Lithic
A developer-focused card issuer processor for credit, debit and prepaid cards, with its own program management option.
Lithic issues and processes credit, debit and prepaid cards through an API and adds ledgers, accounts and ACH and wire money movement. Clients either bring their own bank as processing-only clients or use Lithic Program Management, in which Lithic supplies the sponsor bank and handles compliance.
Named bank partners include Patriot Bank, issuer of Lithic’s own incentive card, Stearns Bank, announced as a BIN sponsor in January 2026, and Byline Bank, which announced a sponsor-bank partnership in July 2026. Lithic’s API reference supports US addresses only, and it does not publish pricing.
- Website
- lithic.com
- Infrastructure layers
- Card issuing
- Products (as published)
- Card Issuing (credit, debit and prepaid; virtual and physical)
Accounts & Money Movement (ACH, wire, virtual and routable accounts, ledgers)
Lithic Program Management
Processing Only
Fraud & Risk Controls - Client types
- Startups and SaaS platforms (program managed); experienced fintechs and financial institutions (processing only)
- Regions served
- United States
- Publicly announced partner banks
- Patriot Bank, N.A. (issuer of the Lithic Mastercard Prepaid Incentive Card)
Stearns Bank N.A. (BIN sponsor, January 27, 2026)
Byline Bank (sponsor bank, July 27, 2026) - API documentation
- docs.lithic.com
- Date checked
- Profile type
- Standard
Questions
What is Lithic?
Which banks sponsor Lithic’s card programs?
What is the difference between Lithic’s program management and processing only?
See also
- Patriot Bank, a Lithic partner bank
- Marqeta and Highnote, other card issuing platforms
- All providers
Sources
Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.