Lithic Integrates Visa’s Latest API to Upgrade Cardholders and Generate Revenue for Issuers Faster

Lithic, the card issuing processing platform powering next-generation financial experiences, announced its integration with Visa Account Level Management (ALM) over Visa’s Card Program Enrollment (VCPE) API, offering fintech partners faster delivery of premium card programs and improved card economics.

Visa ALM evaluates spend across multiple cards under a single account to determine premium program eligibility. This shift from BIN-level to account-level assessment helps improve program economics while accelerating benefit delivery.

The integration enables Lithic clients to enroll eligible cardholders into Visa’s Signature and Signature Preferred programs, and more, without card re-issuance or disruption to the cardholder experience. Unlike legacy batch enrollment methods that delay benefit activation and interchange assignment for days, Lithic’s VCPE API integration processes card enrollments in near real-time.

“Integrating with Visa’s ALM system over the VCPE API allows Lithic partners to unlock enhanced revenue opportunities while maintaining a smooth, cardholder-friendly experience,” said Bo Jiang, CEO of Lithic. “Our partners can now deliver premium card offerings with speed, flexibility and precision—bringing stronger product differentiation and customer engagement through near real-time benefit activation.”

Fintechs can now manage card portfolios at the account level, paving the way for more personalized cardholder rewards, real-time tier upgrades, and premium Visa benefits like extended warranties, travel protections and concierge services. This "account for life" approach means cardholders keep their existing number while their account adapts to their evolving spending patterns.

The integration is currently available in the U.S. and Canada, with room to grow globally alongside Lithic’s roadmap. For more information about Lithic’s solutions for bespoke card programs, visit lithic.com.