Processing

Access direct network connections for unparalleled speed and control

Robust and reliable connections with Visa, Mastercard, and Amex give you the speed, insights, and confidence you need to deliver an unbeatable experience to your cardholders.

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Make every transaction count

The Lithic core processing stack eliminates external dependencies, exposes more transaction-level detail, and helps your team move faster.

Trust in unshakable reliability

Even if the internet went offline, your programs would continue seamlessly processing swipes. Lithic connects your card program directly to network core systems—not over public VPNs. Our private network links and redundancy strategies ensure 99.99% uptime with no scheduled downtime.

Get high-fidelity payments data

Make smarter authorization decisions with expanded context for fraud-resilient programs. Lithic’s direct network connections provide you access to complete, unmodified canonical transaction data, unlike gateway processors.

Always stay ahead of the curve

Release new features faster, without navigating under-the-hood system changes on your own. Lithic takes the lead on managing complex, continuously evolving network requirements and capability updates, so you can confidently focus on providing your cardholders with a best-in-class experience.

Everything you need to build what you want

Direct to network. No middlemen.

Full control.

Connect directly to the Visa, Mastercard, and Amex networks. With no third-party intermediaries or legacy gateways, you get lower latency, greater resilience, and deeper access to drive peak program performance.

Direct to network. No middlemen. Full control.

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

Save you and your cardholders’ money. Operating “closer to the metal” reduces fraud and false declines, by minimizing points of failure and allowing you enforce more accurate, real-time authorization logic.

Capture more robust transaction data. Access enhanced Level 2 and Level 3 data for commercial programs—including tax, invoice, and line-item details unavailable through gateway-based providers.

Seamless multi-network support

Access all major card networks through a single integration and without managing separate network connections, rules, or message formats.

Seamless multi-network support

Integrate once, launch anywhere. Whether you’re expanding internationally or supporting different BIN sponsors, our unified processing stack lets you work with multiple networks without rebuilding your backend.

Canonicalized messages via one JSON webhook. We normalize ISO 8583 messages across networks and deliver consistent, reliable webhooks so your systems only need to support one format.

Faster launches, lower maintenance. Skip the custom logic, reporting differences, and one-off integrations other processors require. We’ve already done the heavy lifting, so you can launch faster and scale with less effort.

Richer data at no extra cost

We group and normalize payment events behind the scenes—saving you time, reducing reconciliation effort, and keeping your records clean.

Richer data at no extra cost

One transaction ID, every related event. We link authorizations, clearings, reversals, and returns under a single transaction identifier so you can easily track and reconcile each payment from start to finish.

Built-in reconciliation logic. With transaction grouping, Lithic ensures your ledgers and account balances stay in sync, even if you don’t use us as your system of record.

More than a “dumb switch.” Unlike gateways that simply pass through unstructured messages, we embed real processing logic into our infrastructure at no extra cost.

Full approval autonomy

You define the logic. We execute it instantly. Our processing stack puts you in complete control of authorization decisions and provides tools to enforce your policies at any scale.

Full approval autonomy

Create flexible decisioning logic. Customizable Auth Rules let you approve, decline, or challenge transactions based on merchant, MCC, amount, time of day, user status, or custom metadata.

Add smart step-up authentication with 3DS. Trigger 3D Secure only when needed, with built-in support and customizable routing to minimize friction.

Stay in the driver's seat with ASA. Our Authorization Stream Access feature lets your backend system make the final call on a transaction in real time, leveraging your own proprietary data and rules.

Faster, to-the-penny reconciliation

We give you the tools to match every transaction to settlement down to the cent across currencies, networks, and transaction types. No spreadsheets. No guesswork.

Faster, to-the-penny reconciliation

Get real-time visibility into every money movement. Our Settlement API reports on authorizations, settlements, and adjustments as they happen—not hours or days later.

Settle in stablecoins to reduce float and free up capital. We support settlement in stablecoins like USDC, allowing you to settle any day of the week and reducing the need for multi-day reserve buffers.

Track global spend with multi-currency settlement reporting. Monitor FX impacts and like-to-like settlement flows across supported currencies—all through a single, normalized interface.

99.99% uptime. No scheduled downtime.

We built our infrastructure for maximum reliability, so your cardholders stay online, your team stays in control, and nothing gets in the way of scaling.

99.99% uptime. No scheduled downtime.

Stay online with modular, resilient systems. Our geographically redundant infrastructure is designed to keep your program running without interruption.

Monitor every transaction in real time. We give you full visibility into the lifecycle of each transaction so you can track, investigate, and resolve issues quickly.

Save time and your peace of mind. We automatically detect and proactively manage timeouts, retries, and downstream errors—so your team doesn’t have to.