Lithic
Developer-first programmable virtual & physical card issuing with real-time Auth Stream webhooks.
Programmable card issuer processor built by the team behind Privacy.com. Enables AI agents and platforms to mint single-use or merchant-locked virtual cards via API with real-time authorization decisioning webhooks (Auth Stream) and granular spend velocity controls.
Lock-in risk: higher = more lock-in (worse). Overall already inverts this dimension.
Dedicated card-issuing runner-up for agent-virtual-cards alongside Stripe Issuing.
Strengths
- · Real-time Auth Stream webhook lets agent policy engines approve/decline card swipes in milliseconds
- · Instant single-use and merchant-locked virtual card issuance via clean TypeScript/Python SDKs
- · Direct bank/network issuer processing heritage (sister company to Privacy.com) with 99.99%+ uptime
Weaknesses
- · US-centric card issuing footprint compared to Stripe's global multi-currency reach
- · KYB/bank program onboarding required before moving from Sandbox to live card spend
- · Scale transaction/interchange pricing is custom-quoted rather than a flat public rate table
Pricing notes
As of 2026-10-28 (lithic.com/pricing): Self-serve Sandbox and Starter program tiers ($0/mo platform base fee on Starter; custom enterprise interchange-share and per-card/transaction schedules at scale). SOC 1 Type 1, SOC 2 Type 2, PCI DSS, and ISO 27001 certified.
Sourced pricing
Contract status unit_mismatch · unit_mismatch. Single normalized $/1M: null. Machine list: /api/pricing?provider=lithic
- Lithic Starter Programmable Card Issuing ($0/mo base platform fee) · usd_per_month · $0 · unit_mismatch · normalized null
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