Building a successful card issuing program goes beyond just API access—it requires technical expertise, fintech domain knowledge, and a deep understanding of payment networks. While the Lithic API offers robust card issuing infrastructure, maximizing its potential requires developers familiar with payment authorization flows, PCI compliance, network tokenization, and fraud detection systems. Many companies face challenges when hiring generalist developers, as their lack of experience in these critical areas can lead to costly mistakes, security vulnerabilities, and delays.
FintegrationFS provides expert Lithic developers with over 15 years of fintech experience, having built 100+ applications serving over 100 million users. Our specialists are skilled at integrating the Lithic API across virtual cards, physical card programs, digital wallet provisioning, and real-time authorization controls. Whether you're launching virtual cards, building spend management solutions, or creating branded physical cards, our team ensures secure, scalable implementations that meet compliance standards and enhance the cardholder experience.
Hire Lithic Developer: Build Modern Card Issuing Solutions with Expert API Integration
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The Complexity of Card Issuing Development
Card issuing platforms like Lithic abstract much of the traditional payment infrastructure complexity, but successful implementations still require specialized knowledge. Developers must understand card lifecycle management, authorization decisioning, webhook event handling, PCI-compliant credential display, and reconciliation workflows.
Critical Knowledge Areas:
Lithic is modern card issuing infrastructure that lets developers create, manage, and control payment cards with powerful APIs. However, leveraging this power requires understanding payment network authorization flows, card state transitions and lifecycle events, spend control configuration and rule enforcement, tokenization for digital wallet provisioning, webhook event streams and idempotency, settlement reconciliation and financial reporting, fraud detection and risk management, PCI DSS compliance for card data handling, and KYC/KYB requirements for cardholder onboarding.
Common Development Challenges:
Teams without card issuing experience struggle with authorization
decisioning logic complexity, webhook reliability and retry mechanisms, card number encryption and secure display, handling network timeouts and failures, managing card state transitions correctly, implementing proper idempotency patterns, reconciling settlement data accurately, and debugging production authorization issues.
The Lithic API Advantage
Lithic has been hands-down the fastest path to market with an easy-to-implement API and a great team. The platform provides developer-friendly tools including comprehensive Lithic API documentation, sandbox environments, and webhook event streams.
Platform Capabilities:
Instant virtual card issuance with API-driven creation. Physical card fulfillment through integrated partners. Digital wallet provisioning for Apple Pay, Google Pay. Granular spend controls and authorization rules. Real-time transaction webhooks and event streams. Settlement APIs for financial reconciliation. Fraud detection and risk management tools. Multi-currency support for global programs.
Developer Experience:
RESTful API design with consistent patterns. SDKs in Node.js, Python, Go, Java, Ruby, Kotlin. Comprehensive API documentation and guides. Interactive sandbox for testing without risk. Webhook event streams for real-time updates. 99.99%+ platform uptime guarantee. SOC 2 Type 2 and PCI DSS certified infrastructure.
Global Talent Pool.
India & USA for FinTech Excellence
FintegrationFS operates with a hybrid global engineering model, giving clients the flexibility to choose the best-fit team:
You get a global team advantage high performance, reduced costs, and true 24/7 development momentum.
FinTech Developers in India
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Cost-effective engineering at scale
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Strong expertise in platforms like Plaid, Stripe, Mambu, Yapily, Marqeta
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Highly efficient teams for fast delivery and long-term product ownership
FinTech Developers in the USA
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Ideal for compliance-heavy, regulatory-first projects
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Perfect alignment with U.S. financial institutions, standards, and audits
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Real-time collaboration and high-context decision-making
Lithic API Integration Services
Whether you’re validating an MVP or building a large-scale financial platform, our team manages the entire software development lifecycle, including:
1. Virtual Card API Development
Build virtual card API solutions for instant card issuance across disbursements, travel bookings, insurance claims, employee expenses, and marketplace payments.
Implementation Expertise:
API integration for card creation and configuration. Cardholder account management and authentication. Spend limit controls and merchant restrictions. Card lifecycle management (activate, pause, close). Secure card number display with encryption. Transaction webhook processing and logging. Real-time authorization decisioning. Reconciliation and reporting dashboards.
Use Case Specialization:
Single-use virtual cards for secure one-time purchases. Multi-use virtual cards for recurring subscriptions. Corporate expense cards with employee-level controls. Travel agency booking cards with supplier restrictions. Insurance disbursement cards for claim payouts. Marketplace seller payout cards. Affiliate and influencer payment cards.
