Understand the difference

Lithic vs

With Galileo, scheduled downtime can block critical APIs, and implementations can drag on for months. Lithic's fast-moving infrastructure gets you processing in weeks, with 99.99% uptime that’s always on.

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Businesses that partnered with Lithic over Galileo.

Compare key capabilities

The capabilities that inform your reliability, control, and reconciliation speed.

Uptime & Reliability
Continuous deployment with zero scheduled downtime.
Weekly maintenance windows take core functionality offline for hours. A 24+ hour outage once left cardholders at major neobanks unable to access their funds.
Card Product Flexibility
Supports multiple physical and virtual cards against a single account.
Requires a dedicated deposit or credit account per card. Programs needing multi-card support have to build around the limitation.
Developer Control & Observability
Fraud rules can be updated in seconds, using AI to code custom rules in natural language.
Fraud rule changes require emailing support, creating delays when you can least afford them. 3DS and auth events are siloed, and decline codes are not standardized.
Settlement & Reconciliation
Settlement API delivers real-time reconciliation data via webhooks.
Settlement data arrives as end-of-day CSV batch files for you to sum and calculate across.

Why clients choose Lithic over

Galileo

Three places where the difference between Lithic and Galileo shows up directly in revenue, fraud loss, and how well your support team can actually help cardholders.

01

If you want systems that never sleep

Galileo's scheduled maintenance windows mean lost revenue opportunities and frustrated cardholders who can't complete purchases. Your customers expect access to their money any time of the day, every day of the week, not just during business hours. Lithic ensures your card program is always available, so you never lose transactions or turn away customers.

02

Push changes without waiting on support tickets

With Galileo, fraud rule updates are pushed through customer service emails or tickets and losses compound during attacks. Lithic gives you the power to react to changing behavior in real-time with Authorization Rules configurable in our dashboard or via API.

03

Customer success at the core

Galileo makes it difficult to solve problems for your cardholders. They pass on raw network messages that make it challenging for customer support agents to detect why a decline occurred and share helpful context with a cardholder. Lithic translates network messages into clear, actionable context, so your support team can actually help cardholders
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.”

Zane Salim
Co-Founder and CEO

Still deciding between Lithic and

Galileo

?

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