Fraud Risk Management
Fraud & Risk Management
Protect your cardholders from first swipe to settlement
Build fraud-resilient programs with the oversight, flexibility, and tools for complete compliance and control.
Manage risk with total visibility
An integrated platform to prevent losses, preserve revenue, and earn cardholder trust, powered by real-time Authorization Intelligence across every step of the transaction lifecycle.
Precise controls with expert guidance
Peace of mind from day one. Lithic’s fraud suite combines robust Authorization Rules, flexible decisioning logic, and velocity controls that block suspicious activity instantly while keeping legitimate transactions flowing smoothly. Our expert risk team is on hand to help optimize your strategy as threats evolve.
Reduce fraud losses and protect revenue at scale
Detect suspicious activity early to minimize chargebacks. Get clear visibility into program health with detailed fraud metrics and full authorization context. When fraud does slip through, dispute management tools help you recover funds quickly, protecting revenue and cardholder trust.
Move fast without compromising security
Launch confidently with out-of-the-box fraud protections, then customize rules as your program scales. Lithic gives you the flexibility to fine-tune risk policies in real-time and through shadow mode or backtesting, so you can refine your risk strategy without costly mistakes or adding friction for cardholders.
Everything you need to build what you want
Verify every user at onboarding
Keep good cardholders moving while stopping bad actors before they transact.
Verify every user at onboarding
Automate CIP and identity checks. Use Lithic-managed KYC/KYB workflows to collect and verify the right information without building it all yourself.
Verify business entities and UBOs. Confirm business details and beneficial ownership to reduce synthetic and stolen identity risk at the door.
Streamline remediation. Trigger follow-ups and resolve exceptions with Lithic’s support so edge cases don’t stall onboarding.
Approve more good customers. Tune thresholds to maximize approval rates while maintaining strong guardrails against fraud.
Smarter authentication with 3DS
Strengthen card-not-present transactions without slowing down legitimate cardholders with flexible authentication tools.
Smarter authentication with 3DS
Access 30+ unique data elements. Inform every authentication decision with rich context to identify true risk.
Frictionless by default. Support Visa and Mastercard frictionless flows that minimize cardholder drop-off while meeting network requirements.
Customizable challenge flows. Tailor challenge messages and channels—SMS, email, or in-app—to maintain a consistent brand experience.
Protect chargeback rights. Integrated 3DS keeps you in control of disputes, so you retain chargeback rights instead of default approving transactions via stand-in.
Adapt decisioning logic to your risk tolerance
Lithic Authorization Intelligence means your risk logic doesn’t work in siloes. Configure cardholder authentication, digital wallet tokenization, and card authorization decisioning with ready-made rules, templates, or your own systems to achieve the right balance of security, flexibility, and ease.
Start simple with Lithic Rules.
Protect your program from common fraud patterns out of the box. Our default rules require no coding, are fast to set up, and keep your program safe from the most frequently observed attack patterns.
Fine-tune within our platform.
Pick from our Rule Library, apply pre-built templates, or define your own custom logic. Run rules in shadow mode and backtest changes against real data to refine performance without adding infrastructure complexity.
Full control with Client Decisioning.
When you need maximum flexibility, Lithic can delegate decisioning to your systems. Use your proprietary data, call external services, or even write custom code that we execute for you while maintaining 99.99%+ uptime.
Minimize fraud without adding friction
Every authorization request is a chance to stop fraud. Balance strong risk controls with a seamless cardholder experience at every step of the payment lifecycle.
Minimize fraud without adding friction
Fight online fraud with 3DS identity verification.
Protect cardholders and manage your program’s risk exposure by implementing 3DS controls, with 30+ data points, customizable challenge flows, and flexible decisioning options.
Customize every Authorization Rule. Configure multi-layered rules to stop fraud before it impacts your bottom line. Leverage easy no-code options, shadow-test and backtest new logic, enforce spend velocity limits, and refine performance over time—without the infrastructure costs of building it all yourself.
Stay in the driver's seat with direct ASA. Our Authorization Stream Access feature lets you make a real-time authorization decision based on your proprietary data. Pair it with Lithic-hosted Auth Rules for seamless failover protection.
Fast, fair dispute resolution
When disputes arise, Lithic manages the entire process—from claim to recovery—handling all paperwork and network communication so your team can focus on growth.
Fast, fair dispute resolution
Protect your bottom line. Minimize losses by recovering more funds and deterring repeat bad actors.
Build trust with customers. Deliver a smoother experience for legitimate cardholders impacted by fraud, quickly restoring customer confidence.
Rely on experts, not templates. Instead of a one-size-fits-all playbook, Lithic applies real-time data and industry expertise to construct the strongest possible case for every dispute.
Customize your fraud and risk controls
Whether you want more control over your risk management program or you could use hands-on guidance from Lithic’s risk team, the choice is yours.
Self-service: You’re in the driver’s seat
Every program on Lithic comes equipped with the tools to protect cardholders, reduce losses, and operate with confidence, as well as a path to more sophisticated controls as their needs grow. Explore whether Fraud Essentials or Fraud Command is right for you.
Fraud Essentials is an always-on foundation of baseline controls across authorization, provisioning, and ACH:
- Configure basic rule types
- Leverage standard rule inputs
- Access network risk scoring
- Set out-of-the-box wallet token decisioning
- Test rules in shadow mode
Fraud Command is a deeper level of granular control and sophisticated decisioning:
- Write rules with custom code and AI-assist
- Utilize contextual rule inputs
- Set Authorization Challenges
- Configure custom wallet tokenization rules
- Analyze rule performance with backtesting
Fraud & Risk Mitigation: Pass the wheel to Lithic
Partner with Lithic’s expert Program Services risk team to monitor fraud and risk trends, configure rules, and proactively review performance with your team.
Testimonials
"Implementing challenge flows to our 3DS solution has been absolutely game changing for our risk management. We’ve reduced our average monthly losses for transactions authenticated by 3DS by 97% with this feature addition."
Chelsye Toliver
Director of Payments
Guide: 3-D Secure
3-D Secure
Though all agree that cards need embedded fraud-fighting mechanisms, 3-D Secure (3DS) has often been a friction point causing poor purchase authorization rates. Not so here.
Lithic’s 3DS solution lets issuers leverage 30+ data fields to intelligently authenticate transactions without unnecessary fraud-liability risk. Our frictionless flows minimize cardholder friction and maximize authorizations—all while protecting against liability shift.
Launch and scale your card program with Lithic
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