# Lithic

**Canonical:** https://apis.io/providers/lithic-com/  
**Website:** https://www.lithic.com  
**APIs profiled:** 31

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.

## Kin Score — 53.7 / 100 (developing)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 53.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 61.7 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 57.9 |
| Developer Ergonomics | 29.8 |
| Commercial Clarity | 68.4 |
| Access Clarity | 68.4 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 25.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (31)

- **Lithic 3DS API** — 3D Secure e-commerce authentication and decisioning.
- **Lithic Account API** — Top-level program accounts and their spend limits.
- **Lithic Account Holder API** — KYC/KYB onboarding and management of individual and business account holders.
- **Lithic Auth Rules API** — Programmable v2 authorization rules, versions, drafts, backtests, and evaluation results.
- **Lithic Auth Stream Access (ASA) API** — Real-time HTTP webhook authorization decisioning in the transaction path.
- **Lithic Balance API** — Available and pending balances for financial accounts.
- **Lithic Book Transfer API** — Internal ledger transfers between financial accounts.
- **Lithic Card API** — Virtual and physical card issuance, lifecycle, and digital wallet provisioning.
- **Lithic Card Authorizations API** — Responses to real-time authorization challenges.
- **Lithic Card Bulk Orders API** — Bulk physical card ordering.
- **Lithic Chargeback API** — Legacy v1 dispute (chargeback) submission and evidence.
- **Lithic Credit Product API** — Credit product configuration, extended credit, and prime rates.
- **Lithic Event API** — Events API and webhook event subscription management.
- **Lithic External Bank Account API** — External bank accounts used for ACH payments, with prenote and micro-deposit verification.
- **Lithic External Payments API** — Recording and reconciling payments that move outside of Lithic-initiated rails.
- **Lithic Financial Account API** — Ledgered financial accounts, credit configuration, and account activity.
- **Lithic Fraud Report API** — Fraud reporting on card transactions.
- **Lithic Funding Events API** — Card program funding event reporting.
- **Lithic Hold API** — Holds placed against financial account balances.
- **Lithic Managed Disputes API** — v2 managed disputes (read surface for Lithic-managed dispute handling).
- **Lithic Management Operations API** — Manual ledger adjustments and corrections.
- **Lithic Network Program API** — Card network program metadata.
- **Lithic Payment API** — ACH payments between Lithic financial accounts and external bank accounts.
- **Lithic Responder Endpoints API** — Registration of HTTP endpoints that receive Auth Stream Access (ASA) requests.
- **Lithic Settlement Report API** — Daily settlement detail, summary, and network total reporting.
- **Lithic Statements API** — Financial account statements, line items, and loan tapes for credit products.
- **Lithic Status API** — API status check.
- **Lithic Tokenization API** — Digital wallet tokenization (Apple Pay / Google Pay / Samsung Pay) lifecycle and decisioning.
- **Lithic Transaction API** — Card transaction authorization, clearing, and simulation.
- **Lithic Transaction Monitoring API** — Fraud/AML case and queue management for flagged transactions.
- **Lithic Transfer Limits API** — The Transfer Limits API from Lithic — 1 operation(s) for transfer limits.

## MCP servers (1)

- **Lithic MCP Server**

## Agentic access (1)

- **Lithic Com Agentic Access** — 215 operations · 109 acting · 1 human-in-the-loop

## Security (4)

- **Lithic Com Authentication** — apiKey · 1 scheme
- **Lithic Com Domain Security** — TLSv1.3 · HSTS · DMARC
- **Lithic Com Vulnerability Disclosure** — disclosure policy published
- **Lithic Com Trust Center** — SOC 2, ISO 27001, PCI DSS

## Plans (1)

- **Lithic Com Plans Pricing**

## Tags

Fintech, Card Issuing, Payments, Issuer Processor, KYC, Banking as a Service

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lithic-com/). Scores are computed from the provider's own public artifacts under a published rubric.