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Comparaison de plateformes
Lithic offers a strong US card issuing API with a free sandbox, but production is sales-led with underwriting and bank sponsorship. HeyQo provides an accessible partnership path for Caribbean and emerging-market fintechs.
Lithic is a popular choice for US startups building card programs. Production go-live requires partnership approval, negotiated terms, and program setup that can take months.
HeyQo combines card issuing with virtual USD accounts and customer onboarding in one API — with regional focus for Haiti, Caribbean islands, and African fintech corridors.
Teams evaluating Lithic for international or Caribbean users should compare regional eligibility, USD account coverage, and partner support models.
Side-by-side comparison on API access, white-label cards, USD accounts, sandbox, and regional support.
| Critères | HeyQo | Lithic |
|---|---|---|
| Public B2B / card issuing API for fintechs | Oui — partenariat ouvert Onboarding dédié pour fintechs et PSP | Commercial API cartes + sandbox ; production soumise à approbation partenaire |
| White-label Visa & Mastercard programs | Oui Issue cards under your brand via REST API | Limited or partner-only Often requires sales-led approval |
| Virtual USD accounts | Oui USD receiving accounts with webhooks | Varies Not always available for embed partners |
| Sandbox / developer access | Yes — on request Sandbox keys via merchant portal | Varies May require partnership before sandbox |
| Caribbean & emerging markets focus | Oui Built for Haiti, Caribbean & Africa fintechs | Often US/EU-centric Regional support varies — check provider docs |
| Délai d'intégration | Jours à semaines REST API + technical onboarding | Semaines à mois Souscription, parrainage bancaire et configuration du programme |
Both provide card issuing APIs. HeyQo adds virtual USD accounts and emphasizes onboarding for Caribbean and emerging-market fintech partners.
Get sandbox API keys from the HeyQo merchant portal and start building with our REST API.
Lancez votre programme cartes — Sandbox HeyQoDivulgation réglementaire
HeyQo est une plateforme de technologie financière qui collabore avec des institutions financières réglementées, des prestataires de services de paiement agréés, des émetteurs de cartes et des partenaires technologiques. HeyQo n’est pas une banque ni un prestataire de services de paiement agréé, sauf mention expresse pour un produit et une juridiction donnés. Certains services financiers disponibles via HeyQo sont fournis par des institutions tierces réglementées. L’institution responsable de chaque service est identifiée dans la documentation et les conditions produit applicables.
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