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APIs · head to head

Lithic vs Weavr

Lithic logo

Lithic

APIs

API-first card issuing platform with direct Visa, Mastercard and Amex network connections

From
On request
Rated
-
Full reviewWebsite
Weavr logo

Weavr

APIs

Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Lithic pricing is entirely undisclosed, so a company cannot compare total cost against Marqeta, Galileo or Highnote without a sales conversation.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • They diverge on capability: Lithic covers Direct network connections, Weavr covers Plug-and-play products.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Lithic and Weavr actually diverge.

Attributes where Lithic and Weavr differ
AttributeLithicWeavr
PlatformsWeb, APIWeb, REST API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Lithic

  • Direct network connections
  • Processor Client mode
  • Lithic Program Management
  • Card lifecycle APIs
  • Sandbox environment
  • Real-time authorization controls

Only in Weavr

  • Plug-and-play products
  • Regulated cover
  • Card issuing
  • Multi-currency accounts
  • Identity and onboarding
  • Data insights

What people use each for

The jobs each tool is most often brought in to do.

Lithic

  • A fintech wanting direct Visa or Mastercard network access rather than routing through a third-party processornot Weavr
  • A company that already holds its own issuing licence and wants API access without full programme managementnot Weavr
  • A neobank or expense platform wanting Lithic to manage bank and network relationships end to endnot Weavr
  • A product team prototyping a card programme in sandbox before committing to a launchnot Weavr

Weavr

  • A project management SaaS adding expense cards without hiring a compliance officernot Lithic
  • A marketplace paying out sellers from accounts held inside its own productnot Lithic
  • A procurement platform issuing virtual cards against approved purchase ordersnot Lithic
  • A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot Lithic

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Lithic

  • Pricing is entirely undisclosed, so a company cannot compare total cost against Marqeta, Galileo or Highnote without a sales conversation.
  • Choosing Processor Client mode still leaves the company responsible for holding its own issuing licence and managing the regulatory relationship, which is a substantial undertaking many teams underestimate.
  • As with any card infrastructure provider, an outage or network issue at Lithic becomes a direct outage for every card programme built on it, and a customer has limited visibility into root cause during an incident.
  • Building a card programme on API infrastructure requires real engineering investment; it is not a plug-and-play product for a non-technical team.
  • Switching card infrastructure providers after launch is a major undertaking involving card reissuance and programme migration, so the initial choice carries lasting lock-in.

Weavr

  • Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
  • It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
  • Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
  • European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.

Pricing, plan by plan

Lithic

On request
  • Lithic$undefined/year
    • Volume and interchange-based pricing, not published
    • Separate Processor Client and Program Management pricing tracks
    • Custom quote required via sales

Weavr

On request
  • Weavr embedded finance$undefined/year
    • Platform subscription plus per-account and per-card fees
    • Interchange share negotiated as part of the commercial terms
    • Monthly minimums apply to card programmes

Which should you pick?

Choose Lithic if

  • You need direct network connections.
  • You work on Web, API.
  • You also want processor client mode.
Lithic review

Choose Weavr if

  • You need plug-and-play products.
  • You work on Web, REST API.
  • You also want regulated cover.
Weavr review

Questions people ask

Is Lithic or Weavr better?
Neither clearly leads. Lithic starts at On request and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Lithic or Weavr?
Lithic starts at On request and Weavr at On request.
Does Lithic or Weavr run on more platforms?
Lithic runs on Web, API. Weavr runs on Web, REST API.
What is Lithic best used for?
Lithic is most often used for a fintech wanting direct visa or mastercard network access rather than routing through a third-party processor, a company that already holds its own issuing licence and wants api access without full programme management, a neobank or expense platform wanting lithic to manage bank and network relationships end to end, a product team prototyping a card programme in sandbox before committing to a launch. Of those, a fintech wanting direct visa or mastercard network access rather than routing through a third-party processor and a company that already holds its own issuing licence and wants api access without full programme management are not what Weavr is typically brought in for.
What can Lithic do that Weavr cannot?
Lithic covers Direct network connections, Processor Client mode, Lithic Program Management, Card lifecycle APIs. Weavr covers Plug-and-play products, Regulated cover, Card issuing, Multi-currency accounts.

Answered from the vendors’ own pages

Lithic: Does Lithic publish pricing?

No, pricing is volume-based and requires a sales conversation.

Weavr: Do I need my own financial licence?

No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.

Lithic: What is the difference between Processor Client and Program Management?

Processor Client suits companies with their own issuing licence and bank relationships; Program Management is for companies wanting Lithic to coordinate those relationships on their behalf.

Weavr: How is it different from a banking-as-a-service API?

It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.

Lithic: Which networks does it connect to?

Visa, Mastercard and American Express directly.

Weavr: How does Weavr make money?

Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.

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