index.html): Lists transaction monitoring cases, optionally filtered. (51 words) - [Renew a card](/content/docs/reference/postcardrenew/index.html): Applies to card types PHYSICAL and VIRTUAL . For PHYSICAL , creates a new card with the same card token and PAN, but updated expiry and CVC2 code. The original card will keep working for card-present transactions until the new card is activated. For card-not-present transactions, the original card d… (1,539 words) - [Resend activation code for a card tokenization](/content/docs/reference/resendactivationcodefortokenization/index.html): This endpoint is used to ask the card network to send another activation code to a cardholder that has already tried tokenizing a card. A successful response indicates that the request was successfully delivered to the card network. The endpoint may only be used on Mastercard digital wallet tokeniza… (323 words) - [Expire an authorization](/content/docs/reference/expireauthorization/index.html): Expire authorization (228 words) - [Get hold](/content/docs/reference/gethold/index.html): Get hold by token. (362 words) - [Unpause a card tokenization](/content/docs/reference/unpausetokenization/index.html): This endpoint is used to ask the card network to unpause a tokenization. A successful response indicates that the request was successfully delivered to the card network. When the card network unpauses the tokenization, the state will be updated and a tokenization.updated event will be sent. The endp… (301 words) - [Get funding event details](/content/docs/reference/getfundingeventdetailsbyid/index.html): Get funding event details by id (269 words) - [Activate a card tokenization](/content/docs/reference/activatetokenization/index.html): This endpoint is used to ask the card network to activate a tokenization. A successful response indicates that the request was successfully delivered to the card network. When the card network activates the tokenization, the state will be updated and a tokenization.updated event will be sent. The en… (234 words) - [Get interest tier schedule](/content/docs/reference/getinteresttierschedule/index.html): Get a specific interest tier schedule by effective date (288 words) - [Pause a card tokenization](/content/docs/reference/pausetokenization/index.html): This endpoint is used to ask the card network to pause a tokenization. A successful response indicates that the request was successfully delivered to the card network. When the card network pauses the tokenization, the state will be updated and a tokenization.updated event will be sent. The endpoint… (243 words) - [List interest tier schedules](/content/docs/reference/listinteresttierschedules/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (341 words) - [List events](/content/docs/reference/getevents/index.html): List all events. (1,063 words) - [Get event](/content/docs/reference/getevent/index.html): Get an event. (1,067 words) - [List financial accounts](/content/docs/reference/getfinancialaccounts/index.html): Retrieve information on your financial accounts including routing and account number. (186 words) - [Deactivate a card tokenization](/content/docs/reference/deactivatetokenization/index.html): This endpoint is used to ask the card network to deactivate a tokenization. A successful response indicates that the request was successfully delivered to the card network. When the card network deactivates the tokenization, the state will be updated and a tokenization.updated event will be sent. Au… (236 words) - [Create or update a fraud report for a transaction](/content/docs/reference/createupdatefraudreport/index.html): Report fraud for a specific transaction token by providing details such as fraud type, fraud status, and any additional comments. (571 words) - [Set verification method](/content/docs/reference/setverificationmethod/index.html): Update the verification method for an external bank account. Verification method can only be updated if the verification_state is PENDING . (630 words) - [Get network total](/content/docs/reference/getnetworktotal/index.html): Retrieve a specific network total record by token. Not available in sandbox. (336 words) - [Update interest tier schedule](/content/docs/reference/updateinteresttierschedule/index.html): Update an existing interest tier schedule (161 words) - [Create interest tier schedule](/content/docs/reference/createinteresttierschedule/index.html): Create a new interest tier schedule entry for a supported financial account (236 words) - [Retrieve the Tokenization Decisioning HMAC secret key](/content/docs/reference/gettokenizationdecisioningsecret/index.html): Retrieve the Tokenization Decisioning secret key. If one does not exist your program yet, calling this endpoint will create one for you. The headers of the Tokenization Decisioning request will contain a hmac signature which you can use to verify requests originate from Lithic. See this page for mor… (188 words) - [Simulate payment lifecycle event](/content/docs/reference/simulatepaymentaction/index.html): Simulate payment lifecycle event (297 words) - [Rotate the Tokenization Decisioning HMAC secret key](/content/docs/reference/rotatetokenizationdecisioningsecret/index.html): Generate a new Tokenization Decisioning secret key. The old Tokenization Decisioning secret key will be deactivated 24 hours after a successful request to this endpoint. (199 words) - [Create payment](/content/docs/reference/createpayment/index.html): Initiates a payment between a financial account and an external bank account. (299 words) - [Delete interest tier schedule](/content/docs/reference/deleteinteresttierschedule/index.html): Delete an interest tier schedule entry. Returns: 400 Bad Request: Invalid effective_date format OR attempting to delete the earliest tier schedule entry for a non-PENDING account 404 Not Found: Tier schedule entry not found for the given effective_date OR ledger account not found Note: PENDING accou… (239 words) - [Retry external bank account via prenote](/content/docs/reference/retryprenote/index.html): Retry external bank account prenote verification. (618 words) - [List financial transactions](/content/docs/reference/getfinancialtransactions/index.html): List the financial transactions for a given financial account. (449 words) - [Transaction](/content/docs/reference/transaction/index.html): A transaction object is created when a payment or payment-related event takes place on a card issued via the Lithic platform. Examples of events triggering the creation of a transaction object include a purchase authorization such as when a card is used to spend at a coffee shop, or a credit authori… (115 words) - [Disbursement Solutions - Lithic](/content/docs/docs/disbursements/index.html): Build disbursement programs with Lithic for contractor payments, rewards, settlements, and incentives using instant card funding and ACH transfers. (1,797 words) - [List holds](/content/docs/reference/getfinancialaccountholds/index.html): List holds for a financial account. (491 words) - [Void hold](/content/docs/reference/voidhold/index.html): Void an active hold. This returns the held funds from pending back to available balance. Only holds in PENDING status can be voided. (439 words) - [Retry external bank account via micro deposit](/content/docs/reference/retrymicrodeposit/index.html): Retry external bank account micro deposit verification. (644 words) - [Get loan tape configuration](/content/docs/reference/getloantapeconfiguration/index.html): Get the loan tape configuration for a given financial account. (115 words) - [Get financial transaction](/content/docs/reference/getfinancialtransactionbytoken/index.html): Get the financial transaction for the provided token. (469 words) - [Verify external bank account via micro deposit amounts](/content/docs/reference/verifyexternalbankaccountbymicrodeposits/index.html): Verify the external bank account by providing the micro deposit amounts. (630 words) - [Fetch card signals](/content/docs/reference/getcardsignals/index-2.html): Returns behavioral feature state derived from a card's transaction history. These signals expose the same data used by behavioral rule attributes (e.g. AMOUNT_Z_SCORE with scope: CARD , IS_NEW_COUNTRY with scope: CARD ) and custom code TRANSACTION_HISTORY_SIGNALS features, allowing clients to inspec… (824 words) - [Trust Center - Lithic](/content/trust/resources/index.html): Security is fundamental to how Lithic builds and operates its platform. We design every system with protection, resiliency, and transparency at the forefront. Our security program aligns with SOC 1, SOC 2, ISO 27001, and PCI DSS, ensuring rigorous controls, continuous monitoring, and independent audits across all critical functions. We maintain strict access governance, thorough risk assessments, and a unified control framework to safeguard sensitive data. Protecting customer information isn’t just a requirement for Lithic, it is a core principle that guides every aspect of our operations. (809 words) - [API status check](/content/docs/reference/getstatus/index.html): Status of api (33 words) - [Get settlement summary](/content/docs/reference/getsummary/index.html): Get the settlement report for a specified report date. Not available in sandbox. (243 words) - [Unpause external bank account](/content/docs/reference/unpauseexternalbankaccount/index.html): Unpause an external bank account (584 words) - [Simulate return payment](/content/docs/reference/simulatepaymentsreturn/index.html): Simulates a return of a Payment. (247 words) - [Managing Offline PIN Cards](/content/docs/docs/offline-pin-cards/index.html): This article describes card management specific to offline PIN cards. (1,168 words) - [List Account Activity](/content/docs/reference/listaccountactivity/index.html): Retrieve a list of transactions across all public accounts. (341 words) - [Simulate receipt](/content/docs/reference/simulatepaymentsreceipt/index.html): Simulates a receipt of a Payment. (197 words) - [Update external bank account](/content/docs/reference/patchexternalbankaccountbytoken/index.html): Update the external bank account by token. (786 words) - [Get a fraud report for a transaction](/content/docs/reference/getfraudreport/index.html): Retrieve a fraud report for a specific transaction identified by its unique transaction token. (235 words) - [Pause external bank account](/content/docs/reference/pauseexternalbankaccount/index.html): Pause an external bank account (582 words) - [Get network program](/content/docs/reference/getnetworkprogram/index.html): Get network program. (303 words) - [List network programs](/content/docs/reference/getnetworkprograms/index.html): List network programs. (323 words) - [Reverse book transfer](/content/docs/reference/reversebooktransfer/index.html): Reverse a book transfer (713 words) - [Simulate release payment](/content/docs/reference/simulatepaymentsrelease/index.html): Simulates a release of a Payment. (228 words) - [Update financial account status](/content/docs/reference/updatefinancialaccountstatus/index.html): Update financial account status (325 words) - [Get funding event by ID](/content/docs/reference/getfundingeventbyid/index.html): Get funding event for program by id (369 words) - [Get external payment](/content/docs/reference/getexternalpayment/index.html): Get external payment (288 words) - [Update chargeback request](/content/docs/reference/updatedisputebytoken/index.html): Update chargeback request. Can only be modified if status is NEW . (576 words) - [Create financial account](/content/docs/reference/createfinancialaccount/index.html): Create a new financial account (297 words) - [Lithic Dashboard - Authorization Rules UI](/content/docs/docs/lithic-dashboard-rules-ui/index.html): Managing Authorization Rules in the Lithic Dashboard This guide covers configuring and managing Authorization Rules directly in the Lithic Dashboard interface. Users can create, edit, and monitor rules that control transaction authorizations across a card program without writing code. Introduction T… (1,975 words) - [Get financial account](/content/docs/reference/getfinancialaccountbytoken/index.html): Get a financial account (425 words) - [Update financial account](/content/docs/reference/updatefinancialaccountbytoken/index.html): Update a financial account (256 words) - [Get external bank account by token](/content/docs/reference/getexternalbankaccountbytoken/index.html): Get the external bank account by token. (644 words) - [Release external payment](/content/docs/reference/releaseexternalpayment/index.html): Release external payment (330 words) - [Check the status of a responder endpoint](/content/docs/reference/getresponderendpoints/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (61 words) - [Create management operation](/content/docs/reference/postmanagementoperations/index.html): Create management operation (121 words) - [Enroll a responder endpoint](/content/docs/reference/postresponderendpoints/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (51 words) - [List external payments](/content/docs/reference/getexternalpayments/index.html): List external payments (247 words) - [Reissue physical card](/content/docs/reference/postcardreissue/index.html): Initiate print and shipment of a duplicate physical card (e.g. card is physically damaged). The PAN, expiry, and CVC2 will remain the same and the original card can continue to be used until the new card is activated. Only applies to cards of type PHYSICAL . A card can be reissued or renewed a total… (1,321 words) - [List funding events](/content/docs/reference/getfundingevents/index.html): Get all funding events for program (258 words) - [Disenroll a responder endpoint](/content/docs/reference/deleteresponderendpoint/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (43 words) - [List management operations](/content/docs/reference/getmanagementoperations/index.html): List management operations (95 words) - [Register Account Number](/content/docs/reference/registeraccountnumber/index.html): Register account number (282 words) - [API Basics](/content/docs/docs/api-basics/index.html): Learn our API's fundamentals, including authentication, request structure, error handling, and core functionalities like card issuance and transaction management. (859 words) - [Create external bank account](/content/docs/reference/createexternalbankaccount/index.html): Creates an external bank account within a program or Lithic account. (414 words) - [Transfer funds within Lithic](/content/docs/reference/posttransfer/index.html): Transfer funds between two financial accounts or between a financial account and card (616 words) - [Update event subscription](/content/docs/reference/updateeventsubscription/index.html): Update an event subscription. (645 words) - [Get account credit configuration](/content/docs/reference/getaccountcreditconfiguration/index.html): Get an Account's credit configuration (86 words) - [Send event type example message](/content/docs/reference/sendeventsubscriptionexample/index.html): Send an example message for event. (179 words) - [Request chargeback](/content/docs/reference/postdisputes/index.html): Request a chargeback. (347 words) - [List external bank accounts](/content/docs/reference/searchexternalbankaccounts/index.html): List all the external bank accounts for the provided search criteria. (239 words) - [List message attempts for an event subscription](/content/docs/reference/getmessageattemptsforeventsubscription/index.html): List all the message attempts for a given event subscription. (318 words) - [Get card](/content/docs/reference/getcardbytoken/index.html): Get card configuration such as spend limit and state. (389 words) - [List message attempts for an event](/content/docs/reference/getmessageattemptsforevent/index.html): List all the message attempts for a given event. (161 words) - [Create external payment](/content/docs/reference/postexternalpayments/index.html): Create external payment (98 words) - [Trust Center - Lithic](/content/trust/controls/index.html): Security is fundamental to how Lithic builds and operates its platform. We design every system with protection, resiliency, and transparency at the forefront. Our security program aligns with SOC 1, SOC 2, ISO 27001, and PCI DSS, ensuring rigorous controls, continuous monitoring, and independent audits across all critical functions. We maintain strict access governance, thorough risk assessments, and a unified control framework to safeguard sensitive data. Protecting customer information isn’t just a requirement for Lithic, it is a core principle that guides every aspect of our operations. (425 words) - [Retry book transfer](/content/docs/reference/retrybooktransfer/index.html): Retry a book transfer that has been declined (556 words) - [Withdraw chargeback request](/content/docs/reference/deletedisputebytoken/index.html): Withdraw chargeback request. (539 words) - [Fraud Command](/content/docs/docs/fraud-command/index.html): A complete suite of configurable fraud controls: real-time authorization challenges, tokenization rules, backtesting, custom code rules, and contextual risk signals. (601 words) - [Get book transfer by token](/content/docs/reference/getbooktransfer/index.html): Get book transfer by token (717 words) - [List evidence](/content/docs/reference/getdisputeevidences/index.html): List evidence for a chargeback request. (448 words) - [List card financial transactions](/content/docs/reference/getcardfinancialtransactions/index.html): List the financial transactions for a given card. (753 words) - [Embedded Card UI](/content/docs/docs/embedded-card-ui/index.html): Learn how to embed card details (825 words) - [Get evidence](/content/docs/reference/getdisputeevidencebytoken/index.html): Get evidence for a chargeback request. (349 words) - [List bulk orders](/content/docs/reference/getcardbulkorders/index.html): List bulk orders for physical card shipments (511 words) - [Replay missing messages](/content/docs/reference/replaymissingeventsubscription/index.html): Replays messages to the endpoint. Only messages that were created after begin will be sent. Messages that were previously sent to the endpoint are not resent. Message will be retried if endpoint