Banking, cards, and lending features you can build directly into your app, offered as either a fast "managed" package or a fully custom API, for companies that want financial features without becoming a bank.
unit.co
Alternatives to
Lithic
Best alternatives to Lithic in 2026
Launching a branded debit or credit card used to require partnering directly with a bank and a card network and building settlement, fraud, and compliance infrastructure practically from scratch — a project that could take a well-funded team the better part of a year. Lithic is a card-issuing API that handles that infrastructure layer: it issues virtual and physical cards, processes transactions with a claimed 99.99%+ uptime, and provides fraud/risk controls, ledgering, and ACH/wire money movement, so a company building a payment product plugs into an API instead of building bank-grade rails. It's aimed at developer teams at fintech companies, banks, and startups building payment products — the company cites over 100 high-growth brands as customers, including names like Mercury and Order.co. There's a free sandbox for testing integrations, but production pricing isn't published; like most card-issuing infrastructure, it requires a sales conversation to get an actual quote, reflecting the compliance and underwriting work involved in launching a real card program.
Quick comparison of Lithic alternatives
| # | Tool | Best for | Price |
|---|---|---|---|
| 1 | Entreprises logicielles, plateformes fintech, applications SaaS et plateformes gig-economy voulant intégrer des fonctionnalités financières natives. | — | |
| 2 | Entreprises fintech, fournisseurs de finance embarquée, banques voulant lancer des produits bancaires régulés. | — | |
| 3 | AI API providers | Agentic AI platforms | Product-led and sales-led SaaS companies with usage-based pricing | — | |
| 4 | Fintechs | Digital banks | Payment processors | Crypto platforms | Sponsor banks | — | |
| 5 | Grand public | — | |
| 6 | Chercheurs | Étudiants | — | |
| 7 | Développeurs | — | |
| 8 | Développeurs | — | |
| 9 | Utilisateurs Windows | — | |
| 10 | Développeurs | — | |
| 11 | Développeurs | — | |
| 12 | Développeurs | Équipes IT | — | |
| 13 | Professionnels de l'informatique | — | |
| 14 | Développeurs | — | |
| 15 | Développeurs | — | |
| 16 | Étudiants | — | |
| 17 | Développeurs | — | |
| 18 | Développeurs | — | |
| 19 | Développeurs | — | |
| 20 | Développeurs | — |
#1
- ✓ $100B+ annual transaction volume with 15M+ daily API calls
- ✓ Serves 2M+ end users with proven scale and reliability
#2
A toolkit for building bank accounts, cards, and payment features into your own product, including the sponsor-bank partnerships and compliance tooling that would otherwise take months to set up alone.
synctera.com
- ✓ Complete integrated API ecosystem (accounts, cards, payments) in one platform
- ✓ Built-in risk and compliance management tools
#3
Billing infrastructure built specifically for AI companies — tracks usage like API calls or tokens, generates invoices, and shows margins in real time.
useunitpay.com
- ✓ Live in under 10 minutes
- ✓ 1ms ingestion latency and 99.99% uptime claimed
#4
No-code platform that lets a bank or fintech's risk team build their own fraud and money-laundering detection rules, investigate flagged cases, and file the required regulatory reports.
unit21.ai
- ✓ No-code rule builder lets risk teams adjust fraud/AML logic without engineering
- ✓ Reports ~5% of all US SARs filed, a strong real-usage indicator
FAQ about Lithic alternatives
- What is the best alternative to Lithic in 2026?
- Based on our selection, Unit is the best alternative to Lithic in 2026. Banking, cards, and lending features you can build directly into your app, offered as either a fast "managed" package or a fully custom API, for companies that want financial features without becoming a bank.. See our full ranking above to compare all options.
- Is Lithic free?
- Lithic is a paid tool. Several alternatives in our selection offer free or freemium versions.
- How many alternatives to Lithic are there?
- mySelectas has listed 20 alternatives to Lithic in the Payments, Billing & Ops category. Our selection is updated regularly to include the best options available.