Lithic
Lithic is a card issuing and issuer-processor API platform for building virtual and physical card programs - authorization, clearing, KYC/KYB account holder onboarding, programmable authorization rules, real-time Auth Stream Access (ASA) decisioning, disputes, digital wallet tokenization, 3DS authentication, ACH payments, ledgered financial accounts, and settlement reporting. Lithic publishes a full OpenAPI 3.1 specification (github.com/lithic-com/lithic-openapi) backing official Node, Python, Go, Java, and Kotlin SDKs, with a sandbox at sandbox.lithic.com that mirrors production functionality.
APIs
Lithic Account Holders API
Create and manage individual (KYC) and business (KYB) account holders - identity verification workflows (KYC_BASIC, KYC_BYO, KYC_EXEMPT, KYB_BASIC), document upload for remediat...
Lithic Accounts API
List and retrieve accounts (created 1:1 with an account holder), update daily/monthly/lifetime spend limits, and fetch an account's available spend limits and fraud/velocity sig...
Lithic Cards API
Issue and manage virtual and physical cards - create, update, reissue, renew, and convert virtual cards to physical; card programs, digital card art, bulk card orders, card bala...
Lithic Transactions & Authorizations API
List and retrieve card transactions, respond to authorization challenges, expire authorizations, route transactions, pull enhanced commercial (Level II/III) data, and fully simu...
Lithic Authorization Rules API
Create, draft, promote, and backtest v2 programmable authorization rules (velocity limits, MCC/country/risk-score conditions) scoped to a card, account, or program, including ca...
Lithic Real-Time Decisioning API
Register and manage the HTTP responder endpoint that receives Auth Stream Access (ASA) requests synchronously inside the authorization path (APPROVED/CHALLENGE/decline within a ...
Lithic Disputes API
Submit and withdraw chargeback requests on settled transactions, upload and manage evidence, and read v2 managed disputes for programs where Lithic handles dispute processing on...
Lithic Events & Webhooks API
Manage event subscriptions (register a webhook URL, rotate its signing secret, resend or replay-missing messages after downtime), list and retrieve individual events and their d...
Lithic Financial Accounts & Statements API
Create and manage ISSUING, OPERATING, RESERVE, and CHARGE_CARD financial accounts, register account numbers, configure credit limits and interest tier schedules, list account ac...
Lithic Balances & Holds API
Read available and pending balances across all or a specific financial account, and create, retrieve, or void holds placed against a financial account's balance.
Lithic Payments (ACH) API
Move funds via ACH between a Lithic financial account and a verified external bank account - create, retry, and return payments - with Sandbox simulation of receipt, release, an...
Lithic Ledger, Transfers & Settlement API
Move money internally between financial accounts with book transfers, post and reverse manual management operations (ledger corrections), enforce transfer limits, look up card n...
Lithic External Payments & Bank Accounts API
Add and verify external bank accounts via prenote or micro-deposits, pause/unpause and retry verification, and create and manage external payments - settle, release, cancel, or ...
Lithic Tokenization & Digital Wallets API
List and manage a card's digital wallet tokenizations - pause, unpause, activate, deactivate, resend activation codes, and update digital card art - plus the Tokenization Decisi...
Lithic Fraud & Transaction Monitoring API
File and retrieve fraud reports on card transactions, and manage transaction monitoring cases and queues - case activity, linked transactions and cards, comments, and file attac...