# Lithic vs Marqeta

Marqeta’s aging infrastructure slows operations and muddles observability. Lithic's modern platform is built from first principles so you can make real-time changes and understand performance at every level.

Businesses that partnered with Lithic over Galileo.

## Compare key capabilities

The capabilities that inform your operations, control, and developer experience.

Reconciliation

Lithic delivers real-time reconciliation data via webhooks and settlement API endpoints.

Settlement data arrives as thrice-daily syncs or raw network files you parse yourself.

Co-brand & Platform Needs

Built for multi-network and multi-bank card programs. Lithic is compatible with 25+ sponsor banks.

Complex businesses run into limitations with constrained funding and sponsor bank relationships.

Authorization Intelligence

Offer SMS challenges outside of just 3DS and access 25+ attributes to create authorization controls custom to your program.

Challenges are limited to 3DS transactions and rule attributes are sparse. No opportunity to shadow or backtest controls outside of sandbox simulations.

Developer Experience

SDKs in multiple languages with self-serve sandbox and embedded PAN rendering.

No official SDKs. Developers build integrations from raw API docs.

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."

Zane Salim

Co-Founder and CEO

Order.co

“Lithic has been a huge part of what makes the Order.co platform work as smoothly as it does. We're issuing hundreds of thousands of single and multi-use virtual cards annually via the Lithic API.”

Zach Garippa

Co-Founder and CEO

### Still deciding between Lithic and Marqeta?

[Explore Sandbox](https://app.lithic.com/signup?_gl=1*1nc0q5c*_gcl_aw*R0NMLjE3NzkyODk2NTQuQ2p3S0NBand0N1hRQmhCa0Vpd0F0U3RwcDMyeUU3ZmlKQlJPdXdQVkg0b3liLWdOWWpDcjJUaFFqQ0R3Ym1OQnVGZmlOQVhQR3lSZTNob0NVY0lRQXZEX0J3RQ..*_gcl_au*NTgyNTgzMzM0LjE3NzU1MTg2ODguMjAxMjUzNTM0OS4xNzc3MzMzODM0LjE3NzczMzQ1NjI) [Contact us](/content/about/contact/index.html)