responds with a non-2xx status code. See Retry Schedule for details. (266 words) - [Create event subscription](/content/docs/reference/createeventsubscription/index.html): Create a new event subscription. (323 words) - [Create book transfer](/content/docs/reference/postbooktransfers/index.html): Book transfer funds between two financial accounts or between a financial account and card (484 words) - [External Payments](/content/docs/docs/external-payments/index.html): Record payment activity that settled outside of Lithic's money-movement rails against a financial account (1,050 words) - [Rotate event subscription secret](/content/docs/reference/rotateeventsubscriptionsecret/index.html): Rotate the secret for an event subscription. The previous secret will be valid for the next 24 hours. (211 words) - [Create card embed session](/content/docs/reference/createcardembedsession/index.html): Creates a short-lived session for displaying card details or setting a card PIN in Lithic-hosted iframes. Create the session on your backend to not expose your API key in browser code. A session token can only be used to reveal card details (per embed type) or submit a pin a single time. Attempting … (379 words) - [Delete event subscription](/content/docs/reference/deleteeventsubscription/index.html): Delete an event subscription. (178 words) - [Credit Statements](/content/docs/docs/credit-statements/index.html): Learn how to retrieve data to generate statements for your credit programs (752 words) - [Get event subscription](/content/docs/reference/geteventsubscription/index.html): Get an event subscription. (195 words) - [List chargeback requests](/content/docs/reference/getdisputes/index.html): List chargeback requests. (217 words) - [Get balances](/content/docs/reference/getbalance/index.html): Get the balances for a given financial account. (464 words) - [Get card financial transaction](/content/docs/reference/getcardfinancialtransactionbytoken/index.html): Get the card financial transaction for the provided token. (389 words) - [Web Push Provision card (Digital Wallet)](/content/docs/reference/postcardwebprovision/index.html): Allow your cardholders to directly add payment cards to the device's digital wallet from a browser on the web. This requires some additional setup and configuration. Please Contact Us or your Customer Success representative for more information. (334 words) - [Resend failed messages](/content/docs/reference/recovereventsubscription/index.html): Resend all failed messages since a given time. (139 words) - [Upload evidence](/content/docs/reference/postevidencedocument/index.html): Use this endpoint to upload evidence for a chargeback request. It will return a URL to upload your documents to. The URL will expire in 30 minutes. Uploaded documents must either be a jpg , png or pdf file, and each must be less than 5 GiB. (245 words) - [Embedded card UI](/content/docs/reference/getembedcard/index.html): Deprecated. Use the modern embedded card flow instead: create a session with POST /v1/cards/{card_token}/embed and render it via GET /v1/embed . Handling full card PANs and CVV codes requires that you comply with the Payment Card Industry Data Security Standards (PCI DSS). Some clients choose to red… (374 words) - [Delete evidence](/content/docs/reference/deletedisputeevidencebytoken/index.html): Soft delete evidence for a chargeback request. Evidence will not be reviewed or submitted by Lithic after it is withdrawn. (215 words) - [Get bulk order](/content/docs/reference/getcardbulkorder/index.html): Retrieve a specific bulk order by token (345 words) - [Update bulk order](/content/docs/reference/patchcardbulkorder/index.html): Update a bulk order. Primarily used to lock the order, preventing additional cards from being added (298 words) - [Update card](/content/docs/reference/patchcardbytoken/index.html): Update the specified properties of the card. Unsupplied properties will remain unchanged. Note: setting a card to a CLOSED state is a final action that cannot be undone. (349 words) - [Create bulk order](/content/docs/reference/postcardbulkorder/index.html): Create a new bulk order for physical card shipments. Cards can be added to the order via the POST /v1/cards endpoint by specifying the bulk_order_token. Lock the order via PATCH /v1/card_bulk_orders/ bulk_order_token to prepare for shipment. Please work with your Customer Success Manager and card pe… (274 words) - [Digital Banking Solutions - Lithic](/content/docs/docs/digital-banking/index.html): Learn how to build digital banking products with Lithic's card issuing, ledger, and ACH capabilities for consumer and commercial banking. (1,055 words) - [Get extended credit](/content/docs/reference/getextendedcredit/index.html): Get the extended credit for a given credit product under a program (191 words) - [List rule evaluation results](/content/docs/reference/get_v2-auth-rules-results/index.html): Lists Auth Rule evaluation results. Limitations: Results are available for the past 3 months only At least one filter ( event_token or auth_rule_token ) must be provided When filtering by event_token , pagination is not supported (319 words) - [Embedded Card UI - React Frontend](/content/docs/docs/embedded-card-ui-react/index.html): A minimal example for clients using React front end (348 words) - [4. Authorize a Transaction - Quick Start Guide](/content/docs/docs/simulate-clearing/index.html): Lithic's Quick Start guide. Step 4: Authorize a Transaction (64 words) - [Get card embed iframe](/content/docs/reference/getcardembed/index.html): Returns a Lithic-hosted HTML document for a single card detail or PIN setting control. Use the URL, including its query parameters, as the src of an iframe. The session must be created on your server with POST /v1/cards/{card_token}/embed . (232 words) - [Provision card (Digital Wallet)](/content/docs/reference/postcardprovision/index.html): Allow your cardholders to directly add payment cards to the device's digital wallet (e.g. Apple Pay) with one touch from your app. This requires some additional setup and configuration. Please Contact Us or your Customer Success representative for more information. (338 words) - [Get card balances](/content/docs/reference/getcardbalance/index.html): Get the balances for a given card. (303 words) - [Get card's available spend limit](/content/docs/reference/getcardspendlimits/index.html): Get a Card's available spend limit, which is based on the spend limit configured on the Card and the amount already spent over the spend limit's duration. For example, if the Card has a monthly spend limit of $1000 configured, and has spent $600 in the last month, the available spend limit returned … (430 words) - [Bulk Shipping Physical Cards](/content/docs/docs/bulk-shipping-physical-cards/index.html): Learn how to group cards together to be bulk shipped to a single location. (631 words) - [Financial Account Status Lifecycle](/content/docs/docs/financial-account-status-lifecycle/index.html): Learn how to manage your Financial Accounts throughout the lifecycle of your customers (867 words) - [Simulate authorization](/content/docs/reference/postsimulateauthorize/index.html): Simulates an authorization request from the card network as if it came from a merchant acquirer. If you are configured for ASA, simulating authorizations requires your ASA client to be set up properly, i.e. be able to respond to the ASA request with a valid JSON. For users that are not configured fo… (517 words) - [Post Credit Product Prime Rate](/content/docs/reference/createprimerates/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (61 words) - [Rate Limits](/content/docs/docs/rate-limits/index.html): Learn about API rate limits. (649 words) - [Get Credit Product Prime Rates](/content/docs/reference/getprimerates/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (82 words) - [Transaction Webhooks](/content/docs/docs/transaction-webhooks/index.html): Learn about transaction webhooks. (129 words) - [List book transfers](/content/docs/reference/getbooktransfers/index.html): List book transfers (96 words) - [Managing Online PIN Cards](/content/docs/docs/pin-management/index.html): This article describes card management specific to online PIN cards. (497 words) - [Respond to Authorization Challenge](/content/docs/reference/respondtoauthorizationchallenge/index-2.html): Card program's response to Authorization Challenge. Programs that have Authorization Challenges configured as Out of Band receive a card_authorization.challenge webhook when an authorization attempt triggers a challenge. The card program should respond using this endpoint after the cardholder comple… (106 words) - [List balances](/content/docs/reference/getbalances/index.html): Get the balances for a program, business, or a given end-user account (174 words) - [List cards](/content/docs/reference/getcards/index.html): List cards. (75 words) - [Quickstart](/content/docs/docs/quickstart/index.html): Quickstart (31 words) - [List rule versions](/content/docs/reference/get_v2-auth-rules-auth-rule-token-versions/index.html): Returns all versions of an auth rule, sorted by version number descending (newest first). (188 words) - [Download the Postman Collection](/content/docs/docs/postman/index.html): Get Lithic's Postman Collection (401 words) - [List backtests](/content/docs/reference/get_v2-auth-rules-auth-rule-token-backtests/index.html): Lists backtests for an Auth Rule (111 words) - [Balances](/content/docs/docs/balances/index.html): Learn how Lithic tracks balances in different kinds of accounts (491 words) - [View Card PANs & CVVs - Quick Start Guide](/content/docs/docs/quick-start-card-ui/index.html): Create a card program in 20 minutes with Lithic's Quick Start guide. Step 8: View Card PANs & CVVs (402 words) - [Financial Account Closures [BETA]](/content/docs/docs/financial-account-closures-beta/index.html): Account closures are important in financial systems for several reasons: Risk Management : When an account is closed, it helps mitigate potential fraud or unauthorized transactions. If a credit or charge account remains open, there’s a risk that someone could continue to use it without the account h… (617 words) - [Editing Account Holder Details](/content/docs/docs/editing-account-holder-details/index.html): Lithic has expanded our capabilities to update information on existing account holders. In order to introduce new functionality while continuing support for our existing Update Account Holder Information endpoint we have two ways the information can be submitted. Both formats below will be supported… (401 words) - [Ledger Use Cases and Funds Flows](/content/docs/docs/ledger-use-cases/index.html): Combine Financial Accounts and Payments to move money at scale (446 words) - [Account Holders (Individuals)](/content/docs/docs/account-holders-kyc/index.html): Learn how to create an account holder object for individual end-users. (385 words) - [ACH Payments Lifecycle](/content/docs/docs/ach-payments-lifecycle/index.html): Learn about the ACH payment event lifecycle permutations you can expect to see on the Lithic platform. (3,797 words) - [Accounts & Money Movement Overview](/content/docs/docs/lithic-send-beta/index.html): Build full stack disbursement solutions at Lithic (416 words) - [2. Authorize a Transaction - Quick Start Guide](/content/docs/docs/simulate-auth/index.html): Create a card program in 20 minutes with Lithic's Quick Start guide. Step 2: Authorize a Transaction (100 words) - [List event subscriptions](/content/docs/reference/geteventsubscriptions/index.html): List all the event subscriptions. (223 words) - [Environments](/content/docs/docs/enviornments/index.html): Lithic API Enviorments (182 words) - [KYC/KYB Status](/content/docs/docs/kyckyb-status/index.html): Learn how to check the status of a KYC or KYB evaluation. (259 words) - [Ledger Principles](/content/docs/docs/ledger-principles/index.html): Lithic enforces the following principles to ensure accuracy and scalability in how you track funds. (159 words) - [Lithic - Page Not Found](/content/app/account/index.html) (16 words) - [Card Accounts](/content/docs/docs/accounts/index.html): Learn how to configure accounts in your card program to manage spend. (140 words) - [3. View Simulated Transaction - Quick Start Guide](/content/docs/docs/get-pending-transaction/index.html): Create a card program in 20 minutes with Lithic's Quick Start guide. Step 3: View a Transaction (141 words) - [5. View a Transaction - Quick Start Guide](/content/docs/docs/get-cleared-transaction/index.html): Create a card program in 20 minutes with Lithic's Quick Start guide. Step 5: View a Transaction (138 words) - [Sign Up](/content/docs/docs/sign-up/index.html): Sign up for the Lithic Dashboard (274 words) - [Lithic Developer Documentation](/content/docs/docs/welcome/index.html): Learn about the building blocks and concepts that will help you manage your Lithic integration. (195 words) - [Quick Start - Commercial Charge Card](/content/docs/docs/quick-start-commercial-charge-card/index.html): Commercial Charge is a charge card configuration for SMBs that combines the flexibility of card-based spend with the discipline of periodic full payment. Unlike revolving credit, customers must pay their full statement balance by the due date—interest is not charged. Commercial Charge enables you to… (2,269 words) - [External Bank Accounts](/content/docs/docs/external-accounts-api/index.html): Add and verify external bank accounts to process ACH (2,929 words) - [Quick Start - Disbursements](/content/docs/docs/quick-start-lithic-send/index.html): This guide will walk you through a basic disbursement flow using Lithic’s Financial Accounts, Balance, and Financial Transactions endpoints. You will learn how to fund your program, send funds between financial accounts, and track their balances and financial transactions. Step 1 - Create your end-u… (1,357 words) - [Crash Course in Sponsor Bank MSAs with Andrew Grant | Lithic](/content/blog/crash-course-in-sponsor-bank-msas-with-andrew-grant.html): In this episode of Fintech Layer Cake, Reggie Young presents a crash course on Sponsor Bank MSAs (Master Services Agreements) with Andrew Grant, co-founder of The Runway Group. They unpack the complexities of these critical agreements, discuss the latest trends in regulatory expectations, and highlight key strategies for founders and operators to navigate sponsor-bank relationships effectively. (7,392 words) - [Transaction Object](/content/docs/docs/transactions/index.html): Learn more about how the Lithic platform uses transactions to inform you about activity taking place on your cards. (3,374 words) - [Chargebacks](/content/docs/docs/disputes-api/index.html): Learn how to use Lithic's Chargebacks offering to simplify your dispute process. (2,174 words) - [Account Holders (Businesses/KYB)](/content/docs/docs/account-holders-kyb/index.html): Learn how to create an account holder object for businesses. (2,384 words) - [Revolving Credit Solutions - Lithic](/content/docs/docs/revolving-credit/index.html): Build revolving credit card programs with Lithic's credit product capabilities, including interest accrual, statement generation, and payment processing. (1,530 words) - [Marketing Guidelines](/content/docs/docs/marketing-guidelines/index.html): Marketing your card program is difficult because of the maze of federal and state laws, and card network rules that you need to follow. This guide contains best practices to help you comply with laws and other obligations based on the type of marketing material you’re creating. (2,249 words) - [Fintech Guide to Bank Identification Numbers (BINs) | Lithic](/content/blog/bank-identification-numbers/index.html): 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. (2,135 words) - [Custom Code Rules](/content/docs/docs/custom-code-rules/index.html): Write TypeScript authorization logic that compiles to WebAssembly and runs in Lithic's Rules Engine with deterministic execution for backtesting. (1,724 words) - [Simulating Account Holder Creation](/content/docs/docs/simulating-account-holder-creation/index.html): Simulate various KYB pending or rejected statuses in sandbox. (687 words) - [Contrarian Takes on Visa Flex, Fintech VC, and More with Lithic’s Nikil Konduru | Lithic](/content/blog/contrarian-takes-on-visa-flex-fintech-vc/index.html): This episode of FinTech Layer Cake podcast features a contrarian take on Visa Flex, Fintech VC, and more with Lithic’s Nikil Konduru. (5,099 words) - [Retrieve a dispute](/content/docs/reference/getdisputebytokenv2/index.html): Retrieves a specific dispute by its token. (698 words) - [About 3DS](/content/docs/docs/about-3ds/index.html): Learn about how 3DS works and how it is relevant to your card program. (942 words) - [About Authorization Intelligence](/content/docs/docs/about-authorization-intelligence/index.html): An overview of Lithic's Authorization Intelligence framework for programmable, context-aware decisioning across every stage of the payment lifecycle. (2,050 words) - [Guide to Q1 2023 Lithic API Changes](/content/docs/docs/guide-to-q1-2023-lithic-api-changes/index.html): In this guide, we discuss a few improvements we are making to our API in January and February 2023 that will apply to both the sandbox and production environments. (1,241 words) - [Events API and Webhooks](/content/docs/docs/events-api/index.html): Learn how to receive and query events. (1,552 words) - [Web Push Provisioning](/content/docs/docs/web-push-provisioning/index.html): Allow users to push provision their card from a website to the mobile wallet. (747 words) - [Disputes in Dashboard](/content/docs/docs/disputes-in-dashboard/index.html): Manage your disputes in the Lithic Dashboard. (491 words) - [Types of Events](/content/docs/docs/types-of-events/index.html): Event Types Event Type Description account_holder.created Occurs when a new account holder is created. See Create Webhook for KYC/KYB Status . account_holder.updated Occurs when an account holder is updated. See Create Webhook for KYC/KYB Status . account_holder.verification Occurs when an asynchro… (824 words) - [Convert virtual to physical card](/content/docs/reference/postconvertphysical/index.html): Convert