Protect your cardholders from first
swipe to settlement
Manage risk with total visibility
An integrated platform to prevent losses, preserve revenue, and earn cardholder trust.
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.
Save money and reduce fraud losses at scale
Detect suspicious activity early to minimize chargebacks. Lithic’s detailed fraud metrics, 3DS identity verification, and full authorization context give you clear visibility into program health, while dispute management tools help you recover funds efficiently—protecting your bottom line while maintaining 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.
Smarter authentication with 3DS
Strengthen card‑not‑present transactions without slowing down legitimate cardholders with flexible authentication tools.
Adapt decisioning logic to your risk tolerance
Configure cardholder authentication and transaction authorization decisioning with ready-made rules, templates, or your own systems to achieve the right balance of security, flexibility, and ease.
Less to more configurability
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.
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.
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.
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.
Customize your
risk program management
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
Use Lithic’s powerful suite of tools and APIs to customize your risk management program.
Lithic-managed service
Partner with Lithic’s risk experts to monitor fraud trends, configure rules, and proactively review performance with your team.
“
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.”
Launch and scale your card program with Lithic
