Price checkMonthly
Processor GatewayCustomLithic Program ManagementCustomCardholder SupportCustom
See all 5 plans

All Lithic Plans & Pricing

Plan Monthly Annual Best For
Processor Gateway
Lithic Program Management
Cardholder Support
Disputes & Chargebacks
Fraud & Risk Mitigation
View all features by plan (compare side-by-side)

Processor Gateway

Lithic Program Management

Cardholder Support

Disputes & Chargebacks

Fraud & Risk Mitigation

Request Lithic Pricing
Compare Lithic with alternativesAdjust seats, lock a tier, add up to 2 more products side-by-side. Shareable URL.
Quick Answer
Last verified:
High confidence

Lithic uses custom pricing as of July 2026 with 5 plans available. Contact Lithic directly for a personalized quote. Pricing depends on your chosen tier, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: No free tier available

Lithic offers 5 pricing tiers: Processor Gateway, Lithic Program Management, Cardholder Support, Disputes & Chargebacks, Fraud & Risk Mitigation.

Compared to other banking-as-a-service (baas) software, Lithic is positioned at the budget-friendly price point.

  • 15 documented hidden costs beyond list price
Last verified: | Sources: 1 pricing pages and reviews

How much does Lithic cost?

Lithic uses custom pricing across 5 plans. Contact Lithic directly for a personalized quote. Plans include Processor Gateway (custom pricing), Lithic Program Management (custom pricing), Cardholder Support (custom pricing), Disputes & Chargebacks (custom pricing), Fraud & Risk Mitigation (custom pricing).

Lithic Pricing Overview

Lithic uses custom pricing — contact their sales team for a quote. The Processor Gateway plan requires contacting sales for a custom quote. The Lithic Program Management plan requires contacting sales for a custom quote. The Cardholder Support plan requires contacting sales for a custom quote. The Disputes & Chargebacks plan requires contacting sales for a custom quote. The Fraud & Risk Mitigation plan requires contacting sales for a custom quote.

There are at least 15 documented hidden costs beyond Lithic's list price, including implementation, training, and add-on fees.

This pricing was last verified in June 14, 2026 from 1 independent source.

Request Lithic Pricing

Lithic offers several services including Processor Gateway, Lithic Program Management, Cardholder Support, Disputes & Chargebacks, and Fraud & Risk Mitigation. All listed services have custom pricing.

Contact Lithic directly for specific pricing details for each service.

How Lithic Pricing Compares

Compare Lithic pricing against top alternatives in Banking-as-a-Service (BaaS).

Apto Payments $2500-$10000/mo View pricing → Solarisbank Custom pricing View pricing → Synctera Custom pricing View pricing →

Compare Lithic vs Alternatives

Before committing to Lithic, compare pricing with these 3 alternatives in the same category.

VSApto Payments
From $2500/mo

Compare pricing
VSSolarisbank
Custom

Compare pricing
VSSynctera
Custom

Compare pricing

All Lithic alternatives & migration guides

What Companies Actually Pay for Lithic

Review scores
Third-party review aggregates, as of Jul 2026
Top pricing complaints
pricing and chargesquite priceysomehow their charges

How Lithic Pricing Compares

Software Starting Price Top Price
Lithic Custom Custom
Apto Payments $2500/mo $10000/mo
Solarisbank Custom Custom
Synctera Custom Custom
Railsbank (Railsr) Custom Custom

Browse all Banking-as-a-Service (BaaS) pricing →

15 Lithic Hidden Costs Beyond the List Price

Beyond the listed price, Lithic has at least 15 documented hidden costs that can significantly increase total cost of ownership.

