Lithic vs Wallester White Label

Lithic is an issuer processing platform for businesses building card programs, moving money, and managing program operations. It supports debit, prepaid, charge, and revolving credit programs with physical, virtual, and tokenized cards. Authorization rules can restrict spending by merchant category, amount, transaction velocity, time of day, and other criteria. Lithic connects to Visa, Mastercard, and American Express through one processing integration, and provides ACH transfers, virtual and routable accounts, Federal Reserve connectivity, and ledger-based reconciliation. Identity and fraud tools include KYC/KYB workflows, 3DS authentication, shadow mode, backtesting, and client decisioning through Authorization Stream Access. Program services can include sponsor-bank operations, network onboarding, regulatory compliance, card fulfillment, reporting, and 24/7/365 cardholder support across chat, email, phone, and IVR. The platform is available through API and web. Each account includes a free Sandbox API key for development and testing; production access requires an account enabled for that environment. Pricing is by custom quote, based on transaction volume and required features.

Wallester White-Label provides branded accounts, cards, and payments through a mobile app, back-office portal, API, and regulated infrastructure. Businesses can set up debit, prepaid, or credit card programs for consumer, business, or corporate use. The portal manages cards, users, balances, limits, spending rules, approval flows, and program activity. Accounts and cards support EUR, GBP, PLN, SEK, NOK, DKK, CZK, HUF, RON, and USD, with global payments. Its REST API connects card programs, controls, and payment workflows; the branded app supports Apple Pay and Google Pay using tokenized credentials. Programs can use Wallester’s issuer and scheme framework, with dedicated BIN setup available where needed. The platform includes KYC/KYB, AML, fraud monitoring, and payment processing. Wallester states that it is a Visa Principal Member, an Authorized Payment Institution licensed by Estonia’s Finantsinspektsioon, and PCI DSS Level 1 certified for payment data. The service is presented for the EEA and UK. Listed monthly prices are 2495.00 EUR, 3995.00 EUR, and 5995.00 EUR, depending on institution type.