a virtual card into a physical card and manufacture it. Customer must supply relevant fields for physical card creation including product_id , carrier , shipping_method , and shipping_address . The card token will be unchanged. The card's type will be altered to PHYSICAL . The card will be s… (1,628 words) - [Lithic E-book | How Stablecoins Are Reshaping Global Payments](/content/grow/ebook-stablecoins/index.html): See how stablecoin-backed card programs work, where the market is headed, and why leading fintechs are building with Lithic. (202 words) - [Settlement API](/content/docs/docs/settlement-reporting/index.html): Learn about Lithic's settlement reporting suite (1,581 words) - [Cards](/content/docs/docs/cards/index.html): Learn how to create, update cards. (928 words) - [Guide to Lithic API Changes](/content/docs/docs/guide-to-lithic-api-changes-march-2022/index.html): In this guide, we discuss a few modifications we are making to our API in August and September 2022 that will apply to both our sandbox and production environments. (955 words) - [Lithic E-book | How Stablecoins Are Reshaping Global Payments](/content/stablecoins-ebook/index.html): See how stablecoin-backed card programs work, where the market is headed, and why leading fintechs are building with Lithic. (863 words) - [RFP Template for Card Issuing Solutions | Lithic](/content/blog/card-issuing-rfp-template/index.html): In this guide, you’ll learn how to evaluate card issuing providers and issuer processors, which criteria to include in your RFP, and get access to a downloadable card issuing RFP template. (2,253 words) - [Financial Accounts](/content/docs/docs/financial-accounts/index.html): Learn how Lithic's Financial Accounts are created, and what they store (863 words) - [[DEPRECATED] Authorization Rules (V1)](/content/docs/docs/auth-rules/index.html): Learn how to create, update and apply simple rules on card transactions. (1,018 words) - [Fintech Guide to Payment Card Fraud | Lithic](/content/blog/fraud/index.html): Fraud is a challenge that all companies offering financial services need to learn to deal with. In this guide, we explore card program fraud in detail. (2,217 words) - [Developer-First Issuer Processing | Lithic](/content/blog/developer-first-issuer-processing/index.html): Learn how developer-first issuer processing builds flexibility into your card program and gets you to market fast. (1,802 words) - [What is Interchange? Fintech Interchange Revenue | Card Programs | Lithic](/content/blog/interchange/index.html): Explore the economics of interchange fees, their role in the payments market, and how founders can earn interchange income by offering card products. (2,127 words) - [Embedded Finance 101 | Lithic](/content/blog/embedded-finance-101/index.html): Learn the basics of embedded finance, how it works, and how it can help increase customer loyalty and unlock new revenue opportunities (1,625 words) - [ACH Auth Rules](/content/docs/docs/ach-auth-rules/index.html): Set configurable rules to control how you receive ACH Payments using ACH Auth Rules endpoints. (747 words) - [Card Processor 101 with Braulio Lam from EQ Bank | Lithic](/content/blog/card-processor-101-with-braulio-lam-from-eq-bank/index.html): In this episode of FinTech Layer Cake, Reggie and Ali are joined by Braulio Lam, Senior Director of Engineering at EQ Bank, to unpack the essential ingredients of selecting and integrating a card processor. (3,961 words) - [Credit Configurations](/content/docs/docs/credit-products/index.html): Configure Your Revolving or Charge Card Program (654 words) - [Physical Cards Setup](/content/docs/docs/physical-cards-setup-guide/index.html): Learn how to set up a physical card program. (737 words) - [Transaction Monitoring](/content/docs/docs/transaction-monitoring/index.html): Detect, investigate, and resolve suspicious card activity directly inside Lithic. Configure rules that tag transactions or open cases, then work those cases to resolution from the API or the Lithic Dashboard. (472 words) - [Legal Templates](/content/docs/docs/legal-templates/index.html): Welcome to the Lithic Legal Library — a repository of legal and compliance templates for card programs. This library is open and free for all companies to use, and includes templates for key policies, agreements, and disclosures. Legal Disclaimer Important Legal Notice The following templates are no… (1,220 words) - [Tokenization Decisioning](/content/docs/docs/tokenization-control/index.html): Learn how to decision tokenizations with Lithic. (703 words) - [How to Build and Scale a Compliance Team | Lithic](/content/blog/compliance-team/index.html): In this guide, we provide guidance on how to build a compliance team from scratch, covering everything from staffing to responsibilities. (1,166 words) - [Get a list of individual or business account holders](/content/docs/reference/getaccountholders/index.html): Get a list of individual or business account holders and their KYC or KYB evaluation status. (169 words) - [Card Tokenization: The Complete Guide | Lithic | Lithic](/content/blog/card-tokenization-for-modern-card-programs/index.html): Card tokenization touches every channel cardholders use to pay. Learn how it works, where card programs struggle, and what effective infrastructure looks like. (3,320 words) - [Create a new rule](/content/docs/reference/post_v2-auth-rules/index.html): Creates a new V2 Auth rule in draft mode (407 words) - [Auth Stream Access (ASA)](/content/docs/docs/auth-stream-access-asa/index.html): Learn about providing your own authorization rules by registering an endpoint. (1,110 words) - [Create case file](/content/docs/reference/createtransactionmonitoringcasefile/index.html): Creates a file record and returns a presigned URL for uploading the file to the case. (302 words) - [dispute_transaction.updated](/content/docs/reference/post_dispute-transaction-updated/index.html): Occurs when a dispute transaction for a Managed Disputes case is updated. (131 words) - [List digital card art](/content/docs/reference/getdigitalcardart/index.html): List digital card art. (403 words) - [Charge Card](/content/docs/docs/commercial-charge-card-overview/index.html): The flexibility of credit-based spend with the discipline of periodic full payment (1,019 words) - [Managing Your Program](/content/docs/docs/managing-your-program/index.html): Learn about the building blocks and concepts that will help you manage your card program. (491 words) - [Resend event](/content/docs/reference/resendevent/index.html): Resend an event to an event subscription. (227 words) - [| Lithic](/content/blog/how-mercury-scaled-secure-debit-and-credit-cards-with-lithic.html): How Mercury reduced card fraud by 40% and scaled to $248B in transaction volume using Lithic's programmable authorization infrastructure and integrated 3DS. (24 words) - [List card programs](/content/docs/reference/getcardprograms/index.html): List card programs. (407 words) - [Get digital card art by token](/content/docs/reference/getdigitalcardartbytoken/index.html): Get digital card art by token. (325 words) - [Update account credit configuration](/content/docs/reference/patchaccountcreditconfiguration/index.html): Update an account's credit configuration (138 words) - [Fintech guide to bank partners and sponsors | Lithic](/content/blog/bank-partners/index.html): Bank partnerships are a critical part of most US fintech offerings. In this guide, we help you navigate the process of selecting a sponsor bank. (3,190 words) - [About Digital Wallets](/content/docs/docs/about-digital-wallets/index.html): Learn about how digital wallets and tokenized cards work, and how they might be a fit for your card program. (1,744 words) - [Resuming automatic transitions for financial account states](/content/docs/changelog/resuming-automatic-transitions-for-financial-account-states.html): Release Date June 8, 2026 Products Affected Financial Accounts API Impact Resuming automatic transitions for formerly INTEREST_AND_FEES_PAUSED financial accounts Audience Customers using Revolving Credit financial accounts Action Required None Overview Lithic will now automatically handle all statu… (154 words) - [Introducing Lithic, The Fastest Way To Create Payment Cards | Lithic](/content/blog/introducing-lithic/index.html): Created for developers, by developers, Lithic is the fastest card issuing platform to programmatically create virtual and physical payment cards. (856 words) - [Fintech Guide to Building US KYC and KYB Operations | Lithic](/content/blog/kyc-operations/index.html): This guide explains common KYC requirements and highlights areas that you’ll likely need to consider as you build up your KYC operations. (1,836 words) - [Lithic MCP](/content/docs/reference/mcp/index.html): Lithic Developer API Model Context Protocol (MCP) server enables AI-powered code editors like Cursor and Windsurf, Claude Code, Gemini, and Codex, to interact directly with the Lithic API. (529 words) - [Fintech Guide to Chargeback Management | Lithic](/content/blog/chargebacks/index.html): This guide is designed to help fintech founders understand the intricacies of chargebacks and how to build a strategy to manage them effectively. (1,133 words) - [Get event subscription secret](/content/docs/reference/geteventsubscriptionsecret/index.html): Get the secret for an event subscription. (216 words) - [Issuer Processors 101: Definition and Examples | Lithic | Lithic](/content/blog/issuer-processors-101-what-they-are-and-how-they-power-card-programs.html): What is an issuer processor, and how can you choose the right one for you? Learn the best way to work with an issuer processor in this guide. (1,427 words) - [How Program Services Enhance Your Card Program | Lithic | Lithic](/content/blog/how-program-services-can-accelerate-your-card-program.html): Discover how Lithic’s Program Services help teams scale their card programs without the overhead, from disputes and fraud mitigation to customer support. (1,316 words) - [Simulate 3DS authentication](/content/docs/reference/postsimulateauthentication/index.html): Simulates a 3DS authentication request from the payment network as if it came from an ACS. If you're configured for 3DS Customer Decisioning, simulating authentications requires your customer decisioning endpoint to be set up properly (respond with a valid JSON). If the authentication decision is to… (332 words) - [Get card program](/content/docs/reference/getcardprogram/index.html): Get card program. (179 words) - [Fraud Detection 101 Q&A With Zach Pierce | Lithic](/content/blog/fraud-detection-101-q-a-with-zach-pierce/index.html): This Q&A is part of the Fraud Fighters Manual, a collective set of stories from Fintech fraud fighters. (2,460 words) - [Authorization Rules](/content/docs/docs/authorization-rules-v2/index.html): Learn how to create, update and apply customizable Lithic-hosted authorization decisioning to card transactions, 3DS authentication, tokenization, and ACH payments. (1,164 words) - [Idempotent Requests](/content/docs/docs/idempotent-requests/index.html): Learn how to make idempotent POST requests (508 words) - [Fraud Detection 101 | Lithic](/content/blog/fraud-detection-101/index.html): You know your fraudsters—the thieves, the con artists, the opportunists. You know how these bad actors steal and fabricate identities to take over accounts and unleash chaos. The question is how you can protect your organization and your customers from falling victim to fraud. (918 words) - [Retrieve the ASA HMAC secret key](/content/docs/reference/getauthstreamsecret/index.html): Retrieve the ASA HMAC secret key. If one does not exist for your program yet, calling this endpoint will create one for you. The headers (which you can use to verify webhooks) will begin appearing shortly after calling this endpoint for the first time. See this page for more detail about verifying A… (191 words) - [ACH at Lithic](/content/docs/docs/ach-overview/index.html): How Lithic offers ACH to our clients (1,338 words) - [January 5, 2024](/content/docs/changelog/january-5-2024/index.html): New Type Field in Settlement API We have added a new type field to the Settlement API. This field identifies the type of each settlement record. This field provides increased visibility into settlement activity and enables a more granular understanding of the data, key benefits include: The ability … (235 words) - [Simulate authorization advice](/content/docs/reference/postsimulateauthorizationadvice/index.html): Simulates an authorization advice from the card network as if it came from a merchant acquirer. An authorization advice changes the pending amount of the transaction. (278 words) - [Tokenization Management](/content/docs/docs/token-management/index.html): Tokenization management allows customers to manage the lifecycles of card tokenizations, including: Activating tokens Deactivating tokens Pausing tokens Unpausing tokens Resending activation codes Updating digital card art You may also hear this called Customer Service APIs or Token Lifecycle Manage… (657 words) - [October 20, 2023](/content/docs/changelog/october-20-2023/index.html): Card Programs and Digital Card Art Endpoints Users can now view their card_program_token and digital_card_art_token via both the API and Lithic Dashboard. At card creation, customers can optionally pass a card_program_token to specify the BIN the card will be created on. With the Card Program API , … (142 words) - [October 5, 2023](/content/docs/changelog/october-5-2023/index.html): Cursor-based Pagination for All API Endpoints! We're excited to announce an enhancement to the pagination system for all Lithic API endpoints: Cursor-based Pagination! What's Changing? Previously, our top-level API resources like accounts, cards, and transactions employed an offset-based pagination … (389 words) - [December 18, 2023](/content/docs/changelog/december-18-2023/index.html): Release Notes for December 19, 2023 Based on customer feedback, we are adding a new detailed_results field to the events array contained in the transaction object. This field will offer a comprehensive set of result codes, which will clarify why a specific transaction event was declined, or confirm … (298 words) - [Lithic MCP Server — Model Context Protocol (MCP) for the Lithic API](/content/docs/docs/mcp/index.html): Set up the Lithic MCP server in Cursor, Claude Code, VS Code Copilot, Windsurf, Cline, Claude Desktop, Claude.ai, ChatGPT, Gemini, or Codex. Search Lithic docs, explore API endpoints, and execute requests from your editor. (610 words) - [Crypto and Fintech: A World of Opportunities at the Intersection | Lithic](/content/blog/crypto-and-fintech/index.html): We discuss crypto and fintech, and the need for infrastructure that allows consumers and businesses to move seamlessly between crypto and legacy banking. (2,347 words) - [Gift Card Requirements | Promo Card Rules | Fintech | Lithic](/content/blog/gift-card-requirements/index.html): Any fintech founder thinking about leveraging gift cards or promotional cards should understand gift card requirements and how they're regulated. (1,353 words) - [Processing vs. Program Managed](/content/docs/docs/po-vs-pm/index.html): Learn about the building blocks and concepts that will help you manage your card program. (410 words) - [Card Programs: Managed Program vs. Processor Only | Lithic](/content/blog/card-program-management/index.html): In this guide, we explain the differences in responsibilities and resources between a managed card program and managing your own program. (1,985 words) - [September 18, 2023](/content/docs/changelog/september-18-2023/index.html): Simulate Webhook Events with the New Simulation Endpoint Introducing: Sending Example Events We're thrilled to announce a new feature that allows developers to send sample webhook events through the API. With this release, you can now test your integrations in the Sandbox environment using our new s… (168 words) - [Lithic Dashboard Overview](/content/docs/docs/managing-your-program-with-lithic-dashboard/index.html): Managing API Keys In Lithic Dashboard, you can add, disable, and delete your production and sandbox API keys. Please note that only Program Admins and Organization Admins have access to and control of API keys. In the event that you need to cycle an API key that is currently in use: Create a new pro… (814 words) - [Compare](/content/compare/index.html): Compare Lithic to alternative issuer processors. See how Lithic delivers quick implementation, hands-on program support, and developer-friendly APIs. (54 words) - [January 29, 2024](/content/docs/changelog/january-29-2024/index.html): Enhanced ASA Request Retry Mechanism On February 6 (Tuesday), we plan to release a change in how ASA requests are retried in case of transient failures. In the past, our system did not retry ASA requests if the network connection was interrupted during request processing. With this release, our syst… (121 words) - [Gordian Software uses Lithic to offer virtual cards and fuel 10X growth | Lithic](/content/blog/gordian-software/index.html): Gordian Software uses Lithic to add virtual cards into its API. The company has since grown 10X and is processing 8-figures in annual transaction volume. (914 words) - [August 15, 2023](/content/docs/changelog/august-15-2023/index.html): API Idempotency We are pleased to introduce Idempotency on the Lithic API. This feature ensures that even in scenarios of connectivity disruptions or uncertainty, you can confidently resend requests without the risk of unintended repetitions. Users can now include an "Idempotency-Key: " header … (156 words) - [Guide to Digital Wallets and Tokenized Cards | Lithic](/content/blog/digital-wallets/index.html): In this guide, we explain how digital wallets work and break down the step-by-step process required to offer a digital wallet compatible card. (1,934 words) - [3DS Decisioning Models](/content/docs/docs/3ds-decisioning-models/index.html): Choose the 3DS decisioning model that is right for your program (287 words) - [How Flex Is Transforming Rent Payments | Lithic](/content/blog/how-flex-is-transforming-rent-payments/index.html): Flex chose Lithic for the robust infrastructure capabilities and consultative