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APIs · head to head

Fintech Farm vs Lithic

Fintech Farm logo

Fintech Farm

APIs

"Neobank in a box" for banks in emerging markets, paid on a performance basis

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: Fintech Farm the performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.; 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: Fintech Farm covers End-to-end neobank stack, Lithic covers Direct network connections.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fintech Farm and Lithic actually diverge.

Attributes where Fintech Farm and Lithic differ
AttributeFintech FarmLithic
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 Fintech Farm

  • End-to-end neobank stack
  • Credit scoring engines
  • Debit, credit and BNPL products
  • Investment features
  • Performance-based partnership
  • Emerging market focus

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.

Fintech Farm

  • A mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in housenot Lithic
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Lithic
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Lithic
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot Lithic

Lithic

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

Where each one falls short

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

Fintech Farm

  • The performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.
  • It requires the partner bank to already hold a banking licence and balance sheet, so it is not usable by a company wanting to launch banking services without any existing regulatory status.
  • Focus on emerging markets means less proven track record in developed, heavily regulated markets such as the US or Western Europe.
  • As a smaller, founder-led company relative to Mambu or Temenos, its longevity and ability to support partner banks over a decade-plus relationship carries more vendor-risk uncertainty.
  • Being compensated on customer and revenue growth creates a natural incentive to prioritise growth-driving features over, for example, deep compliance tooling that does not directly move those metrics.

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

Fintech Farm

On request
  • Fintech Farm$undefined/year
    • Performance-based compensation tied to customer numbers and revenue generated
    • No published flat licence fee

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 Fintech Farm if

  • You need end-to-end neobank stack.
  • You work on Web, iOS, Android.
  • You also want credit scoring engines.
Fintech Farm 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 Fintech Farm or Lithic better?
Neither clearly leads. Fintech Farm 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, Fintech Farm or Lithic?
Fintech Farm starts at On request and Lithic at On request.
Does Fintech Farm or Lithic run on more platforms?
Fintech Farm runs on Web, iOS, Android. Lithic runs on Web, API.
What is Fintech Farm best used for?
Fintech Farm is most often used for a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house, a bank wanting a partner compensated on growth outcomes rather than a fixed software licence, an institution needing credit scoring built specifically for thin-file, underbanked emerging market customers, a bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratch. Of those, a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house and a bank wanting a partner compensated on growth outcomes rather than a fixed software licence are not what Lithic is typically brought in for.
What can Fintech Farm do that Lithic cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Lithic covers Direct network connections, Processor Client mode, Lithic Program Management, Card lifecycle APIs.

Answered from the vendors’ own pages

Fintech Farm: How is Fintech Farm paid?

On a performance basis, tied to the number of customers and revenue its neobank product generates for the partner bank, rather than a flat licence fee.

Lithic: Does Lithic publish pricing?

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

Fintech Farm: Does the bank need its own licence?

Yes, Fintech Farm partners with banks that already hold a banking licence and balance sheet; it does not provide the licence itself.

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.

Fintech Farm: Which markets does it focus on?

Emerging markets, including operations across regions such as Vietnam, Nigeria and increasingly India.

Lithic: Which networks does it connect to?

Visa, Mastercard and American Express directly.

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