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We’re excited to announce the launch of Lithic Authorization Rules, the next evolution of Lithic-hosted authorization control. This new feature is designed to give card programs greater flexibility and control over transaction decision-making, allowing for more tailored fraud prevention and risk management without the need for extensive infrastructure. This powerful functionality is now available to all Lithic customers, at no additional cost.
Why Lithic Authorization Rules?
Managing authorization logic is critical for any business handling transactions. Until now, card programs looking for complex authorization logic had to build and maintain highly performant and available decisioning systems on their own infrastructure, leading to implementation hurdles and ongoing maintenance costs.
Lithic Authorization Rules change the game by enabling businesses to define sophisticated, multi-layered rules directly on Lithic’s infrastructure—streamlining operations while maintaining the ability to create advanced transaction logic.
Whether you’re managing a complex card program or just need additional controls for spending, Lithic Authorization Rules allow you to set customizable rules at the program, account, or card level, ensuring that you can protect your program with ease.
Key Features of Lithic Authorization Rules
With Lithic Authorization Rules, businesses can:
- Create Complex, Multi-Layered Rules: Define authorization logic using high-signal attributes such as MCC, transaction amount, country, currency, network risk score, merchant descriptor matching, and more. This granular control means you can block or allow transactions based on your program’s specific needs and risk profile.
- Run Rules in Shadow Mode: Test rules before activating them with shadow mode, which lets you observe how the rule would impact live transactions without affecting the authorization stream.
- Spend Velocity Limits: Set velocity limits on transaction volume or spend amount across a defined calendar period (e.g., daily, monthly) or custom rolling window. These controls are perfect for managing fraud or enforcing spending policies.
- Precise Performance Insights: Generate detailed performance reports to track how active or shadow mode draft rules impact approval rates and transaction declines, allowing for ongoing optimization of your authorization logic.
Simplifying Authorization Control for Your Program
Lithic Authorization Rules are designed to offer a quick-to-implement, easy-to-maintain solution for managing transaction authorization. With customizable rules that can be applied at various levels (program, account, or card), card programs gain advanced control over fraud prevention and spending limits, all while benefiting from the flexibility and scalability of Lithic’s infrastructure. Updating or modifying rules is straightforward, allowing businesses to adapt quickly to changing needs without extensive overhead.
For businesses seeking ultimate control over every aspect of their transaction decisioning, Authorization Stream Access (ASA) remains the gold standard, enabling real-time, programmatic decision-making based on proprietary data. However, even for ASA customers, Lithic Authorization Rules can be used in conjunction to manage standard rule sets, handle routine decisions, and reduce the load on ASA infrastructure. This combination gives businesses the best of both worlds—streamlined rule management for common cases and full customization through ASA when needed.
Get Started with Lithic Authorization Rules
Lithic Authorization Rules are now available to all Lithic customers. Ready to learn more? Explore our documentation or contact us to find out how Lithic Authorization Rules can elevate your card program’s authorization control and help you manage risk with precision.