implementation approach that started on day one. Lithic worked cross-functionally with Flex’s product, engineering, and compliance teams throughout the process, ensuring the solution addressed all of their technical and regulatory requirements. (819 words) - [New Ways to Onboard and Verify Your Customers | Lithic](/content/blog/identity-verification/index.html): We’re introducing new Know Your Customer (KYC) and offerings that will streamline the way you onboard and verify customers. We’re also adding Know Your Business (KYB) workflows. (368 words) - [Ledger Overview](/content/docs/docs/ledger-overview/index.html): Use Lithic's native Financial Accounts to track balances (385 words) - [Create card](/content/docs/reference/postcards/index.html): Create a new virtual or physical card. Parameters shipping_address and product_id only apply to physical cards. (44 words) - [Changelog](/content/docs/changelog/index.html): The Lithic developer API provides a predictable and programmatic interface to create and configure virtual cards. Get real-time payment data, programmatically issue cards, configure card permissions, and set spending limits all through the API. (399 words) - [Getting Started](/content/docs/docs/getting-started/index.html): Set up the welcome page for your API to help users make their first call. (108 words) - [Consumer Card Constructs: Debit, Prepaid, Charge, Credit Card | Lithic](/content/blog/consumer-card/index.html): This guide will define, explain, and help differentiate the various types of consumer card constructs fintech companies can launch. New financial products… (1,979 words) - [API Libraries and OpenAPI Spec](/content/docs/docs/api-libraries/index.html): API Client Libraries Lithic has client libraries you can use to speed up your time to market. Using our client, you can execute a wide range of common operations including: Listing transactions with auto-pagination so you don't have to query successive pages manually Webhook verification Automatic r… (262 words) - [October 19, 2023](/content/docs/changelog/october-19-2023/index.html): ASA Responder Endpoint Updates Now Available Self-Serve Previously, if a card program wanted to update their ASA responder endpoint, the Lithic Team would need to make the change on their behalf. As of today, updating an ASA responder is now self-serve through the Lithic API. We've added AUTH_STREAM… (80 words) - [Lithic - Sign Up](/content/app/signup/index.html) (30 words) - [FS Vector on Election Fintech Implications with Ashwin Vasan and Peter Freeman | Lithic](/content/blog/fs-vector-on-election-fintech-implications-with-ashwin-vasan-and-peter-freeman.html): In this episode of Fintech Layer Cake, Reggie Young sits down with Ashwin Vasan and Peter Freeman, partners at FS Vector, to discuss the evolving regulatory landscape and its implications for fintech and banking innovation. From personnel changes in Washington to the future of digital assets and data privacy, Ashwin and Peter provide actionable insights on what’s shaping the fintech industry in the wake of election outcomes. (921 words) - [Introducing Lithic Send: Flexible Solutions for Card Disbursement Programs | Lithic](/content/blog/introducing-lithic-send/index.html): Introducing Lithic Send, a new set of products designed for companies that need a faster, more flexible way to build card disbursement programs. (898 words) - [Lithic Legal Library: Free Legal Templates for Card Programs | Lithic](/content/blog/legal-library/index.html): The Lithic Legal Library is an open repository of legal and compliance templates that are free for all companies to use. (586 words) - [December 5, 2023](/content/docs/changelog/december-5-2023/index.html): Multiple Programs Now Supported in Lithic Dashboard Lithic Dashboard now supports browsing multiple programs from a single login. All Lithic customers with more than one Lithic program will soon be able to browse their programs from one login. Each Lithic customer now has an Organization under which… (139 words) - [From Foundations to Full Control: Fraud Essentials and Fraud Command Are Live | Lithic](/content/blog/from-foundations-to-full-control-fraud-essentials-and-fraud-command-are-live.html): We’re excited to officially launch Fraud Essentials and Fraud Command. Together, they cover the full spectrum of what card programs need to protect cardholders, reduce losses, and operate with confidence. (756 words) - [Introducing Lithic’s Commercial Charge Card | Lithic](/content/blog/introducing-lithics-commercial-charge-card/index.html): We’re excited to announce that Lithic is expanding our support of credit programs with our first fullstack credit product – Lithic’s Commercial Charge Card (736 words) - [Enhance Commercial Transactions with Lithic’s L2 and L3 Data Support | Lithic](/content/blog/enhanced-commercial-data/index.html): Lithic's enhanced commercial data transforms how businesses manage their spending. Read the full post to learn more. (1,032 words) - [Generate an API key - Quick Start Guide](/content/docs/docs/get-api-key/index.html): A quick start guide on how to generate an API key for the Lithic platform. (132 words) - [How to Switch Issuer Processors | Lithic](/content/blog/how-to-switch-issuer-processors/index.html): Key considerations a card issuer should take into account before switching issuer processors. (713 words) - [1. Create a Card - Quick Start Guide](/content/docs/docs/create-card/index.html): Lithic's Quick Start guide. Step 1: Create a Card (153 words) - [Five Years of Direct Federal Reserve Processing: How We Built It | Lithic](/content/blog/five-years-of-direct-federal-reserve-processing-how-we-built-it.html): In my last article, I discussed how we intentionally designed Lithic’s core issuer processing infrastructure to eliminate legacy tech debt and third-party dependencies. We explored how Lithic maintains direct connections from our datacenters to international payment card networks and the Federal Reserve to enable platform reliability, control, and uptime, but didn’t investigate in detail what this last point of Direct-to-Fed connectivity means. As one of six companies that provide both FedLine Direct and card network issuer processing, Lithic is uniquely situated to support ambitious, innovative companies in bringing compelling payments and banking products to market. (1,158 words) - [Lithic Product Update: July 2022 | Lithic](/content/blog/july-product-update-2022/index.html): New releases in July 2022: cash back amounts in Auth Stream Access, pre-release notes, simplified card types, and the Lithic Legal Library. (531 words) - [How Karta is Bringing Premier Banking & Credit to Global Citizens | Lithic](/content/blog/how-karta-is-bringing-premier-banking-credit-to-global-citizens.html): Lithic gave Karta the building blocks to construct a card program that reflects how their business actually works, not how legacy processors assume it should. (527 words) - [Lithic Product Releases: January 2023 | Lithic](/content/blog/january-product-update-2023/index.html): New releases: transaction events and decline reasons in the dashboard, a Java client library, updates to our Node.js and Python libraries, and sandbox improvements to support additional transaction lifecycle testing. (401 words) - [How Atlas is building a smarter, safer path to credit | Lithic](/content/blog/how-atlas-is-building-a-smarter-safer-path-to-credit.html): Lithic’s issuing and processing platform gives Atlas the control and agility they need to move fast using built-in support for security features like 3D Secure (3DS), real-time decisioning, and a developer-first toolkit. (493 words) - [HMAC in ASA Headers for Enhanced Security | Card Issuing | Lithic](/content/blog/hmac-iasa-headers/index.html): HMAC headers in Authorization Stream Access (ASA) requests adds an additional layer of security by enabling you to verify the authenticity of information received via webhooks. (375 words) - [How to Evaluate a Card Issuing Partner | Lithic](/content/blog/card-issuing-partner/index.html): Finding a long-term card issuing partner can be difficult. This guide covers how to evaluate providers and what to look for in a long-term partner. (1,409 words) - [Introducing Lithic's Integration Partner Program | Lithic](/content/blog/integration-partner-program/index.html): Introducing Lithic's Integration Partner Program to help our customers launch card products faster when using the best fintech API providers in the market. (437 words) - [Lithic Kotlin client library (SDK) | Easier Card Product Development | Lithic](/content/blog/introducing-our-kotlin-based-lithic-client-library/index.html): Lithic's Kotlin client library provides Kotlin developers convenient access to the Lithic API so they can execute a wide range of common operations faster and more efficiently. (214 words) - [Discover Lithic Innovation: Our Q2 Product Release Notes | Lithic](/content/blog/q2-product-release-notes/index.html): Discover Lithic’s Q2 product updates, including transaction monitoring, ready to deploy fraud rules library, and new consumer revolving credit capabilities for ambitious fintechs. (159 words) - [Introducing Accounts and ACH | Lithic](/content/blog/introducing-accounts-and-ach/index.html): We're excited to announce that Lithic is going beyond cards with two new additions to our product line - Lithic's Accounts and ACH. Seamlessly integrated with Cards, this suite equips businesses with the tools to develop holistic payment solutions through APIs. (459 words) - [Lead's Journey and Tips for Fintech with co-founder Erica Khalili | Lithic](/content/blog/leads-journey-and-tips-for-fintech-with-co-founder-erica-khalili.html): Fintech Layer Cake officially kicks off its third season as Reggie Young and Alli Nilsen dive into an insightful conversation with Erica Khalili, Chief Legal Risk Officer and Co-founder of Lead. Erica shares the transformative journey of Lead, from its legacy as a century-old institution to becoming a cutting-edge fintech sponsor bank. She discusses the critical pillars of success—technical excellence, client obsession, and risk management—and reflects on the evolving landscape of fintech partnerships and compliance. Packed with real-world insights, this episode is a must-listen for fintech enthusiasts and industry leaders alike. (203 words) - [Building an Authorization Rules Engine | Lithic](/content/blog/authorization-rules-engine/index.html): Card authorization - the process of approving or declining card transactions - is at the heart of any card program. (2,064 words) - [Electronic Fund Transfer Act and Regulation E for Fintechs | Lithic](/content/blog/efta-reg-e/index.html): In this blog, we break down the EFTA and Reg E, the federal laws that protect consumers when they transfer funds electronically. (903 words) - [Building for a Company of Builders | Lithic](/content/blog/building-for-a-company-of-builders/index.html): Over the past year, one thing we've learned is that AI transformation is not primarily about technology. It's about organizational design. The hardest problems in technology adoption aren't technical, they're human. (1,028 words) - [Launch Templated Physical Cards in One Week | Lithic](/content/blog/faster-templated-physical-cards/index.html): We've released improvements that enable customers to launch templated physical cards in just a week, a 2-3x improvement over traditional templated setups. Our new process uses lightly customizable templates and eliminates steps that can lead to errors and design delays. (256 words) - [How to Go Direct to a Sponsor Bank | Lithic](/content/blog/how-to-go-direct-to-a-sponsor-bank/index.html): Learn about the importance of bank partnerships when building card programs and find out how to go direct to a sponsor bank. (252 words) - [Fixing SMB Cash Flow with Ariel Blum, CEO & Founder of Receive | Lithic](/content/blog/flc-receive/index.html) (209 words) - [Fintech Guide to Building a Compliance Program | Lithic](/content/blog/compliance-program/index.html): Compliance can feel like a black box to many fintech operators. In this guide, we explain how to approach building a compliance program. (1,342 words) - [| Lithic](/content/blog/clients-cardholders-and-the-case-for-prioritizing-support.html) (803 words) - [Buy Now Pay Later (BNPL): The Unbundling of Credit Cards | Lithic](/content/blog/bnpl-the-unbundling-of-credit-cards/index.html): BNPL started out as a checkout feature, and has transformed into a consumer product. This points to a larger trend that opens up opportunities for fintechs. (1,159 words) - [From Conditions to Custom Code: How We Built It | Lithic](/content/blog/from-conditions-to-custom-code-how-we-built-it/index.html): Templates can only take you so far. This post explains how we built Custom Code Rules, a recently released feature that’s part of our Fraud Command package which let clients write their own TypeScript logic directly Lithic's Rules Engine. (457 words) - [FTA's Penny Lee on Federal Fintech Developments and Open Banking | Lithic](/content/blog/ftas-penny-lee-on-federal-fintech-developments-and-open-banking.html): In this episode of Fintech Layer Cake, host Reggie Young chats with Penny Lee, President and CEO of the Financial Technology Association (FTA). Penny shares insights on key federal fintech policy developments, the implications of open banking, and how fintech companies can navigate the evolving regulatory landscape. They discuss recent court filings related to CFPB’s final open banking rule, regulatory trends under the new administration, and opportunities for fintechs to influence policy. (172 words) - [Podcast Episode 2: Pain Points in Crypto Infrastructure | Lithic](/content/blog/episode-2-crypto-infrastructure/index.html): This episode of the Fintech Layer Cake podcast features a deep dive on pain points in crypto with Sara Xi, Chief Product Officer of Prime Trust. (656 words) - [Canadian Fintech Primer with Tal Schwartz | Lithic](/content/blog/canadian-fintech-primer-with-tal-schwartz/index.html): In this episode of Fintech Layer Cake, Reggie Young speaks with Tal Schwartz, founder of the Canadian Fintech Newsletter and Exit North Ventures. Together, they explore the Canadian fintech ecosystem, comparing it with the U.S., discussing unique market dynamics, and highlighting opportunities in embedded finance and regulatory innovation. Tal also shares insights on building a Fintech fund and why Canada is primed for fintech growth. (1,514 words) - [Lithic Caps Year of 10x Growth with Appointment of New CFO | Lithic](/content/blog/cfo/index.html): Lithic hires former Bread and AMEX Executive Steven Goran to help Lithic Prepare for Massive Growth in 2022. Today we announced Steven Goran as Lithic's Chief Financial Officer. (595 words) - [AI Adoption Survey and Fintech Trends with Jas Randhawa | Lithic](/content/blog/flc-jas-randhawa/index.html): In this episode of FinTech Layer Cake, host Reggie Young welcomes back Jas Randhawa, Founder and Managing Partner at Strategy Brix, for a candid look at how fintechs are really using AI in compliance. (222 words) - [Lithic Events API and Webhooks Now Available in Beta | Lithic](/content/blog/events-api/index.html): Today, we’re launching our Events API and Webhooks, a powerful new tool to help you manage webhooks and events across our issuing platform. (306 words) - [Fintech Lending Capital Market Primer | Lithic](/content/blog/fintech-lending-capital-market-primer/index.html): In this Episode, Robin Poore, VP of Capital Markets & Treasury at BlueVine, talks about the purpose and effect of capital markets for fintechs. He explains the process lenders go through when approving loans through different avenues and emphasizes the qualities fintechs should watch out for in funding partners. (137 words) - [Lithic Product Update: February 2023 | Lithic](/content/blog/february-product-update-2023/index.html): Shipped this month: Lithic Events Platform, faster templated physical cards, and transaction object improvements. (254 words) - [Exploring Debt Collection Innovation with Ohad Samet | Lithic](/content/blog/exploring-debt-collection-innovation-with-ohad-samet.html): Reggie Young, with Eduardo Lopez, interview TrueML Co-founder and CEO, Ohad Samet, about debt collection: the problems, the innovations, and the future of the field. (139 words) - [From Fannie Mae's first PM to Pathward Innovation with Suhas Reddy | Lithic](/content/blog/from-fannie-maes-first-pm-to-pathward-innovation-with-suhas-reddy.html): Host Reggie Young sits down with Suhas Reddy, Head of Product at Pathward Bank, to unpack what it really means to build product inside the most regulated corners of financial services. (257 words) - [Lithic Disputes API: Submit and Manage Disputes Programmatically | Lithic](/content/blog/disputes-api/index.html): Today, we’re launching the Lithic Disputes API, a new tool that enables customers to submit and manage disputes programmatically. Using the API, customers can submit disputes, upload evidence, receive real-time updates on a dispute's status, and issue refunds to cardholders when a dispute is won. (435 words) - [Fraud & AML Functions with Trisha Kothari | Lithic](/content/blog/fraud-aml-functions-with-trisha-kothari/index.html): This episode tackles FRAML (Fraud and Anti-money Laundering) essentials for fintechs like investment costs & mistakes, weak spots fraudsters exploit, and issues when tackling fraud and AML. Reggie, Matt, and Trisha Kothari discuss fundamental concepts and people you should have in your business, while juggling investing, getting ROIs, losing money, and finding growth and innovation in the Fintech field. (151 words) - [Demo | Powering agentic payments at fintech_devcon | Lithic](/content/blog/fintech-devcon-agentic-payments/index.html) (253 words) - [Introducing the New Lithic Dashboard | Lithic](/content/blog/dashboard/index.html): Today we launched the new Lithic Dashboard, a tool for developers and cross-functional users to configure, monitor, and browse their card programs. (239 words) - [Imprint CTO Will Larson on Fintech Engineering Strategy | Lithic](/content/blog/flc-imprint/index.html): In this episode of Fintech Layer Cake, Imprint CTO Will Larson unpacks lessons from leading