Is Lithic or Moov better?

Neither clearly leads. Lithic starts at On request and Moov at $500/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Lithic or Moov?

Lithic starts at On request and Moov at $500/month.

Does Lithic or Moov run on more platforms?

Lithic runs on Web, API. Moov runs on Web, API, iOS, Android.

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 Moov is typically brought in for.

What can Lithic do that Moov cannot?

Lithic covers Direct network connections, Processor Client mode, Lithic Program Management, Card lifecycle APIs. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

APIs · head to head

Lithic vs Moov

Lithic

APIs

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

From: On request
Rated: -

Full review Website

Moov

APIs

Payments API with a published rate card covering card acceptance, ACH and instant payouts

From: $500/month
Rated: -

Full review Website

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.; Moov the 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
They diverge on capability: Lithic covers Direct network connections, Moov covers Interchange-plus card acceptance.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Lithic and Moov actually diverge.

Attributes where Lithic and Moov differ
Attribute	Lithic	Moov
Starting price	On request	$500/month
Pricing model	quote	Per transaction plus monthly minimum
Platforms	Web, API	Web, API, iOS, Android

Identical on both: 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 Moov

Interchange-plus card acceptance
ACH transfers
Instant payments
Wallets
Payment links and invoices
Virtual cards
Account verification
Card account updater

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 Moov
A company that already holds its own issuing licence and wants API access without full programme managementnot Moov
A neobank or expense platform wanting Lithic to manage bank and network relationships end to endnot Moov
A product team prototyping a card programme in sandbox before committing to a launchnot Moov

Moov

A vertical SaaS company embedding payments that needs published unit economics to price its own product before signing anythingnot Lithic
A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Lithic
A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Lithic
A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot 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.

Moov

The 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
The 50 cent monthly charge per active wallet penalises platforms with many end users who transact rarely, and that cost grows with your user base rather than your revenue.
United States only, so any platform with international sellers or buyers needs a second provider and a second reconciliation process.
At very high volume the published interchange-plus markup is less competitive than a directly negotiated acquiring relationship, so success eventually creates a reason to leave.
The ecosystem of prebuilt integrations, plugins and third-party tooling is far smaller than Stripe's, so anything outside the core API, from tax handling to subscription logic, is work you build yourself.

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

Moov

$500/month

Standard$500/month
- 500 USD monthly minimum, no setup fee
- Card online at interchange plus 0.60% and 15c
- Tap to pay at interchange plus 0.50% and 15c
Custom$undefined/month
- Negotiated rates for high volume
- Specialised business models
- Dedicated support

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 Moov if

You need interchange-plus card acceptance.
You work on Web, API, iOS, Android.
You also want ach transfers.

Moov review

Questions people ask

Is Lithic or Moov better?: Neither clearly leads. Lithic starts at On request and Moov at $500/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Lithic or Moov?: Lithic starts at On request and Moov at $500/month.
Does Lithic or Moov run on more platforms?: Lithic runs on Web, API. Moov runs on Web, API, iOS, Android.
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 Moov is typically brought in for.
What can Lithic do that Moov cannot?: Lithic covers Direct network connections, Processor Client mode, Lithic Program Management, Card lifecycle APIs. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

Lithic: Does Lithic publish pricing?

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

Moov: Does Moov publish its prices?

Yes, in unusual detail: interchange-plus card rates, per-transaction ACH and RTP charges, dispute and return fees, and the monthly minimum are all on the pricing page.

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.

Moov: What is the monthly minimum?

500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.

Lithic: Which networks does it connect to?

Visa, Mastercard and American Express directly.

Moov: Can I use Moov outside the United States?

No. Moov handles US payments only, though it accepts international cards at an extra 1.5 percent.

Moov: Is Moov a bank?

No. It is a payments platform working with partner financial institutions, so account and settlement arrangements depend on those partners.

Lithic vs Moov

Lithic

Moov

The short version

Where they differ

What each one covers

Only in Lithic

Only in Moov

What people use each for

Lithic

Moov

Where each one falls short

Lithic

Moov

Pricing, plan by plan

Lithic

Moov

Which should you pick?

Choose Lithic if

Choose Moov if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Lithic

More on Moov

Keep looking

Other head to heads