Watch for 15 hidden costs
  • Virtual Card Issuance (Starter) $0.10
    medium 1 source
    industry "For "Enterprise" clients, defined as companies with over $250,000 in monthly payment volume, the cost per virtual card is likely less than $0.10"
  • Physical Card Issuance and Shipping
    high 1 source
    industry "For "Enterprise" clients, defined as companies with over $250,000 in monthly payment volume, the cost per virtual card is likely less than $0.10"
  • Platform Subscription Fees $12,500 per month or $15,000 per month
    high 1 source
    industry "One Reddit user indicated that several BaaS providers, including Lithic, charge around $12,500 per month for platform access"
  • Per-User/Per-Account Fees $0.10 per customer per month
    high 1 source
    industry "One Reddit user indicated that several BaaS providers, including Lithic, charge around $12,500 per month for platform access"
  • Interchange Fees 1.5% to 2.5% of a transaction
    high 1 source
    industry "Interchange Fees: Lithic's revenue is partly derived from interchange fees, which are a percentage of each transaction paid by the merchant's bank to the card-issuing bank"
  • KYC/KYB Pass-throughs
    medium 1 source
    industry "KYC/KYB Pass-throughs: Costs associated with Know Your Customer (KYC) and Know Your Business (KYB) verification for new onboarding are often passed through to the buyer and can be variable"
  • Fraud Monitoring and Dispute Resolution
    high 1 source
    industry "Fraud Monitoring and Dispute Resolution: These are variable costs that can significantly impact the overall expense of running a card program"
  • Deposit Account Module Access $10,000 per month
    high 1 source
    industry "In the broader BaaS market, monthly platform subscriptions can range significantly, with access to a deposit account module potentially costing around $10,000 per month, and an additional $5,000 for a card program."
  • Card Program Module Access $5,000 per month
    high 1 source
    industry "In the broader BaaS market, monthly platform subscriptions can range significantly, with access to a deposit account module potentially costing around $10,000 per month, and an additional $5,000 for a card program."
  • Other Transaction Fees
    medium 1 source
    industry "Other transaction-based fees can include charges for ACH, wires (which can be as high as $30 for international wires), or checks."
  • KYC/KYB Verification
    high 1 source
    industry "These can include: * KYC (Know Your Customer) and KYB (Know Your Business) Verification: Costs associated with identity verification, sanctions list checks, and PEP (Politically Exposed Persons) registers for each end-user."
  • Chargeback Operational Expenses $50 to $150 per case
    medium 1 source
    industry "Chargeback fees in the broader payment processing industry can range from $15 to $100 per chargeback, with operational expenses adding another $50 to $150 per case."
  • Assessment Fees 10% to 30%
    medium 1 source
    industry "Assessment Fees: Standardized charges from card networks (Visa, Mastercard, Discover) that processors may bundle with proprietary "brand fees," inflating the cost by 10% to 30%."
  • Gateway/Platform/Processor Markups $0.10 to $0.30 per transaction
    medium 1 source
    industry "Gateway, Platform, and Processor Markups: Payment gateways can charge $0.10 to $0.30 per transaction plus monthly platform fees, and processors may add markups above interchange."
  • Implementation Complexity $500,000
    high 1 source
    industry "Implementation Complexity: While Lithic aims to streamline card issuing, more advanced card constructs can increase launch complexity."
Tip

Ask your Lithic sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 1 independent sources
industry
Key claims include inline source attribution. Data verified against multiple independent sources. 16 source citations total.

How to Negotiate Lithic Pricing

Lithic contracts are negotiable. These 1 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 1 tactics
Negotiate Pricing & Terms high success

Specific pricing details for enterprise clients and comprehensive contract terms are not publicly disclosed and are typically subject to negotiation.

https://contrary.com
High success Medium Low / difficult

Full negotiation guide →

Lithic Pricing FAQ

01 Does Lithic offer a free plan?

Lithic does not have a free plan available.

02 What are the pricing options for Lithic services?

Lithic offers custom pricing for Processor Gateway, Lithic Program Management, Cardholder Support, Disputes & Chargebacks, and Fraud & Risk Mitigation.

03 How can I get pricing information for Lithic?

Pricing for Lithic services is not publicly listed and requires direct contact with Lithic for a quote.

Is this pricing incorrect? — we'll verify and update it.