engineering teams at Stripe, Carta, Calm, Uber, and more. (200 words) - [MTLs and Money Transmission Primer with Evan Minsberg | Lithic](/content/blog/flc-evan-minsberg/index.html) (181 words) - [Credit Statements Generation is Now Live | Lithic](/content/blog/credit-statements-generation-is-now-live/index.html): Building credit statements is a significant engineering and compliance investment for programs to manage on their own and the primary motivation for why we’ve built it as core credit infrastructure rather than something programs have to assemble themselves., (532 words) - [Earned Wage Access and Fintech Policy Primer with Ben LaRocco of EarnIn | Lithic](/content/blog/earned-wage-access-with-ben-larocco-earnin/index.html): This episode of Fintech Layer Cake podcast features earned wage access and a fintech policy primer with Ben LaRocco of EarnIn. (479 words) - [Exploring Spend Management with Thejo Kote | Lithic](/content/blog/exploring-spend-management-with-thejo-kote/index.html): Reggie Young interviews Thejo Kote, founder and CEO of Airbase. They talk about the current state of spend management (aka expense management), and Thejo’s predictions for the field for the next few years. (102 words) - [Digital Wallet Innovation and Adyen Lessons with Sophia Goldberg | Lithic](/content/blog/digital-wallet-innovation-and-adyen-lessons-with-sophia-goldberg.html): Reggie Young interviews Sophia Goldberg, the CEO and co-founder of Ansa. Sophia shares her expertise and insights on digital wallets, the future of payment systems, overlooked aspects of the payment process, and how companies could potentially challenge card networks with innovative payment systems. (141 words) - [Exploring FDIC and Bank Failures | Lithic](/content/blog/exploring-fdic-and-bank-failures/index.html): Reggie Young and Alexandra Barrage dive deep into the FDIC’s significance in the financial space of both banks and fintech. (140 words) - [Escheatment Primer + Innovation with Eisen CEO Allen Osgood | Lithic](/content/blog/escheatment-primer-innovation-with-eisen-ceo-allen-osgood.html): Host Reggie Young sits down with Allen Osgood, CEO and co-founder of Eisen, the company modernising escheatment — the process by which dormant accounts and abandoned funds get transferred to state governments. (223 words) - [Discover and Google Lessons, and Recent Compliance Trends with Zarik Khan | Lithic](/content/blog/discover-and-google-lessons-and-recent-compliance-trends-with-zarik-khan.html): In this episode of Fintech Layer Cake, host Reggie Young speaks with Zarik Khan, Head of Compliance Testing at Flex, about the critical role of compliance in fintech companies and how it impacts long-term sustainability and growth. (202 words) - [Disputes in Dashboard | Lithic](/content/blog/disputes-in-dashboard/index.html): Transaction disputes dashboard, file disputes, dispute management, (231 words) - [Building “Always On” Compliance With AI | Lithic](/content/blog/building-always-on-compliance-with-ai/index.html): Every consumer card program operating in the United States carries a non-negotiable obligation: Know Your Customer. KYC isn't a checkbox. It's a living requirement that governs who is permitted to access the financial system and who isn't. (1,278 words) - [Architecting a Modern Card Authorization Platform | Lithic](/content/blog/card-authorization-platform/index.html): Card payments involve four key players: the acquirer (who enables merchants to accept card payments), the card network (like Visa or Mastercard, who operate the payment scheme), the processor (who handles the technical aspects of card management), and the issuer (who provides cards to consumers). (814 words) - [Coinstar Selects Lithic to Power New GPR Card, Transforming Physical Currency into Digital Financial Services | Lithic](/content/blog/coinstar-selects-lithic-to-power-new-gpr-card-transforming-physical-currency-into-digital-financial-services.html): Leading fintech infrastructure provider Lithic enables seamless physical-to-digital currency conversion through the CINQ by Coinstar™ Debit Card (365 words) - [Cards, Real Time Payments, and Credit Trends with Matthew Goldman | Lithic](/content/blog/cards-real-time-payments-and-credit-trends-with-matthew-goldman.html): Reggie Young sits down with fintech expert Matthew Goldman in a deep dive into the world of card payments, real-time payment systems, and the latest trends in credit cards. With his extensive background in the card space and as the leader of Totavi, a boutique fintech consulting firm, Matthew shares his invaluable insights on the evolution of card products, the impact of regulatory changes, and the future of credit card services. They explore the nuances of banking relationships, fraud management, and the burgeoning field of Credit-Card-as-a-Service, offering listeners a comprehensive understanding of the current state and future prospects of the fintech industry. (241 words) - [Podcast Episode 3: State Regulators | Lithic](/content/blog/episode-3-state-regulators/index.html): This episode of the Fintech Layer Cake podcast features a deep dive about how fintechs should think about regulators and regulation. (16,791 words) - [Explainer on Fintech AML Law Requirements | Lithic](/content/blog/bsa-aml/index.html): AML laws require fintechs to have programs and tools in place to detect/prevent money laundering. This explainer helps you navigate what’s needed. (961 words) - [Podcast Episode 1: Compliance 101 | Lithic](/content/blog/episode-1-compliance-101/index.html): This episode of the Fintech Layer Cake podcast features a deep dive on fintech compliance. (11,880 words) - [Bank Earnings Takeaways with American Banker Reporter Polo Rocha | Lithic](/content/blog/bank-earnings-takeaways-with-american-banker-reporter-polo-rocha.html): This episode of Fintech Layer Cake podcast features bank earnings takeaways with American Banker Reporter Polo Rocha. (741 words) - [Building the Agentic Accounting System that Banks, Auditors, and Analysts Love | Lithic](/content/blog/building-the-agentic-accounting-system-that-banks-auditors-and-analysts-love.html): Lithic built a bottoms-up subledger system that reconciles all activity to external sources at the transaction level, then layered on AI agents to make the validation process scalable, repeatable, and able to operate at a depth and speed that would be difficult to match manually (1,143 words) - [CFPB Primer | Lithic](/content/blog/cfpb-primer/index.html): Matt and Reggie take a deep dive into why the government was forced to finally create the Consumer Financial Protection Bureau. They discuss how it started, its purpose, the policies it created, and its impact on Fintech. (132 words) - [Compliance 3.0, the Future of Bank Sponsorship, and Lessons from Monzo with Cable CEO Natasha Vernier | Lithic](/content/blog/compliance-3-0-the-future-of-bank-sponsorship-and-lessons-from-monzo-with-cable-ceo-natasha-vernier.html): In this episode of Fintech Layer Cake, host Reggie Young is joined by Natasha Vernier, CEO and co-founder of Cable, to discuss the future of compliance in the fintech industry, known as "Compliance 3.0." (155 words) - [Building the Modern Tax Engine with Gavin Nachbar, Column Tax Cofounder and Aiwyn CPO | Lithic](/content/blog/building-the-modern-tax-engine-with-gavin-nachbar/index.html): In this episode, host Reggie Young sits down with Gavin Nachbar, founder of Column Tax and Chief Product Officer at Aiwyn, to unpack what it really takes to build in one of fintech’s most complex and overlooked spaces: tax filing. (269 words) - [Card Network Dynamics and Utah Fintech | Lithic](/content/blog/card-network-dynamics-and-utah-fintech/index.html): In this episode, Reggie, Matt, and Scott demystify card networks and explain different core functions, its implementation, and its future in financial or payment institutions. Scott talks about core functions related to card issuance, acquiring and acceptance of payments, and additional services beyond the network operations. He also brings up the challenge of managing everything with the diversity and limitations in networks, while emphasizing the huge influence of technology to the growth of fintechs in Utah. (156 words) - [Authorization Rules Dashboard: Fight Fraud Code-Free | Lithic](/content/blog/authorization-rules-dashboard/index.html): We're excited to announce that the Lithic Authorization Rules product is now available directly in the Lithic Dashboard. (416 words) - [Building M1, Growing Consumer Wealth, and Buying a Bank with Brian Barnes | Lithic](/content/blog/building-m1-growing-consumer-wealth-and-buying-a-bank-with-brian-barnes.html): Reggie Young & Nikil Konduru sit down with Brian Barnes, Founder & CEO at M1, to take a closer look at the fintech landscape.From buying a bank, creating a rewards card, and encouraging customer investment, their insights aim to help both consumers and investors in their fintech journey. (159 words) - [Building a Credit Card That Actually Wins | Lithic](/content/blog/building-a-credit-card-that-actually-wins/index.html): Robin Gandhi and Will Wissing of Lithic join Scott Johnson and Colton Pond of LoanPro to dive into the challenges of launching successful credit card programs. They unpack why many fail, highlighting the need to understand market demands, attract customers, and balance lending with usage. (308 words) - [Bank Data Crash Course with Lee Easton of iDENTIFY | Lithic](/content/blog/bank-data-crash-course-with-lee-easton-of-identify/index.html): In this episode of Fintech Layer Cake, host Reggie Young sits down with Lee Easton, founder and president of iDENTIFY, to unpack one of fintech’s least understood layers: bank transaction data. (141 words) - [Breaking Down the Open Banking Rules with Matt Janiga | Lithic](/content/blog/breaking-down-the-open-banking-rules-with-matt-janiga.html): Join host Reggie Young in this episode as he explores open banking insights with Matt Janiga, former Fintech Layer Cake co-host, regulatory expert, and current Legal Counsel at Trustly. Dive into the world of open banking and explore the regulatory landscape, dissecting the Consumer Financial Protection Bureau's (CFPB) proposed rules. Discover the potential impact on competition, data access, and consumer choice in the fintech ecosystem. Whether you're interested in open banking regulations or cutting-edge payment solutions, this episode offers valuable insights into the fintech industry's evolving landscape. (159 words) - [The Ghost of Fintech Future: Fraud, UK Fintech Lessons, and Sardine Insights with Simon Taylor of Sardine | Lithic](/content/blog/the-ghost-of-fintech-future-fraud-uk-fintech-lessons-and-sardine-insights-with-simon-taylor-of-sardine.html): In this episode of Fintech Layer Cake, host Reggie Young sits down with Simon Taylor, Head of Strategy and Content at Sardine, renowned author of the Fintech Brainfood newsletter, and host of the Fintech Brainfood podcast. (1,209 words) - [Card Program Management: A Complete Guide | Lithic | Lithic](/content/blog/what-is-card-program-management/index.html): Card program management removes operational complexity from launching and scaling card programs. Explore approaches, challenges, and real-world results. (2,479 words) - [The Guide to Settlement Processing For Card Programs | Lithic | Lithic](/content/blog/what-is-settlement-processing/index.html): Settlement processing converts cleared card transactions into fund movements. Learn how it works and what effective settlement infrastructure looks like. (3,420 words) - [Bank Portal Terms of Use | Lithic](/content/legal/bank-portal-terms-of-use/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (2,493 words) - [Highnote vs Lithic](/content/comparison/highnote/index.html): Highnote’s shallow network connectivity, limited access to Federal Reserve rails, and supporting services limit scaling programs. Lithic's direct network connections and complete services offerings give you the confidence and operational support embedded fintechs can't deliver. (230 words) - [Program Management vs. Direct-to-Bank: A Nuanced Take | Lithic](/content/blog/program-management-direct-to-bank/index.html): Everyone launching a card product is presented with the same fundamental question at the beginning of their journey: Will you go with a full program manager, or will you take the direct-to-bank route? (1,674 words) - [3DS for Issuers: From Liability Burden to Fraud Intelligence | Lithic](/content/blog/3ds-issuers/index.html): 3DS (3-Domain Secure) gets its name from the three domains that coordinate to verify a cardholder’s identity: the issuer domain (the card program), the acquirer domain (the merchant), and the interoperability domain (the card network infrastructure). (2,076 words) - [Travel](/content/industries/travel/index.html): From airline ancillaries to hotel bookings, Lithic powers the virtual card infrastructure that keeps travelers moving and travel brands profitable. (507 words) - [Lithic Incentive Cardholder Agreement | Lithic](/content/legal/incentive-card/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (1,855 words) - [State of the Card Union: 2024 Trends, AI, and Secured Cards with Matthew Goldman | Lithic](/content/blog/state-of-the-card-union-2024-trends-ai-and-secured-cards-with-matthew-goldman.html): In this episode of Fintech Layer Cake, Reggie Young is joined by Matthew Goldman, founder of Totavi, to dive into the latest card trends of 2024 and look ahead at what's in store for 2025. As the first return guest, Matthew shares his insights on the evolving fintech landscape, including the rise of secured cards, the impact of AI in payments, the potential of stablecoins, and predictions for the future of payments. Plus, we explore the regulatory challenges fintechs may face in the coming years and the growing interest in open banking. Tune in for an in-depth discussion on the card industry’s biggest takeaways and where it's headed next. (4,066 words) - [A Guide to Landing a Sponsor Bank for Fintechs | Lithic](/content/blog/signing-the-dotted-line-a-guide-to-landing-a-sponsor-bank-for-fintechs.html): How can you speed up the due diligence and signing process with your sponsor bank? This guide helps you avoid roadblocks and sign the dotted line quickly. (3,414 words) - [Payment Testing Tools | Increase Revenue And Reduce Churn | Lithic](/content/blog/payment-testing/index.html): Payment testing proactively identifies potential payment failures by simulating various payment scenarios. (964 words) - [Stripe vs Lithic](/content/comparison/stripe/index.html): Stripe will get a program up and running quickly, but its rigid capabilities and limited issuing expertise hamper maturing customers when their programs become more complex. Lithic's platform scales with you as your program evolves and expands. (334 words) - [Product Updates](/content/product-updates/index.html): Stay current with Lithic's latest product releases and updates. Explore innovations in card issuing, fraud controls, and payment infrastructure. (670 words) - [Marqeta vs Lithic](/content/comparison/marqeta/index.html): Marqeta’s aging infrastructure slows operations and muddles observability. Lithic's modern platform is built from first principles so you can make real-time changes and understand performance at every level. (344 words) - [5 of the Most Prolific (and Surprising) Industries Adopting Card Issuing | Lithic](/content/blog/5-of-the-most-prolific-and-surprising-industries-adopting-card-issuing.html): We've put together a list of the more popular, and surprising, industries (and companies) using card issuing to grow their businesses. (1,243 words) - [Authorized User Terms | Lithic](/content/legal/authorized-user-terms/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (1,663 words) - [Lithic milestone: $1B in charge card transactional volume | Lithic](/content/blog/1b-in-charge-card-volume/index.html): Last month, we announced our full stack commercial charge card. We're excited to announce that we've crossed and blown past $1 billion in annual charge card volume here at Lithic, with transaction volumes growing fast. (600 words) - [California Consumer Privacy Act Notice | Lithic](/content/legal/california-consumer-privacy-act-notice/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (1,368 words) - [Transaction Processing](/content/transaction-processing/index.html): Direct Visa, Mastercard, and Amex connections with 99.99% uptime and high fidelity data. Build custom authorization logic with flexible real-time Auth Rules. (909 words) - [Simon Taylor on Agentic Payments and Opportunities | Lithic](/content/blog/simon-taylor-on-agentic-payments-and-opportunities/index.html): In this episode of FinTech Layer Cake, host Reggie Young welcomes back Simon Taylor—fintech thought leader, writer of Fintech Brainfood, and Head of Strategy & Content at Sardine. (1,399 words) - [Fintech Regulations and Compliance: State Regulators | Lithic](/content/blog/state-regulators/index.html): State regulators have the most impact on fintechs. In this guide, we explain how to navigate state regulations and interact with regulators. (1,572 words) - [Fraud Risk Management](/content/fraud-risk-management/index.html): Prevent fraud with Authorization Rules, 3DS authentication, velocity controls, and dispute management. Test shadow mode rules and use Lithic risk expertise. (1,185 words) - [Guide | 3DS - The Ultimate Guide for Card Issuers](/content/grow/3ds-guide/index.html): Lithic’s 3DS solution allows issuers to participate in the 3DS flow and leverage 30+ new data fields to intelligently authenticate transactions without taking on unnecessary fraud-liability risk. (134 words) - [Disbursement & Payout Solutions](/content/solutions/disbursements/index.html): Instantly disburse funds via virtual cards, physical cards, or ACH with granular spend controls. Streamline payouts with fraud protection and real-time tracking. (330 words) - [$1bn Total Processing Volume | Lithic](/content/blog/1-billion-monthly-tpv/index.html): Reaching $1 billion in monthly total processing volume (TPV) for the first time this past November 2024 is a milestone that marks more than just numbers—it tells the story of perseverance, adaptability, and lessons