Unburden your card operations

Trust Lithic to manage key program components, so you can get to market faster and focus on delivering an exceptional cardholder experience.

Lean on Lithic as you drive growth and innovation

Whether you’re launching a new card program or expanding an existing one, Lithic’s expert team and tooling give you the flexibility, peace of mind, and power to scale.

Remain flexible while maintaining control

Adapt your level of management as your needs evolve. With Lithic, you can easily change whether you own or outsource components like fraud, disputes, or customer support to fit your resources and goals.

Build without worrying about the back-end

Accelerate launches and reduce manual lift. Lithic handles everything from bank setup to reconciliation and reporting, freeing your team to focus on building products, not managing operations.

Grow your program efficiently and compliantly

Launch and scale without second-guessing compliance or network obligations. Lithic manages your bank and network relationships so every program decision is backed by trusted oversight.

Everything you need for seamless Program Management

Simplify sponsor bank operations

Accelerate your speed to market. Lithic handles your integration and onboarding with one of our trusted partner sponsor banks to ensure secure, compliant, and reliable program execution.

Simplify sponsor bank operations

Simplify BIN sponsorship. We manage BIN setup, account administration, and ongoing maintenance with your sponsor bank.

Streamline settlement and reporting. Get accurate reconciliation, accounting, and reporting without manual oversight.

Stay compliant at every step. Benefit from continuous testing, audit readiness, and remediation across your program.

Rely on proven compliance frameworks. We administer policies and procedures like AML/BSA and regulatory compliance to meet bank and network standards.

Network and schema management made easy

Our direct connections with Visa, Mastercard, and Amex ensure seamless coordination with the major networks to keep your network setup, reporting, and integrations up to date.

Network and schema management made easy

Accelerate network onboarding. Lithic handles all network paperwork, billing, and ongoing project management.

Tap into network-native innovations. Get faster access to new network features like Account Level Management and Flex Credential to optimize costs and deliver new payment experiences.

Maintain processing integrity. We monitor network rule compliance and processing quality to minimize disruptions.

Enable secure authentication. Configure and manage 3DS setup through Lithic’s direct network connections.

Reliable compliance and oversight

Our in-house compliance experts handle day-to-day monitoring and regulatory coordination so that your program is fully aligned with bank, network, and legal standards.

Reliable compliance and oversight

Reduce regulatory burden. Lithic manages AML, KYC/KYB, OFAC, and ongoing risk monitoring.

Gain always-on oversight. We deliver continuous compliance monitoring, remediation, and audit reporting.

Trust expert due diligence. Our team conducts legal and regulatory reviews so you can launch with confidence.

Simplify marketing reviews. We handle marketing compliance approvals and coordination with sponsor banks.

Seamless physical and digital card fulfillment

Lithic coordinates card manufacturing, personalization, and network approvals with our preferred vendors and digital wallet providers to set you up to launch with confidence across physical and digital channels.

Seamless physical and digital card fulfillment

Launch physical cards seamlessly. We manage chip profiling, personalization, printing, and fulfillment.

Streamline design approvals. Our team handles card art submissions, design reviews, and network waiver management.

Expand into digital wallets. Enable Apple Pay, Google Pay, and Samsung Pay with complete program oversight.

Unify provisioning workflows. Manage in-app, web, and manual push provisioning projects through a single partner.

Customize your program with modular Program Services

Every business has a unique business model. You can start with Program Management and add individual Program Services as your needs evolve, or use Program Services standalone.

Design your Program Management around your business

Sponsor Bank & Network

Regulatory Compliance

Card Fulfillment

Add Program Services

Fraud & Risk

Disputes

Customer Support

Fraud Prevention and Risk Mitigation

Lithic proactively protects your program with advisory, transaction monitoring, and tooling for real-time identity authentication and transaction authorization.

Enhance decision accuracy Build and adjust Auth Rules using high-signal attributes across cards, accounts, and programs.

Test safely before launch Use “shadow mode” to model fraud rules and validate performance without impacting live transactions.

Get expert guidance Work with Lithic’s fraud specialists to configure and continuously improve your defenses.

Dispute Management and Resolution

Let Lithic handle every dispute from claim to recovery with our intelligent dispute engine, network integrations, and experienced team.

Automate dispute resolution Our system identifies recovery opportunities, flags first-party fraud, and automates actions based on program preferences and network rules, enabling you to pursue recovery on transactions you would normally write off.

Recover more revenue Lithic maintains a 90% win rate on eligible chargebacks through deep mastery of network rules and accurate, timely filings.

Stay informed Get complete visibility into every claim via Lithic’s centralized dispute portal and reporting tools.

Customer Support

Deliver a seamless cardholder experience without managing a contact center.

Offer always-on service Lithic provides 24/7/365 cardholder support across chat, email, phone, and IVR, to meet your customers where they are.

Keep your brand front and center We learn your brand voice and communication style to deliver cardholder support that feels like an extension of your team: consistent tone, your brand, every interaction.

Resolve issues faster Our integrated tools, dashboards, and SLAs ensure efficient ticket handling and a better customer experience.

Launch and scale your card program with Lithic

Frequently asked questions

What does Lithic’s Program Management include?

How is Program Management different from Program Services?

Can I keep parts of program management in-house?

Which networks and banks does Lithic work with?

How long does it take to launch under Lithic’s Program Management?

Is there flexibility to add or remove services over time?