# Go beyond basic banking

Accelerate growth with agile infrastructure that unlocks new revenue streams and deepens customer relationships.

## Cash in on stand-out banking features

Delight with always-on reliability.

In today’s world, 24/7 banking isn’t a luxury—it’s the new normal. Lithic delivers record uptime with uninterrupted service, so your customers can access their money wherever, whenever they need.

Offer complete banking solutions.

Featureless deposit accounts can’t compete. Lithic helps you roll out advanced expense management, bill pay, and money movement solutions that boost customer engagement.

Future-proof your accounts.

Bad ledgers can sink good banking programs. Lithic’s ledger maintains to-the-penny consistency across all instances, delivering settlement data and reporting you can trust.

## Rapid money movement built on best-in-class reliability

Launch and scale quickly

Deliver uninterrupted service

Fight fraud with bank-grade security

**Offer banking access anytime, anywhere**

## Everything you need to build what you want

**Accounts**

- Virtual and routable accounts with centralized money movement capabilities
- Multi-tiered account structures supporting both consumer and commercial programs

**Fraud Controls**

- Stepped-up security with advanced fraud and authorization controls

**Processing**

- Modern API infrastructure with industry-leading uptime and reliability
- Real-time transaction processing with built-in ledgering and reconciliation
- Self-serve webhooks, APIs, and dashboard

**Program Management**

- Frictionless integrations across a growing network of sponsor bank partnerships

**Card Issuing**

- Digital-first card and spend management features, with nation-wide ATM access

## Flexible solutions to power a variety of use cases

**Money Movement**

Empower your customers to effortlessly transfer and manage funds with reliable, real-time payments processing that extends and enhances your core banking capabilities.

[Bill Pay  
Enhance your banking platform with advanced bill pay and accounts payable solutions enabled by Lithic’s secure transaction infrastructure that processes payments accurately and on time.  
Read More](/content/industries/bill-pay/index.html)

[Expense Management  
Transform the way businesses track and control spend with customizable controls, automated accounting integrations, and real-time transaction visibility across all company cards.  
Read More](/content/industries/expense-management/index.html)

**Demand Deposit Accounts**

Complement bank-issued deposit accounts with modern payments capabilities through Lithic’s processing and ledgering technology—without the burden of building the infrastructure from scratch.

## Discover how top companies are leveling up their digital banking with Lithic

Lithic helped scale this neobank’s card program to handle large transaction volumes, support multiple bank partners, and implement flawless reconciliation.  
Read the full case study  
“Reliability is a top consideration for Mercury, so we were careful when choosing a long term card issuing partner.  
We knew Lithic had a good platform with a modern API, and had been operating a card processor a long time. And it turned out to be a great call—they’ve been a stable and steady partner.”

## Frequently asked questions

- How does Lithic support both consumer and commercial banking programs?
- What makes Lithic’s ledger different from other processors?
- How does Lithic ensure 24/7 reliability for banking customers?
- Can Lithic integrate with existing banking infrastructure?
- What banking features does Lithic support?