learned over the past decade. (785 words) - [Lithic 3DS Support for Better Fraud Management | Lithic](/content/blog/3ds-support-for-better-fraud-management/index.html): Today, we are expanding our fraud offering with two new ways for Lithic card programs to participate in 3-D Secure (3DS) in beta (532 words) - [Agentic Payments](/content/grow/agentic-payments/index.html): Learn how Lithic can help you implement agentic payment workflows through precise controls, complex authorization rules, fraud protection, and dispute management. (132 words) - [Guide | How to Go Direct to a Sponsor Bank](/content/grow/direct-sponsor-bank/index.html): We’ve talked to dozens of sponsor banks about what they’re looking for in a fintech partner—and put together this guide so that you can go direct to a sponsor bank, prepared. (156 words) - [Fleet Cards](/content/solutions/fleet-cards/index.html): Launch hybrid or open-loop fleet cards with enhanced Level 2/3 data for fuel and maintenance. Granular fraud and spend controls simplify expense integration. (373 words) - [Client Stories](/content/client-stories/index.html): Discover how innovative companies like Mercury, Karta, and Atlas build modern payment solutions with Lithic's card issuing and processing platform. (456 words) - [Program Management](/content/services/program-management/index.html): Launch card programs faster with dedicated sponsor bank and network management, customer support, risk strategy, and dispute resolution services. (930 words) - [Agentic Commerce | Unlock Secure, Autonomous Payments](/content/solutions/agentic-commerce/index.html): Unlock agentic commerce with Lithic. Enable AI-driven payments while staying in control with secure virtual cards, adaptive approvals, and seamless workflow integration. (474 words) - [Insurance Payouts](/content/industries/insurance-payouts/index.html): Replace paper checks with digital payments that accelerate claims resolution, improve customer satisfaction, and provide complete visibility. (498 words) - [Digital Banking Solutions](/content/solutions/digital-banking/index.html): Power digital banking with card issuing, money movement, and ledgering technology. Deliver 99.99% uptime, real-time settlement, and fee-free ATM access. (458 words) - [E-SIGN Consent | Lithic](/content/legal/e-sign-consent/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (1,009 words) - [Stablecoin](/content/solutions/stablecoin/index.html): Make stablecoins spendable with issuer processing infrastructure built for speed, control, and compliance. Launch stablecoin-backed cards in weeks. (439 words) - [Questions to Ask Your Virtual Card Provider | Lithic](/content/blog/virtual-card-provider-questions/index.html): Besides the speed, cost, and ease benefits, issuing virtual cards also adds a new revenue stream — interchange. Be sure to ask your virtual card provider… (1,820 words) - [Fintech Careers | Join the Future of Financial Innovation at Lithic](/content/about/careers/index.html): Build innovative infrastructure at Lithic. Competitive benefits including equity, 401K match, unlimited PTO, generous parental leave, and full health coverage. (613 words) - [A Former Prosecutor on How Fintechs Become Targets, with Laurel Loomis Rimon from Jenner & Block | Lithic](/content/blog/a-former-prosecutor-on-how-fintechs-become-targets-with-laurel-loomis-rimon-from-jenner-block.html): Host Reggie Young sits down with Laurel Loomis Rimon, co-chair of Jenner & Block's fintech and crypto assets practice, to unpack how fintech enforcement really works, from what puts a company on an investigator's radar to navigating debanking and KYC in a fast-moving regulatory environment. (474 words) - [i2c vs Lithic](/content/comparison/i2c/index.html): i2C's transaction decisioning and broader program configurations exist in a black box clients can't access. Lithic gives you transparent authorization, configurable fraud protection, and APIs built for speed and control. (304 words) - [Vulnerability Disclosure Policy | Lithic](/content/legal/security/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (712 words) - [Whitepaper | Future Fleet](/content/grow/future-fleet/index.html): In our whitepaper, "Future Fleet: How Fleet Card Innovation is Changing the Industry," we explore the trends reshaping fleet payments and how innovative providers are meeting the needs of modern fleets. (157 words) - [Expense Management](/content/industries/expense-management/index.html): Build differentiated expense management solutions with modern card issuing infrastructure. Launch faster, control spending better, and scale with confidence. (460 words) - [Blog Featuring Fintech Industry News and Product Updates | Lithic](/content/blog/index.html): Lithic's card issuing platform, flexible API, and skilled team provide issuer processing services for customized debit, credit, and prepaid card programs. (228 words) - [Switching Issuer Processors](/content/grow/switching-issuer-processors/index.html): Power payouts and disbursements with Lithic’s API-first solution. (97 words) - [Cookie Policy | Lithic](/content/legal/cookie-policy/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (552 words) - [Talking Plaid’s Technological Choices and the Rise of American Open Finance With Zach Perret | Lithic](/content/blog/talking-plaids-technological-choices-and-the-rise-of-american-open-finance-with-zach-perret.html): From building a single application programming interface (API) to connect to bank accounts in 2013, Plaid is now a multi-product fintech giant. The company's story is intertwined with the rise of American open finance and fintech, as examining its past and current technological choices reveals. (1,524 words) - [| Lithic](/content/blog/2025-cards-year-in-review-with-matthew-goldman/index.html) (277 words) - [Unit vs Lithic](/content/comparison/unit/index.html): Middleware solutions like Unit don’t provide the configurability serious card programs need to grow. Lithic's direct processing infrastructure gives you the control and flexibility to build without limitations. (218 words) - [Credit](/content/solutions/credit/index.html): Issue consumer and commercial charge or revolving credit cards with flexible payment terms. Launch in weeks with robust fraud controls and custom rewards. (403 words) - [Webinars](/content/webinars/index.html): Watch live and on-demand webinars covering agentic commerce, credit cards, digital banking, stablecoins, and fintech partnerships from Lithic experts. (212 words) - [Navigating Fintech Compliance with Alloy’s Tommy Nicholas | Lithic](/content/blog/navigating-fintech-compliance-with-alloys-tommy-nicholas.html): Alloy’s Annual State of Compliance Benchmark Report 2023 noted that 60% of fintechs paid at least $250,000 in compliance fines over the past year. Tommy joined Reggie Young, product counsel at Lithic to discuss Alloy's report and how he believes fintechs can more effectively navigate compliance. (1,118 words) - [Beta Terms | Lithic](/content/legal/beta-terms/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (455 words) - [Whitepaper | The Modern Ledger](/content/grow/modern-ledger/index.html): Power payouts and disbursements with Lithic’s API-first solution. (109 words) - [10 Years of Lithic Design | Lithic](/content/blog/10-years-of-lithic-design/index.html): As we celebrate a decade of card issuing at Lithic, we’re excited to share the latest evolution of our product and brand design. (305 words) - [Unlocking Premium Card Economics with Visa ALM | Lithic](/content/blog/visa-alm/index.html) (1,352 words) - [2023 Fintech Trends with Alex Johnson and Jason Mikula | Lithic](/content/blog/2023-fintech-trends-with-alex-johnson-and-jason-mikula.html): Reggie Young and Matt Janiga interview Alex Johnson, creator of the newsletter Fintech Takes, and Jason Mikula, writer of Fintech Business Weekly. Alex and Jason talk about CFPB regulations, fintech competition, and customer choice. (170 words) - [Rewards & Loyalty](/content/industries/rewards-loyalty/index.html): Power spend-based rewards with flexible earn structures, dynamic redemption options, and real-time point tracking that drives top-of-wallet behavior. (508 words) - [Processing Only](/content/services/processing-only/index.html): Lithic empowers Fintech product teams to build flexible products on its payment infrastructure fast and reliably. (279 words) - [August 22, 2023](/content/docs/changelog/august-22-2023/index.html): Product Update: Enhanced Monitoring with New Webhook Event for Dispute Evidence Uploads We understand the importance of promptly handling card disputes and the critical role evidence plays in these processes. To ensure you're always in the loop, we've made an essential addition to our Events API. In… (131 words) - [Novo Case Study: Scaling with a Modern Card Issuing Platform | Lithic](/content/blog/novo-case-study-scaling-with-a-modern-card-issuing-platform.html): After considering options for replacing their legacy payment processor, including Banking-as-a-Service (BaaS) platforms, Novo settled on Lithic. In Lithic, Novo found product and support alignment with their goals... (2,173 words) - [How Modern Ledgers Power Financial Product Innovation | Lithic](/content/blog/modern-ledgering-guide/index.html): Discover how modern ledgering is the essential source of truth powering financial product innovation and scalable growth for fintechs and financial service providers. (2,447 words) - [ACH Authorizations | Lithic](/content/legal/ach-authorizations/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (365 words) - [Lithic Product Update: October 2022 | Lithic](/content/blog/october-product-update-2022/index.html): We launched KYC-exempt account holder enrollment, flexible digital wallet card art, and cardholder authentication fields in transactions. (496 words) - [Fintech Layer Cake Podcast | Hear From Fintech Leaders](/content/payments-industry/fintech-podcast/index.html): A fintech podcast where industry leaders slice big Financial Technology topics into bite-sized pieces. We make fintech a piece of cake for everyone. (384 words) - [Smarter Rules, Less Risk: Backtesting and Custom Code Are Here | Lithic](/content/blog/smarter-rules-less-risk-backtesting-and-custom-code-are-here.html): Two powerful new capabilities, backtesting and Custom Code Rules, are now generally available in the Lithic Dashboard. Together, they represent a meaningful expansion of what card programs can do with our decisioning rules platform and they’re among the first features available within Fraud Command, our new premium fraud tooling tier launching soon. (1,154 words) - [Lithic Product Update: August 2022 | Lithic](/content/blog/august-product-update-2022/index.html): We released a Quick Start Guide, digital wallets in ASA, end-to-end KYB testing in Sandbox, and several new resources on card program management. (402 words) - [Healthcare Payments](/content/industries/healthcare-payments/index.html): Deliver clinical and patient payments instantly with built-in compliance and flexible disbursement options. (475 words) - [Marketing & Ad Spend](/content/industries/marketing-ad-spend/index.html): Power performance marketing with virtual cards that deliver real-time spending visibility, precise campaign controls, and seamless reconciliation across platforms. (525 words) - [How Online Travel Agencies Use Virtual Cards to Simplify and Scale Payments | Lithic](/content/blog/ota-payment-challenges/index.html): Managing payments can be complex and inefficient for online travel agencies. Discover how OTAs are using virtual cards to simplify and scale payments. (1,616 words) - [Card Authorizations | Lithic](/content/legal/card-authorizations/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (211 words) - [Corporate Incentives](/content/industries/corporate-incentives/index.html): Build compelling incentive and rewards programs with modern card issuing infrastructure. Launch faster, customize experiences, and scale disbursements with confidence. (499 words) - [Bill Pay](/content/industries/bill-pay/index.html): 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. (511 words) - [Your Program](/content/grow/your-program/index.html): Interested in using Lithic for card program management or issuer processing? Fill out our contact form to chat with one of our payments experts today. (195 words) - [Switching Your Sponsor Bank? Navigating the Complexities of BIN Migrations with Active Cards | Lithic](/content/blog/sponsor-bank-bin-migrations/index.html): Lithic's Head of Compliance explains how to navigate the complexities of BIN migrations when switching your sponsor bank (1,066 words) - [How Mercury Scaled Secure Debit and Credit Cards With Lithic](/content/mercury-case-study/index.html): How Mercury reduced card fraud by 40% and scaled to $248B in transaction volume using Lithic's programmable authorization infrastructure and integrated 3DS. (1,985 words) - [Lithic Launches Tokenization Control | Lithic](/content/blog/tokenization-control/index.html): Tokenization Control is a powerful and unique tool to combat digital wallet fraud. Lithic customers can now choose to decision on tokenizations, just as they decision on transactions using Auth Stream Access. (245 words) - [Galileo vs Lithic](/content/comparison/galileo/index.html): With Galileo, scheduled downtime can block critical business, and implementations can drag on for months. Lithic's fast-moving infrastructure gets you processing in weeks, with 99.99% uptime that's always on. (298 words) - [Guide to Physical Payment Cards | Lithic](/content/blog/physical-cards/index.html): Pre-empting issues with a robust plan for your physical card program will facilitate launching a successful program and prevent go-to-market delays. (1,381 words) - [Web Push Provisioning | Lithic](/content/blog/web-push-provisioning/index.html) (841 words) - [New Fintech Bank Charter Opportunities with Michele Alt from Klaros Group | Lithic](/content/blog/new-fintech-bank-charter-opportunities-with-michele-alt-from-klaros-group.html): In this episode of FinTech Layer Cake, host Reggie Young speaks with Michele Alt, Co-Founder of Klaros Group, about new opportunities in fintech bank charters. (667 words) - [Purpose Designed For Scale: How We Built It | Lithic](/content/blog/purpose-designed-for-scale-how-we-built-it/index.html): Today, we process billions in monthly volume with 99.999%+ authorization uptime, supporting hundreds of programs with always-on systems that don’t require scheduled maintenance or downtime windows. (1,048 words) - [Review, Resolve, and Rest Assured: Lithic Transaction Monitoring is Now Live | Lithic](/content/blog/review-resolve-and-rest-assured-lithic-transaction-monitoring-is-now-live.html): Card programs are required by their sponsor banks to monitor transactions for suspected fraud and financial crime activities, flag anomalies, and manage cases through to resolution. Lithic has operated transaction monitoring on our program-managed clients’ behalf for years. Today, we’re launching this capability as a standalone native module in the Lithic platform. (1,079 words) - [Meet Lithic at Money20/20](/content/payments-industry/money-2020/index.html): Interested in using Lithic for card program management or issuer processing? Fill out our contact form to chat with one of our payments experts today. (140 words) - [How Lithic Supports Stablecoin-Powered Payments | Lithic](/content/blog/stablecoin/index.html): Explore how Lithic is enabling global, stablecoin-powered card payments through flexible infrastructure, partner ecosystems, and modular APIs. (1,074 words) - [The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead | Lithic](/content/blog/the-future-of-payments-is-agentic-and-tokenized-with-basis-theory-ceo-colin-luce-and-cto-james-armstead.html): The reality of agentic payments today- what's hype, what's actually transacting, and why human-in-the-loop is a feature, not a bug. The conversation covers the technical choke points legacy infrastructure wasn't designed to handle, the intent and fraud problem nobody has solved yet, why the industry is over-complicating protocol selection, and what a smarter approach to tokenization could unlock. (254 words) - [The Future of Agentic Financial Crime Work with Greenlite Cofounder Will Lawrence | Lithic](/content/blog/the-future-of-agentic-financial-crime-work-with-greenlite-cofounder-will-lawrence.html) (152 words) - [Events | Lithic](/content/events/index.html): Live events and on-demand sessions exploring what's next in payments infrastructure. Watch webinars on agentic commerce, digital banking, credit, and more. (18 words) - [Partners in Growth: Founders & Operators Must Work Together | Lithic](/content/blog/partners-in-growth/index.html): Lithic's Head of Marketing, Clarissa Horowitz, speaks at Fintech is Femme about why startups thrive when founders and operators partner together. (1,435 words) - [When to Consider Using a Secondary Card Processor | Lithic](/content/blog/secondary-card-processor/index.html): Learn how companies use secondary card processors as they scale and when to consider adding one to your card program. (1,125 words) - [Introducing Lithic Consumer Revolving Credit Ledger | Lithic](/content/blog/introducing-consumer-revolving-credit-ledger/index.html): Lithic has supported consumer revolving credit programs for years through our direct-to-network processing and integrated third-party ledger provider partnerships. Today, we’re excited to announce an expansion of that support with the launch of a native consumer revolving credit ledger, which brings the same infrastructure depth and thoughtful design that has long powered our commercial revolving programs directly to consumer use cases as well. (1,310 words) - [Money Services Business (MSBs) and Money Transmitters | Fintech | Lithic](/content/blog/money-services-business/index.html): It’s important to know the basics of money transmission licenses (MTLs) and money services businesses and MSBs if you work in Fintech, so you don’t trigger… (1,989 words) - [Wallet Infrastructure Decoded: Connecting Stablecoins to Global Card Acceptance | Lithic](/content/events/wallet-infrastructure-decoded/index.html) (142 words) - [Why Credit Cards are Hard