Lithic · FinOps Profile

Lithic Com Finops

FinOps view of Lithic spend. Lithic's economics are not a simple per-call API bill - a program's cost/revenue is dominated by card-network interchange (Lithic shares a portion of interchange revenue back to the program) net of negotiated per-card, per-transaction, ACH origination, and enterprise add-on fees (Disputes, Settlement). Exact rates and revenue-share splits are negotiated per program (Processing vs. Program Managed) and are not publicly disclosed, so this artifact models the cost dimensions rather than reconciled unit rates.

Lithic Com Finops is the FinOps profile for Lithic on the APIs.io network, aligned with the FinOps Foundation Framework.

It defines 7 billable meters, billed in USD, on a monthly cycle, and pricing category usage-based.

The profile maps 8 FOCUS columns for cost-allocation reporting.

Tagged areas include Card Issuing, Fintech, FinOps, Cost Management, and FOCUS.

Category: Fintech and Payments Pricing: Usage-Based Billing: Monthly FOCUS v1.3
Card IssuingFintechFinOpsCost ManagementFOCUS

Framework Alignment

Framework
FinOps Foundation Framework
Data Spec
FOCUS v1.3

Charge Categories

UsagePurchaseAdjustment

FOCUS Columns

BillingCurrency
USD
ChargeCategory
Usage
InvoiceIssuerName
Lithic
PricingCategory
Usage-Based
ProviderName
Lithic
PublisherName
Lithic
ServiceCategory
Fintech and Payments
ServiceName
Lithic Card Issuing

Meters

interchange_revenue_share
Unit: transactions
Portion of card-network interchange revenue shared back to the program per settled transaction, net of Lithic's take.
active_cards
Unit: cards
Per-card fees, typically assessed per active/issued card per period.
authorization_transactions
Unit: transactions
Authorization and clearing transaction volume processed through the issuer-processing platform.
ach_originations
Unit: transactions
ACH payment originations and returns via the Payments API and external bank accounts.
disputes_processed
Unit: disputes
Chargebacks and v2 managed disputes processed under the Enterprise Disputes API add-on.
settlement_reporting
Unit: reports
Enterprise, production-only Settlement API usage - settlement detail, summary, and network total reports reconciled.
sandbox_usage
Unit: requests
Sandbox environment usage during development; free, but tracked for FinOps visibility into pre-production testing volume.

Sources