2. Physical Card Program Development
Launch branded physical card programs with fulfillment, mobile wallet provisioning, and cardholder management.
Full Program Implementation:
Card design and artwork submission. BIN sponsorship and network setup. Card production and fulfillment integration. Instant issuance for immediate spending. Digital wallet provisioning (Apple Pay, Google Pay). PIN management and security controls. Card replacement and reissuance workflows. Cardholder support portal development.
Advanced Features:
Contactless payment chip configuration. Custom embossing and personalization. Multi-card household programs. Corporate card hierarchy structures. Travel notification management. International usage configuration. EMV chip customization. Fraud monitoring and alerts.
3. Card Issuing Platform Development
Build complete fintech API platform solutions with Lithic as the issuing foundation, adding your unique value proposition and user experience.
Platform Components:
User registration and KYC verification. Account creation and management. Card application and approval workflows. Spending analytics and insights dashboards. Budget and limit management tools. Receipt capture and expense categorization. Rewards program integration. Mobile apps (iOS and Android). Admin dashboards for operations. Reporting and reconciliation tools.
Technical Architecture:
Backend API services connecting to Lithic. Frontend web applications and mobile apps. Database design for user and transaction data. Authentication and authorization systems. Webhook processing and event storage. Job queues for asynchronous processing. Monitoring and alerting infrastructure. Security and PCI compliance controls.
4. Authorization Controls and Spend Management
Implement sophisticated authorization logic and spending controls that protect your program while enabling legitimate transactions.
Authorization Features:
Merchant category code (MCC) restrictions. Transaction amount limits (per-transaction, daily, monthly). Velocity controls for fraud prevention. Geographic restrictions and country blocking. Time-of-day and day-of-week rules. Cardholder-configurable controls. Multi-level approval workflows. Real-time decisioning webhooks.
Risk Management:
Real-time fraud scoring integration. Behavioral anomaly detection. Velocity pattern analysis. Known fraud pattern matching. Manual review queues. Block and allow lists. 3D Secure (3DS) implementation. Strong Customer Authentication (SCA).
Relevant Case studies
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Why FintegrationFS for Lithic Development
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15+ Years of Fintech Expertise
FintegrationFS specializes exclusively in financial technology with deep payment and card issuing experience. Our team has built platforms processing billions in card transactions across lending, neobanking, expense management, and disbursement use cases.
Payment Platform Experience:
Built card issuing platforms for neobanks and fintechs. Developed virtual card solutions for travel and expenses. Created physical card programs for corporate spend. Implemented tokenization for digital wallets. Integrated fraud detection and risk scoring. Built reconciliation and reporting systems. Delivered PCI-compliant cardholder portals.
Official Fintech API Partnerships
As official partners with leading fintech infrastructure providers, we deliver faster, more reliable integrations with proven implementation patterns.
30+ Reusable Fintech Components
Accelerate your Lithic implementation with production-tested components that reduce development time 40-60% while ensuring quality and compliance.
Available Card Issuing Components:
Cardholder onboarding workflows with KYC. Card application and approval processes. Secure card display with PCI compliance. Transaction list and detail views. Spending analytics dashboards. Budget and limit management interfaces. Receipt capture and categorization. Dispute initiation workflows. Mobile app component libraries. Admin portal templates.
Proven Lithic Integration Experience
Our team has built multiple production Lithic integrations, giving us deep familiarity with the platform's capabilities, best practices, and common pitfalls.
Lithic API Documentation and Resources
Comprehensive API Coverage
Lithic APIs require an API key for authentication with expertly written API docs. Our developers master all platform capabilities including card issuance, authorization controls, account management, transaction processing, event webhooks, and settlement APIs.
Core API Endpoints:
Cards API for creation and management. Account API for cardholder accounts. Authorization API for decisioning. Transaction API for history and details. Event API for webhooks. Settlement API for reconciliation. Dispute API for chargebacks. Tokenization API for digital wallets.
Developer Tools:
Interactive API reference with try-it functionality. Client libraries in multiple languages. Postman collection for testing. Sandbox environment with test data. Webhook testing and debugging tools. API status monitoring dashboard. Support documentation and guides.
Lithic API Documentation Best Practices
Our developers follow proven patterns from Lithic's extensive documentation to ensure reliable, maintainable implementations.
Implementation Standards:
Idempotency keys preventing duplicate operations. Webhook verification for security. Exponential backoff for retries. Proper error handling and logging. PCI-compliant data handling. Event stream processing patterns. Rate limit management. API versioning strategies.
Frequently asked questions
Frequently asked questions
