Lithic
Lithic — US card issuing API for virtual and physical Visa/Mastercard cards with spend controls, BINs, and real-time webhooks.
Our Verdict
Best modern virtual card API for US developers — pick Lithic over Marqeta for speed and simplicity.
Pros
- Fast self-serve onboarding for virtual cards
- Real-time auth webhooks for spend control
- Transparent per-card and interchange economics
- Developer-first API and docs
Cons
- US-only card issuing today
- Fewer program-management features than Marqeta
- Interchange revenue share varies by scheme
- No acquiring — issuing only
Best for: US developer teams launching virtual cards with spend controls
Not for: Non-US programs or those needing full-stack processor features
When to Use Lithic
Good fit if you need
- Virtual and physical Visa/Mastercard card issuing via REST API
- Real-time spend controls and authorization webhooks for expense management
- BIN sponsorship and card program management for US fintech products
- Instant virtual card creation for B2B procurement or corporate expense apps
Lock-in Assessment
Medium 3/5
Lock-in Score 3/5
Pricing
Price wrong?Lithic Pricing
- Pricing Model
- usage
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
1,000
1001K10K100K1M
10,000
1K10K100K1M10M
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Community Discussion
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