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APIs · head to head

Flybits vs Lithic

Flybits logo

Flybits

APIs

Contextual personalisation and decisioning platform for financial institutions

From
On request
Rated
-
Full reviewWebsite
Lithic logo

Lithic

APIs

API-first card issuing platform with direct Visa, Mastercard and Amex network connections

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.; Lithic pricing is entirely undisclosed, so a company cannot compare total cost against Marqeta, Galileo or Highnote without a sales conversation.
  • They diverge on capability: Flybits covers Contextual decisioning engine, Lithic covers Direct network connections.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Flybits and Lithic actually diverge.

Attributes where Flybits and Lithic differ
AttributeFlybitsLithic
PlatformsWeb, iOS, AndroidWeb, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Flybits

  • Contextual decisioning engine
  • Non-technical configuration
  • Agentic Banking capability
  • Customer data unification
  • Card-linked offers
  • Real-time insight delivery

Only in Lithic

  • Direct network connections
  • Processor Client mode
  • Lithic Program Management
  • Card lifecycle APIs
  • Sandbox environment
  • Real-time authorization controls

What people use each for

The jobs each tool is most often brought in to do.

Flybits

  • A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot Lithic
  • A product team wanting to configure personalisation rules without needing engineering support for every changenot Lithic
  • A bank wanting card-linked contextual offers tied to transaction datanot Lithic
  • A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot Lithic

Lithic

  • A fintech wanting direct Visa or Mastercard network access rather than routing through a third-party processornot Flybits
  • A company that already holds its own issuing licence and wants API access without full programme managementnot Flybits
  • A neobank or expense platform wanting Lithic to manage bank and network relationships end to endnot Flybits
  • A product team prototyping a card programme in sandbox before committing to a launchnot Flybits

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Flybits

  • Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
  • The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
  • Pricing is not published, requiring a licensing negotiation per institution.
  • As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
  • Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.

Lithic

  • Pricing is entirely undisclosed, so a company cannot compare total cost against Marqeta, Galileo or Highnote without a sales conversation.
  • Choosing Processor Client mode still leaves the company responsible for holding its own issuing licence and managing the regulatory relationship, which is a substantial undertaking many teams underestimate.
  • As with any card infrastructure provider, an outage or network issue at Lithic becomes a direct outage for every card programme built on it, and a customer has limited visibility into root cause during an incident.
  • Building a card programme on API infrastructure requires real engineering investment; it is not a plug-and-play product for a non-technical team.
  • Switching card infrastructure providers after launch is a major undertaking involving card reissuance and programme migration, so the initial choice carries lasting lock-in.

Pricing, plan by plan

Flybits

On request
  • Flybits$undefined/year
    • Pricing not published, licensed per financial institution deployment

Lithic

On request
  • Lithic$undefined/year
    • Volume and interchange-based pricing, not published
    • Separate Processor Client and Program Management pricing tracks
    • Custom quote required via sales

Which should you pick?

Choose Flybits if

  • You need contextual decisioning engine.
  • You work on Web, iOS, Android.
  • You also want non-technical configuration.
Flybits review

Choose Lithic if

  • You need direct network connections.
  • You work on Web, API.
  • You also want processor client mode.
Lithic review

Questions people ask

Is Flybits or Lithic better?
Neither clearly leads. Flybits starts at On request and Lithic at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Flybits or Lithic?
Flybits starts at On request and Lithic at On request.
Does Flybits or Lithic run on more platforms?
Flybits runs on Web, iOS, Android. Lithic runs on Web, API.
What is Flybits best used for?
Flybits is most often used for a bank wanting to move from generic segment-based marketing to individually contextual offers and messages, a product team wanting to configure personalisation rules without needing engineering support for every change, a bank wanting card-linked contextual offers tied to transaction data, a financial institution exploring an agentic ai interaction layer across cards, loans and deposits. Of those, a bank wanting to move from generic segment-based marketing to individually contextual offers and messages and a product team wanting to configure personalisation rules without needing engineering support for every change are not what Lithic is typically brought in for.
What can Flybits do that Lithic cannot?
Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification. Lithic covers Direct network connections, Processor Client mode, Lithic Program Management, Card lifecycle APIs.

Answered from the vendors’ own pages

Flybits: Does Flybits require engineering support to run campaigns?

No, it is designed so marketing and product teams can configure personalisation rules directly.

Lithic: Does Lithic publish pricing?

No, pricing is volume-based and requires a sales conversation.

Flybits: What is Agentic Banking?

A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.

Lithic: What is the difference between Processor Client and Program Management?

Processor Client suits companies with their own issuing licence and bank relationships; Program Management is for companies wanting Lithic to coordinate those relationships on their behalf.

Flybits: Is pricing published?

No, it is licensed per financial institution and requires a quote.

Lithic: Which networks does it connect to?

Visa, Mastercard and American Express directly.

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