Risk Management

3D-Secure (3DS)

By using Lithic’s 3DS Decisioning tools to intelligently authenticate transactions, card programs can increase purchase authorization rates without taking on unnecessary fraud-liability risk. Benefit from new data on cardholders, their devices, and buying patterns powered by smarter identity authentication.

Tokenization Control

Manage and manipulate tokenized card information with unprecedented precision. Create, revoke, and customize tokens on demand, gaining full control over how and when tokenized data is used.

Transaction Monitoring

Effortlessly track and analyze transactional activity to detect suspicious patterns, anomalies, and potential fraud. Utilize our algorithms that continuously monitor transaction data, flagging any deviations from normal behavior and triggering alerts for further investigation.

PCI Compliance

Use Lithic’s tools to access necessary cardholder information without falling under the PCI scope. With an embedded iframe solution as well as a JSON workflow, we have what you need to launch and scale.

Chargeback Management

Seamlessly file and manage chargebacks at scale with Lithic’s API or Dashboard. Utilize our API to initiate, get information on, and withdraw disputes. With Lithic’s dedicated chargeback fighting team and industry-leading chargeback win rates, you’ll save time and money.

Why do companies choose Lithic for Risk Management?

Automated Balance Tracking

A system of record for balances and transactions, designed to be paired with Lithic Gateway for card issuing and processing.

Instant Account Opening

Programmatically create accounts for your clients directly on Lithic's Core. Create multiple virtual or routable accounts for a single client to simplify reconciliation.

Direct ACH Network Integration

Initiate ACH originations via API and Lithic will upload ACH files directly to the ACH network six times a day, taking advantage of all Fed windows to optimize your funds flow.

Bank Partner Visibility

Enable your bank partner to view and monitor your activity through Lithic's Bank portal and reporting.

Read Our Expert Guides

Fintech Guide to Bank Identification Numbers (BINs)

When you’re building a card program, one of the first major sets of decisions you’ll make is around Bank Identification Number (BIN) sponsorship.

Fintech Guide to Bank Partners and Sponsors

Bank partnerships are a critical part of most US fintech offerings. In this guide, we'll help you navigate the process of selecting a sponsor bank partner for your fintech.

What is Interchange? How Fintechs Earn Interchange Revenue from Credit and Debit Cards

Interchange is a major revenue driver for many fintechs. Companies that offer card products are growing revenue rapidly and securing massive valuations, such as Brex ($12.3B valuation) and Ramp ($8.1B valuation). Much of that revenue growth is due to interchange.

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A True System of Record for Accounts & Payments