with Scott Bass from Ensemblex | Lithic](/content/blog/why-credit-cards-are-hard-with-scott-bass-from-ensemblex.html): Host Reggie Young sits down with Scott Bass, Managing Director at Ensemblex cover what Capital One actually got right that most people miss, the lessons Monzo taught about building products that feel nothing like a bank, and the most predictable mistakes fintech founders make when building credit products. (283 words) - [Lithic and Veritex Community Bank Announce Strategic Partnership | Lithic](/content/blog/veritex-community-bank/index.html): Veritex Community Bank is known for its personalized approach to banking, specializing in serving small- and mid-sized businesses—a demographic often overlooked by national banks. (485 words) - [The Next Generation of Lending How Modern Lenders Are Moving to Card Rails | Lithic](/content/events/the-next-generation-of-lending/index.html): Join Fundbox and Lithic to hear how card rails are reshaping lending distribution: the use cases live in production today, the infrastructure that makes it possible, and how Fundbox went from contract signing to live Mastercard transactions in 7 weeks. (189 words) - [Lithic Product Update: November 2022 | Lithic](/content/blog/november-product-update-2022/index.html): In this update: faster timelines for physical cards, improvement to list transactions requests, settlement API closed beta, and three new guides. (342 words) - [Use Lithic AI Assistant to Write Rules in Plain Language | Lithic](/content/blog/use-lithic-ai-assistant-to-write-rules-in-plain-language.html): Custom Code Rules lets you write TypeScript logic directly in the Lithic Rules Engine. With Lithic's AI assistant, rather than coding the TypeScript yourself, you describe the rule you want in plain language and the assistant generates it for you. Watch our demo to learn more., (302 words) - [Press, Announcements, Company News, and Product Releases | Lithic](/content/payments-industry/press/index.html): Lithic's latest news, articles, and announcements. Our card issuing platform is backed by FinTech leaders like Stripes, AHCV, Index Ventures, and others. (201 words) - [Build cards faster with Lithic's Python client library | Lithic](/content/blog/lithic-python-sdk/index.html): Introducing Lithic's Python client library, a tool that makes it easier for developers to build card products on Lithic's platform. (408 words) - [Streamline Fleet Payments with Lithic | Lithic](/content/blog/streamline-fleet-payments-with-lithic/index.html): Streamline fleet payments with Fleet Cards on Lithic- a tailored, secure, and data-rich solution for fleet card programs. (442 words) - [Wallet Infrastructure Decoded: Connecting Stablecoins to Global Card Acceptance | Lithic](/content/blog/wallet-infrastructure-decoded/index.html): Stablecoin transaction volume has grown to $8 trillion, but turning those balances into real-world spending power requires the right infrastructure. In this webinar, you'll discover why cards are becoming the primary off-ramp for stablecoin spending and see how companies are using stablecoin-backed cards for cross-border payroll and web3 wallet spending in production today. (173 words) - [404 - Page not found](/content/mktemail/mtazlupjvs02oteaaago57scsk_c0bq6mieu5pw1qjytp-7v3e-xsgcwvtuhmg4hyotvdxxorp8u_m6itglkkcsbweu.html) (18 words) - [AFC Fintech Forward Webinar: The Rise of Agentic Payments, Lending, and the Future of AI-Driven Transactions | Lithic](/content/events/afc-fintech-forward-webinar-agentic-payments-lending.html): As artificial intelligence continues to evolve, new opportunities are emerging in financial services. From personal finance to lending and payments, and everywhere in between, financial institutions are considering and implementing AI tools to help consumers improve their financial lives. (122 words) - [Webinar | The Rise of Agentic Commerce | Lithic](/content/blog/webinar-agentic-commerce/index.html): The future of agentic commerce is taking shape, and the industry is moving fast. (125 words) - [Welcome Pritee Tembhekar as Lithic's Head of Product | Lithic](/content/blog/welcome-pritee-tembhekar-as-head-of-product/index.html): With the official launch of Lithic, we are delighted to announce that Pritee Tembhekar has joined as our Head of Product. (249 words) - [Meet with the Lithic Team at NY Tech Week | Lithic](/content/events/ny-tech-week/index.html): NY Tech Week brings together founders, operators, and investors across a week of programming throughout New York City. The Lithic team will be on the ground. If you're attending or just in the area, we'd love to find time to connect. (54 words) - [Vertical SaaS & Fintech Opportunities, Founder Lessons, and More with Matt Brown | Lithic](/content/blog/vertical-saas-fintech-opportunities-founder-lessons-and-more-with-matt-brown.html): In this episode of Fintech Layer Cake, host Reggie Young speaks with Matt Brown, early-stage investor at Matrix Partners and former product leader at Afterpay. (217 words) - [Meet with the Lithic Team at Fintech Week SF | Lithic](/content/events/fintech-week-sf/index.html): Fintech Week SF brings together fintech founders, operators, and investors across a week of programming in San Francisco. The Lithic team will be in the city. If you're attending or just in the area, we'd love to find time to connect. (102 words) - [What Bank Partners Want from Fintechs | Lithic](/content/blog/what-bank-partners-want-from-fintechs/index.html): Matt Janiga and Reggie Young conduct an interview with Rodrigo Suarez of Piermont Bank. He shares insights about how bank sponsors work with fintech companies and how these banks view the fintech landscape. (142 words) - [Meet Talli: Revolutionizing Litigation Settlement Payments | Lithic](/content/blog/talli-litigation-settlement-payments/index.html): In the world of legal settlements, distributing funds to thousands (sometimes millions!) of claimants has historically been a cumbersome, paper-based process fraught with inefficiencies. That’s changed with Talli, and their modern payment platform that is transforming how litigation settlements are distributed, bringing unprecedented speed, security, trust and transparency to an industry long overdue for innovation. (350 words) - [| Lithic](/content/blog/lithic-product-update-may-2024/index.html) (776 words) - [Lithic Product Update: July 2024 | Lithic](/content/blog/lithic-product-update-july-2024/index.html): In the latest edition of Lithic’s product newsletter, we cover Lithic news, product updates, open roles and new podcast episodes. (1,092 words) - [How Digital Banks and Fintechs can Successfully Navigate Regulations, Risk, and Uncertainty | Lithic](/content/blog/webinar-digital-banking/index.html): This engaging virtual panel, hosted by NYPAY, explores the challenges and opportunities in the rapidly evolving digital banking landscape, focusing on navigating the perils of today’s uncertain regulatory environment with a sound risk framework, customer focus, and strategic partnerships. (152 words) - [Lithic's 10-Year Anniversary Episode | Lithic](/content/blog/lithics-10-year-anniversary-episode/index.html): In this episode of Fintech Layer Cake podcast, I'm joined by Bo Jiang, CEO; Jason Kruse, CTO; and David Nichols, Chief Design Officer, to talk about their journey and all the lessons they've learned in the company's first decade. (1,329 words) - [Explainer on The Prepaid Rule for Fintechs | Lithic](/content/blog/prepaid-rule/index.html): If you’re issuing cards, you’ve likely heard about prepaid cards. But why are so many fintechs offering these products? And why is the prepaid card market valued at over $1.73 trillion? (791 words) - [Built for Agentic Payments | Lithic](/content/blog/agentic-payments/index.html): Our customers are increasingly exploring the integration of AI-powered workflows with payment capabilities - what the industry now calls agentic payments. Lithic's virtual cards are designed with the intelligence and security controls needed for these autonomous spending decisions, making this new frontier both accessible and secure. (1,545 words) - [Meet with the Lithic Team at NY Fintech Week | Lithic](/content/events/ny-fintech-week/index.html): NY Fintech Week brings the fintech community together across a week of programming in New York City. The Lithic team will be in town. If you're attending or just in the area, we'd love to find time to connect. (76 words) - [Lithic Product Update: February 2024 | Lithic](/content/blog/lithic-product-update-february-2024/index.html): Lithic's product newsletter: February 2024 edition. (745 words) - [Charge and Credit Cards – A Risk Expert’s Take | Lithic](/content/blog/charge-and-credit-cards-a-risk-experts-take/index.html): At Lithic, we’ve worked with companies building every kind of card program, and we’ve seen firsthand how the choice between charge and credit can define the economics and risk exposure of a business. As Lithic’s Risk Lead, I regularly advise both prospective and current clients on the risk factors associated with each model, as well as the operational requirements necessary to manage those risks effectively. (2,166 words) - [Taktile’s Journey with CEO Maik Wehmeyer | Lithic](/content/blog/taktiles-journey-with-ceo-maik-wehmeyer/index.html): In this episode of Fintech Layer Cake, host Reggie Young speaks with Maik Wehmeyer, co-founder and CEO of Taktile, an AI-powered risk decisioning platform redefining how fintechs, banks, and even telcos approach mission-critical decisions. (121 words) - [Lithic Product Update: October 2023 | Lithic](/content/blog/lithic-product-update-october-2023/index.html): Released in Sept and Oct: ACH and accounts, commercial charge card, settlement API, a handful of API upgrades, and more. (1,055 words) - [The Bank Sponsor’s POV with Coastal’s Chris Rigoni | Lithic](/content/blog/the-bank-sponsors-pov-with-coastals-chris-rigoni/index.html): In this episode of Fintech Layer Cake, host Reggie Young engages with Chris Rigoni from Coastal Community Bank, exploring the evolving landscape of Banking-as-a-Service (BaaS) and embedded finance. (189 words) - [Meet with the Lithic Team at Fintech Meetup | Lithic](/content/events/fintech-meetup-2026/index.html) (14 words) - [Power Agentic Commerce Workflows with the Lithic MCP Server | Lithic](/content/blog/mcp-server-agentic-payments/index.html): Use the Lithic MCP server to connect AI assistants to the Lithic API, spin up cards, configure controls, and validate fraud rules from your existing editor., (924 words) - [The “New” Bank-Fintech Risk Guidance with Jonah Crane | Lithic](/content/blog/the-new-bank-fintech-risk-guidance-with-jonah-crane.html): Reggie Young sits down with Jonah Crane, Partner at fintech advisory and investment firm Klaros Groups. (157 words) - [The Future of Ecommerce Payments with Tandym CTO Sairam Rangachari | Lithic](/content/blog/the-future-of-ecommerce-payments-with-tandym-cto-sairam-rangachari.html): In this episode of Fintech Layer Cake, host Reggie Young dives deep into the world of payments and e-commerce with Sairam Rangachari, the co-founder and CTO of Tandym. (132 words) - [Lithic Product Update: March 2023 | Lithic](/content/blog/march-product-update-2023/index.html): Disputes API, Tokenization Control, OpenAPI 3.0 Definitions, Transaction Webhook Replayability, HMAC Verification is ASA, and Authorization Advice Simulation. (423 words) - [4 Virtual Card Use Cases in the Online Travel Industry | Lithic](/content/blog/ota-virtual-card-use-cases/index.html): In this blog, we explore 4 ways that online travel agencies (OTAs) use virtual cards to make their payments more flexible, scalable, and cost-effective. (1,015 words) - [Unraveling the Complex World of Buy Now Pay Later with Paul Kesserwani | Lithic](/content/blog/unraveling-the-complex-world-of-buy-now-pay-later-with-paul-kesserwani.html): In this episode of Fintech Layer Cake, Paul Kesserwani (Cushion Founder & CEO) sits down with Reggie Young as they dive deep into the intricate dynamics of the Buy Now, Pay Later (BNPL) industry. (81 words) - [Commercial Revolving Credit | Launch Flexible & Scalable Card Programs | Lithic](/content/blog/revolving-credit/index.html): Discover Commercial Revolving Credit: Build compliant, flexible, and scalable business credit card programs. Configure APRs, automate payments, and manage credit limits with our modern ledger technology. (452 words) - [Authorization Intelligence: Programmable Infrastructure for the New Era of Payments | Lithic](/content/blog/authorization-intelligence-programmable-infrastructure-for-the-new-era-of-payments.html): How Lithic enables a new era of programmable payments through contextual, cross-platform decisioning through Authorization Intelligence. (1,467 words) - [Authorization Intelligence in Practice | Lithic](/content/blog/authorization-intelligence-in-practice/index.html): The beauty of Lithic’s Authorization Intelligence approach lies in the cross-platform versatility and unified governance across payment types of our core decisioning engine. This programmable rule layer enables clients to set context-aware decisioning across every stage of the payment lifecycle (from identity verification to transaction authorization) and multiple payment form factors (card, ACH, or wallet token). (1,267 words) - [Simon Taylor on Where Agentic Spend is Going | Lithic](/content/blog/simon-taylor-on-where-agentic-spend-is-going/index.html): Reggie Young sits down with Simon Taylor, founder of Fintech Brainfood and Head of Market Development at Tempo, to unpack one of the most debated topics in fintech: agentic commerce. Simon challenges the idea that stablecoins will displace card networks, explaining why cards don’t move money, how stablecoins actually fit into the stack, and why virtual cards may be the first real payment primitive for AI agents. (299 words) - [Maximizing Interchange Guide | Card Issuing | Fintech | Lithic](/content/blog/maximizing-interchange/index.html): In this guide: 6 principles about interchange and how to maximize interchange revenue on debit, credit, charge, and prepaid card programs. (695 words) - [Settlement API for Better Visibility into Daily Cash Movement | Lithic](/content/blog/settlement-api-for-better-visibility-into-daily-cash-movement.html): Today, we’re launching the Lithic Settlement API, a solution that provides you a clear view of cash movement and daily network activity, including data on interchange and network fees. (263 words) - [Marcus Vinson: Taktile Top Voice in Risk 2025 | Lithic](/content/blog/taktile-top-voice-risk-2025/index.html) (211 words) - [Lessons from Loop, Canada’s #1 Business Banking Platform with Cato Pastoll and Nik Nampalli | Lithic](/content/blog/lessons-from-loop-canadas-1-business-banking-platform-with-cato-pastoll-and-nik-nampalli.html): In this episode of FinTech Layer Cake, host Reggie Young speaks with Cato Pastoll (Co-founder & CEO) and Nik Nampalli (Head of Strategic Projects) of Loop—Canada’s #1 business banking platform. Loop offers multi-currency credit cards, global payment tools, and financial services that save SMBs thousands each year. (1,125 words) - [Taktile Cofounder Max Eber on LLMs and Risk Infrastructure | Lithic](/content/blog/taktile-cofounder-max-eber-on-llms-and-risk-infrastructure.html): In this episode of Fintech Layer Cake, Reggie Young sits down with Max Eber, Co-Founder of Taktile, to explore how modern fintechs are rethinking risk infrastructure. (160 words) - [The Bank Sponsor Crackdown, and Lessons from Stripe and Airwallex with Jas Randhawa | Lithic](/content/blog/the-bank-sponsor-crackdown-and-lessons-from-stripe-and-airwallex-with-jas-randhawa.html): In this episode, host Reggie Young converses with Jas Randhawa, founder of StrategyBRIX, a fintech risk and compliance consultancy. (100 words) - [How Coinstar Brought Early Direct Deposit to Cash-Preferred Consumers with Lithic | Lithic](/content/blog/how-coinstar-brought-early-direct-deposit-to-cash-preferred-consumers-with-lithic.html): With Lithic's Early Direct Deposit, CINQ by Coinstar cardholders can receive their paychecks up to two days before standard settlement,1 giving Coinstar customers expanded access to the kind of financial flexibility and peace of mind that comes from reliable, early access to funds. (1,118 words) - [Reducing Oversight Costs for Fintechs and Banks with Narrative CEO Gokul Dhingra | Lithic](/content/blog/reducing-oversight-costs-for-fintechs-and-banks-with-narrative-ceo-gokul-dhingra.html): In this episode, Reggie Young sits down with Gokul Dhingra, Co-Founder and CEO of Narrative, to unpack how AI is reshaping compliance, oversight, and growth in the fintech ecosystem. Narrative is tackling one of the industry’s biggest pain points—the rising cost of compliance and risk management—by turning oversight into a source of efficiency and even competitive advantage. (326 words) - [Ron Shevlin Snarks Up the Cake: Apple Checking, Super Apps and Teen Spirit | Lithic](/content/blog/ron-shevlin-snarks-up-the-cake-apple-checking-super-apps-and-teen-spirit.html): Matt and Reggie interview Ron Shevlin, Chief Research Officer at Cornerstone Advisors, Senior Contributor at Forbes, and Fintech Snark Tank writer. They discuss the evolution of fintech, the regulatory environment for fintech, and checking account potential for various fintech players. (149 words) - [Announcing Secure Account-Linking And Streamlined ACH Transfers via Plaid | Lithic](/content/blog/secure-account-linking-and-streamlined-ach-transfers-via-plaid.html): Lithic is partnering with Plaid to streamline ACH payments for API Issuing customers. Use Plaid Link to connect bank accounts or initiate ACH transfers. (291 words) - [Rain and Lithic Forge Strategic Partnership to Accelerate Global Growth of Stablecoin-Powered Payments | Lithic](/content/blog/rain/index.html) (312 words) - [Real-time Authorization Decisioning, Now Available in Sandbox | Lithic](/content/blog/real-time-authorization-decisioning-now-available-in-sandbox.html): Auth. Stream Access (ASA) is available in our sandbox and public docs, creating a self-serve experience for developers to build and test their card products (337 words) - [Privacy Policy | Lithic](/content/legal/privacy-policy/index.html): Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic's accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you're creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. (1,419 words) - [Introducing the Lithic Quick Start Guide | Lithic](/content/blog/quick-start-guide/index.html): Learn the basics of how to use our card issuing API and get to an MVP in in less than 20 minutes. (341 words) - [Product Update: December 2023 | Lithic](/content/blog/lithic-product-update-december-2023/index.html): Released in November and December: Card Level Balances, ASA Endpoint Updates, Card Program and Digital Art Improvements, External Bank Account Events, Multi-Program Dashboard, Statements for Charge Cards (593 words) - [Sarah Wilson, Circle's General Counsel, on the IPO process, GENIUS Act, and more | Lithic](/content/blog/sarah-wilson-circles-general-counsel-on-the-ipo-process-genius-act-and-more.html): In this episode of Fintech Layer Cake, host Reggie Young sits down with Sarah Wilson, General Counsel at Circle, to explore how Circle is shaping the global legal and regulatory frontier for stablecoins and digital assets. She shares her path from big law to fintech, why stablecoins represent the perfect intersection of finance, technology, and regulation, and how Circle manages compliance across 185 countries. (185 words) - [Simplify The Business Purchasing Process Using Virtual Cards | Lithic](/content/blog/order-negotiatus/index.html): Business purchase solution Order used API-first card issuer Lithic to process more than $100 million in GMV through its platform in 2021. (682 words) - [Selecting a Bank Partner | Lithic](/content/blog/selecting-a-bank-partner/index.html): Matt and Reggie discuss the basics of bank partners. A key feature of fintech, bank partnerships can make or break a fintech company. (142 words) - [Sandbox Data in Dashboard | Lithic](/content/blog/sandbox-data-in-dashboard/index.html): Lithic Dashboard now includes Sandbox data (171 words) - [Accounts & Money Movement](/content/platform/accounts/index.html): Manage payments and money movement with flexible ledgering and Direct-to-Fed ACH. Routable accounts with built-in compliance and to-the-penny reconciliation. (961 words) - [How Order.co is modernizing procurement and spend management at scale | Lithic](/content/blog/order-building-modern-procurement-and-spend-platforms.html): From office supplies to critical operational goods, Order.co is helping businesses centralize procurement, automate spend controls, and simplify the way teams buy what they need. That’s why Order.co partnered with Lithic for payments infrastructure that automates purchasing processes, enforces controls, and moves money efficiently at scale. (457 words) - [How Lithic is Taking a Page Out of Amazon’s Strategy Playbook | Lithic](/content/blog/lithic-not-boring-newsletter-lithic/index.html): Lithic made an Amazonian move recently. If you haven’t heard about the company, that’s OK. It just became Lithic. Before that, it was Privacy.com. (684 words) - [Peach and Dwolla to Join Lithic's Integration Partner Program | Lithic](/content/blog/peach-and-dwolla/index.html): Lithic launched its Integration Partner Program last month to help customers launch products faster. Peach and Dwolla are joining the program. (372 words) - [Product Update: March 2022 | Lithic](/content/blog/march-product-update-2022/index.html): In this update: JavaScript client library, Auth Rules, new KYC/KYB workflows, PINs on digital wallet cards, and more. (473 words) - [Sanctions with Former OFAC Head John Smith | Lithic](/content/blog/sanctions-with-former-ofac-head-john-smith/index.html): Matt Janiga and Reggie Young interview John Smith, a partner at Morrison Foerster and the former Director at the Office of Foreign Assets Control (OFAC). John talks about sanctions, the functions of OFAC, and what sanctions Fintechs can expect. (134 words) - [Lithic Launches Network Risk Scores to Customers on Mastercard BINs | Lithic](/content/blog/network-risk-scores/index.html): Network Risk Scores is a tool that gives Lithic users access to the card network's advanced risk scoring solutions to determine the likelihood that a transaction is fraudulent in real-time. (336 words) - [New Token Management Controls | Lithic](/content/blog/new-token-management-controls/index.html): Our new Token Management API allows you to easily manage the lifecycle of card tokenizations. Read the full post to learn more. (260 words) - [Navigating Net Interest Margins and Fintech Partnerships with Saira Rahman | Lithic](/content/blog/navigating-net-interest-margins-and-fintech-partnerships-with-saira-rahman.html): In this episode of Fintech Layer Cake, host Reggie Young talks with Saira Rahman, VP of New Investor Initiatives at Fundrise, about the intricate world of net interest margins, the importance of strategic bank partnerships, and the evolving landscape of fintech. (219 words) - [Lithic Product Update, May 2022 | Lithic](/content/blog/may-product-update-2022/index.html): In this update: Python client library launched, preview of upcoming releases, Startup Search featured us on their Top 30 Fintechs list. (314 words) - [LoanPro’s Scott Johnson on launching credit cards, lessons from Galileo, and more | Lithic](/content/blog/loanpros-scott-johnson-on-launching-credit-cards-lessons-from-galileo-and-more.html): In this episode of Fintech Layer Cake, host Reggie Young sits down with Scott Johnson, President of the Card Division at LoanPro. Scott shares his deep expertise from over two decades in fintech, including his time at Galileo and his current work at LoanPro, where they are pioneering transactional-level credit. Together, they discuss the core pillars of launching a credit card, common mistakes fintech founders make, and how the lending landscape is evolving. Whether you’re a fintech builder or just curious about how credit cards really work, this conversation is packed with insights on the future of card issuing and credit products. (622 words) - [Payments at Square, Etsy, and the Agentic Era, with Drew Edmond, Partner at Glenbrook Partners | Lithic](/content/blog/payments-at-square-etsy-and-the-agentic-era-with-drew-edmond-partner-at-glenbrook-partners.html): Host Reggie Young sits down with Drew Edmond, host of Payments on Fire, to trace how payments actually work from the operator's seat. (346 words) - [Public’s COO Stephen Sikes Talks Rising Rate Effects and New Products | Lithic](/content/blog/publics-coo-stephen-sikes-talks-rising-rate-effects-and-new-products.html): Reggie Young sits down with Stephen Sikes, COO of Public, as they explore the fintech landscape's evolving dynamics. They discuss the significant effects of rising interest rates on retail investor behavior and delve into Public's innovative product strategy, including the launch of a mobile-first retail bond trading platform. (196 words) - [Lithic launches OpenAPI 3.0 Definitions for the Lithic API | Lithic](/content/blog/openapi-definitions/index.html): The launch of our OpenAPI 3.0 definitions will make the Lithic API more accessible and user-friendly for developers. Our goal is to provide a better developer experience and make building products on the Lithic platform easier and more efficient. (323 words) - [How Loop is Simplifying Cross-Border Financial Services | Lithic](/content/blog/loop/index.html) (538 words) - [Multi-Program Support in the Lithic Dashboard | Lithic](/content/blog/multi-program-support-in-lithic-dashboard/index.html): With Lithic’s multi-program dashboard support, you can manage all your card programs easily and seamlessly from a single login. (287 words) - [Payroll Payments with Gusto's Jeff Forkan | Lithic](/content/blog/payroll-payments-with-gustos-jeff-forkan/index.html): In this episode, Reggie Young and Jeff Forkan of Gusto dive deep into payroll payments. (153 words) - [Lithic Go client library (SDK) | Easier Card Product Development | Lithic](/content/blog/lithic-go-sdk/index.html): Lithic's Go client library provides Go developers convenient access to the Lithic API so they can execute a wide range of common operations faster and more efficiently. (363 words) - [Card Issuing](/content/card-issuing/index.html): Issue debit, prepaid, charge, and credit cards for consumer and commercial programs with flexible spend controls, real-time decisioning, and tokenization. (688 words) - [Robin Gandhi - Chief Product Officer | Lithic](/content/blog/lithic-welcomes-robin-gandhi-as-chief-product-officer.html) (269 words) - [Obsidian Selects Lithic for Card Issuing and Processing | Lithic](/content/blog/obsidian/index.html) (192 words) - [Modern Fraud and Compliance Needs with Soups Ranjan | Lithic](/content/blog/modern-fraud-and-compliance-needs-with-soups-ranjan.html): Reggie Young interviews Soups Ranjan, CEO of Sardine. They discuss modern fraud detection tools, emerging fraud patterns, consortiums, and lessons from Soups' time leading risk at Revolut and Coinbase. (130 words) - [Announcing Authorization Rules, Now Available in Beta | Lithic](/content/blog/authorization-rules/index.html): Today we’re launching Authorization Rules (Auth Rules), another tool to help customers manage transactions on their cards. You can use these card controls let you allow or block transactions from specific countries and merchant types, as well as enable ZIP code checks on transactions. (427 words) - [Lithic Named to 2024 Fintech Innovation 50 | Lithic](/content/blog/lithic-named-to-2024-fintech-innovation-50/index.html): Lithic was named to the 2024 Fintech Innovation 50! This is an annual list launched by GGV Capital U.S. in partnership with Crunchbase, to recognize the most promising fintech companies in the eyes of startup investors. (387 words) - [Build Your Card Program Faster with the Lithic Node.js Client Library (Beta) | Lithic](/content/blog/lithic-nodejs-sdk/index.html): Our mission is to make it easier for anyone to build and launch card products. Today, we’re launching a server-side JavaScript client library that gives developers tools to build on Lithic even faster. (414 words) - [Podcast Episode 4: History of Platform Payments | Lithic](/content/blog/podcast-episode-4/index.html): This episode of the Fintech Layer Cake podcast features a deep dive on the payment processing space with Jareau Wadé of Finix. (13,197 words) - [Lithic Expands into Canada offering Multicurrency Processing Capabilities | Lithic](/content/blog/lithic-expands-into-canada-offering-multicurrency-processing-capabilities.html): Lithic is excited to announce expansion into Canada introducing powerful multicurrency processing capabilities (272 words) - [Use Lithic's Java Library for Easier Card Product Building | Lithic](/content/blog/lithic-java-sdk/index.html): The Lithic Java client library is now available. It provides developers convenient access to the Lithic API for Java-based applications and allows you to execute a wide range of common operations faster and more efficiently. Visit our GitHub page to start using it. (300 words) - [How Lithic enables agentic media buying for innovative marketers | Lithic](/content/blog/agentic-media-buying/index.html): Digital marketing has evolved dramatically over the past decade, but one aspect has remained stubbornly manual: payments. While we’ve seen automations transform targeting, bidding, and optimization, the actual process of funding and executing media purchases still relies heavily on human intervention. This is beginning to change as agentic AI systems move beyond just analyzing and recommending and toward executing financial transactions. (1,072 words) - [Money 20/20 | Lithic](/content/blog/money-20-20/index.html): In this episode, Reggie Young unpacks the latest insights from Money 20/20 in Las Vegas. From the rise of AI in compliance and cross-border payments to the evolving challenges in sponsor banking, Reggie dives into key trends shaping fintech. Tune in to hear his reflections and predictions on the future of financial technology and how companies are adapting in a tough regulatory landscape. (150 words) - [Announcing Next-Generation Authorization Rules | Lithic](/content/blog/announcing-next-generation-authorization-rules/index.html): Lithic Authorization Rules, the next evolution of Lithic-hosted authorization control, gives card programs greater flexibility and control over transaction decision-making, allowing for more tailored fraud prevention and risk management. (536 words) - [Product Update: April 2022 | Lithic](/content/blog/april-product-update-2022/index.html): In this update: our new Lithic Dashboard, unlocked virtual cards for Starter, and API improvements. Plus features in Crunchbase and The New York Times! (414 words) - [Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026 | Lithic](/content/blog/middesk-ceo-kyle-mack-on-ai-good-data-and-business-onboarding-in-2026.html): Kyle Mack, CEO of Middesk, to unpack why data—not AI—is the real bottleneck holding fintech innovation back. Kyle explains how KYB has evolved far beyond a compliance checkbox, why poor data foundations can amplify risk instead of reducing it, and what it actually takes to support real-time, automated decisioning for business onboarding. (135 words) - [Legal Ops and RegTech Lessons with Faraz Rana, former CLO of Bread | Lithic](/content/blog/legal-ops-and-regtech-lessons-with-faraz-rana-former-clo-of-bread.html): In this episode of FinTech Layer Cake, host Reggie Young chats with Faraz Rana, founder and CEO of Affinity. (199 words) - [An Insider View of the CFPB (with Manatt) | Lithic](/content/blog/an-insider-view-of-the-cfpb-with-manatt/index.html): Matt and Reggie interview Bryan Schneider and Mehul Madia of the law firm, Manatt, Phelps & Phillips as a second part to the two-part series on the CFPB. They discuss the regulatory bureau’s processes, as well as best practices for Fintech firms. (143 words) - [How Affiniti is closing the fintech gap for mainstreet businesses | Lithic](/content/blog/affiniti/index.html) (533 words) - [Webinar | Why Partnerships Are the New Revenue Engine in Fintech | Lithic](/content/blog/fintech-partnerships-webinar/index.html) (143 words) - [Innovative Companies Use Lithic for Card Issuing | Lithic](/content/about/customers/index.html): Companies like Mercury, Novo, and Parker use Lithic’s platform to power their card programs and build innovative features for their customers. (184 words) - [Lithic Expands Platform to Offer More Payment Options for Fintechs on the American Express Network | Lithic](/content/blog/amex-announcement/index.html): Lithic, a leading financial technology platform specializing in bespoke card issuing solutions and seamless money movement, today announced the expansion of its platform to enable fintechs to issue cards on the American Express® network. (260 words) - [AI and Chatbots in Fintech featuring Ron Shevlin and Alan Kaplinsky | Lithic](/content/blog/ai-and-chatbots-in-fintech-featuring-ron-shevlin-and-alan-kaplinsky.html): This Special Episode is a cross-post from the Consumer Finance Monitor Podcast. Reggie Young, Ron Shevlin, and Alan Kaplinsky share their insights on the risks and benefits of AI and chatbots, as well as how fintechs should think about practically implementing them. (197 words) - [Arcade.dev and Lithic Announce Partnership to Create E-Commerce Agents | Lithic](/content/blog/arcade-e-commerce-agents/index.html) (316 words) - [Lithic Expands Partner Bank Network with Addition of Stearns Bank | Lithic](/content/blog/lithic-expands-partner-bank-network-with-addition-of-stearns-bank.html): Lithic, the card issuer processing platform powering next-generation financial experiences, today announced a partnership with Stearns Bank, a well-capitalized, Minnesota-headquartered financial services institution with over a century of experience and customers nationwide. This collaboration expands Lithic's enterprise-grade card program capabilities, enabling fintechs to launch comprehensive consumer and commercial card programs with trusted infrastructure. (413 words) - [AFC Fintech Forward Webinar: The Rise of Agentic Payments, Lending, and the Future of AI-Driven Transactions | Lithic](/content/blog/afc-fintech-forward-webinar-agentic-payments-lending.html): As artificial intelligence continues to evolve, new opportunities are emerging in financial services. From personal finance to lending and payments, and everywhere in between, financial institutions are considering and implementing AI tools to help consumers improve their financial lives. This webinar will explore how businesses are beginning to leverage this technology, what it means for payment/lending ecosystems, and how organizations can prepare for this shift. It will also examine how the latest developments in AI are changing the customer experience both in consumer-facing and enterprise applications. (68 words) - [A Primer on US Fintech Expansion with Klaros' Andy Kampf | Lithic](/content/blog/a-primer-on-us-fintech-expansion-with-klaros-andy-kampf.html): The real framework behind cross-border fintech expansion with the four pillars every foreign fintech must get right — product, bank partnerships, hiring, and budget — and the hidden pitfalls that derail U.S. launches. (175 words) ## About Pages - [Contact](/content/grow/contact/index.html): Lithic's card issuing platform, flexible API, and skilled team provide issuer processing services for customized debit, credit, and prepaid card programs. (486 words) - [Schedule a Chat with a Payments Expert | Lithic](/content/about/contact/index.html): Interested in using Lithic for card program management or issuer processing? Fill out our contact form to chat with one of our payments experts today. (164 words) - [About](/content/about/index.html): Card issuing and processing infrastructure for financial institutions, enterprises, and banks. Direct network connectivity with unmatched transparency and control. (259 words) ## Resources - [Full Page Index](/index.html): Browse all cached pages with rich metadata - [About This Cache](/content/about.html): Methodology, technical details, and usage guidelines - [XML Sitemap](/sitemap.xml): Machine-readable sitemap for crawler discovery - [Robots.txt](/robots.txt): Crawler directives