Lithic vs Highnote

Highnote’s shallow network connectivity, limited access to Federal Reserve rails, and supporting services limit scaling programs. Lithic's direct network connections and complete services offerings give you the confidence and operational support embedded fintechs can't deliver.

Businesses that partnered with Lithic over Galileo.

Compare key capabilities

The capabilities that inform your access to networks and rails, risk controls, and operations.

• Direct integrations to the Federal Reserve, American Express, Mastercard, Visa, and PIN-Debit networks.

• Configurable rules across 25+ attributes with AI-powered rule creation, testing, and challenges.

• 100s of dedicated BINs and 25+ sponsor bank integrations. Clear Graduation Path to self-manage.

• Managed cardholder support (email, phone, chat, IVR), dispute resolution, transaction monitoring, and fraud operations.

Why our clients love Lithic.

From lean startup teams to mature enterprises, businesses choose Lithic for best-in-class payments infrastructure.

Mercury
“Card programs look simple on the surface, but there's a lot of complexity underneath. What stood out with Lithic was the depth of their card expertise. They understand the edge cases, the tradeoffs, and the downstream impact of decisions, which makes it much easier for us to move quickly and build with confidence.”

John Mason, Senior Product Manager

Atlas
“From day one, the Lithic team felt like an extension of ours. Their platform handled the complexity, so we could focus on designing the best possible card experience. It's been a true partnership built on reliability and trust.