Program Management

Whether you’re launching a new card program or expanding an existing one, Lithic’s expert team and tooling give you the flexibility, peace of mind, and power to scale.
Adapt your level of management as your needs evolve. With Lithic, you can easily change whether you own or outsource components like fraud, disputes, or customer support to fit your resources and goals.
Accelerate launches and reduce manual lift. Lithic handles everything from bank setup to reconciliation and reporting, freeing your team to focus on building products, not managing operations.
Launch and scale without second-guessing compliance or network obligations. Lithic manages your bank and network relationships so every program decision is backed by trusted oversight.
Accelerate your speed to market. Lithic handles your integration and onboarding with one of our trusted partner sponsor banks to ensure secure, compliant, and reliable program execution.
Simplify BIN sponsorship. We manage BIN setup, account administration, and ongoing maintenance with your sponsor bank.
Streamline settlement and reporting. Get accurate reconciliation, accounting, and reporting without manual oversight.
Stay compliant at every step. Benefit from continuous testing, audit readiness, and remediation across your program.
Rely on proven compliance frameworks. We administer policies and procedures like AML/BSA and regulatory compliance to meet bank and network standards.
Our direct connections with Visa, Mastercard, and Amex ensure seamless coordination with the major networks to keep your network setup, reporting, and integrations up to date.
Accelerate network onboarding. Lithic handles all network paperwork, billing, and ongoing project management.
Tap into network-native innovations. Get faster access to new network features like Account Level Management and Flex Credential to optimize costs and deliver new payment experiences.
Maintain processing integrity. We monitor network rule compliance and processing quality to minimize disruptions.
Enable secure authentication. Configure and manage 3DS setup through Lithic’s direct network connections.
Our in-house compliance experts handle day-to-day monitoring and regulatory coordination so that your program is fully aligned with bank, network, and legal standards.
Reduce regulatory burden. Lithic manages AML, KYC/KYB, OFAC, and ongoing risk monitoring.
Gain always-on oversight. We deliver continuous compliance monitoring, remediation, and audit reporting.
Trust expert due diligence. Our team conducts legal and regulatory reviews so you can launch with confidence.
Simplify marketing reviews. We handle marketing compliance approvals and coordination with sponsor banks.
Lithic coordinates card manufacturing, personalization, and network approvals with our preferred vendors and digital wallet providers to set you up to launch with confidence across physical and digital channels.
Launch physical cards seamlessly. We manage chip profiling, personalization, printing, and fulfillment.
Streamline design approvals. Our team handles card art submissions, design reviews, and network waiver management.
Expand into digital wallets. Enable Apple Pay, Google Pay, and Samsung Pay with complete program oversight.
Unify provisioning workflows. Manage in-app, web, and manual push provisioning projects through a single partner.
Every business has a unique business model. You can start with Program Management and add individual Program Services as your needs evolve, or use Program Services standalone.
Add Program Services
Requires using Lithic’s ledger.
Required for clients using Lithic Program Management.
Requires using Lithic’s ledger.
Lithic Program Management covers the foundational elements of a compliant, bank-sponsored card program—handling your bank and network relationships, regulatory oversight, and operational reporting—so you don’t have to coordinate between multiple vendors.
Program Management provides the core regulatory and operational framework. Program Services are valuable add-ons—like fraud, disputes, or customer support—that you can activate to match your team’s resources and risk appetite.
Yes. While Lithic handles all Program Management operations for you, you can decide what Program Services to own and what to outsource to Lithic.
Lithic partners with leading sponsor banks and maintains direct integrations with major card networks to ensure fast onboarding and reliable performance. Specific partnerships can be shared during engagement.
Launch timelines vary by product type and partner bank, but Lithic’s established relationships and streamlined onboarding typically enable much faster setup than traditional paths.
Yes. As your program scales, you can easily add or remove Lithic Program Services—keeping your operations efficient without rebuilding your infrastructure.