Platform

Payments, rewards 
& commerce infrastructure

One platform to process, orchestrate, and grow — online, in-store, and everywhere in between.

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Unique Features

The capabilities that matter most

Dual pricing

Stop paying processing fees on every transaction

The most adopted model for merchants who want to pass processing costs to customers in a transparent, regulation-compliant way. No surprises, no pushback.

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Orchestration

Intelligent routing across processors

Maximize approval rates and minimize costs with dynamic routing. No code, no friction. Every transaction goes to the optimal processor in real time.

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Solutions

Find your use case

Each vertical has its own pain points. These solutions are built to address them directly.

Payment links

Send a payment link in seconds, no integration needed.

Invoices

Send, track, and collect — with card, ACH, or installment options built in.

Rewards

A loyalty program that lives inside checkout, not a separate app.

Subscriptions

Set it once. Collect recurring revenue automatically, forever.

Global impact

Accept payments from anywhere, a percentage of each transaction supports global causes.

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Compliance & security

Built to scale with confidence

$0M+

processed on the network

0k+

active merchants

0%

average fee reduction with dual pricing
By industry

Solutions built for your vertical

Every industry has its own pain points. Find yours.

Coaches & course creators

Coaches & course creators

BNPL
Payment links
Subscriptions
Restaurants & hospitality

Restaurants & hospitality

POS
Dual pricing
Loyalty
Agencies & consultants

Agencies & consultants

High-ticket
Retainers
Recurring billing
E-commerce

E-commerce

Shopify
VAMP
Multi-MID
Home services

Home services

Card-on-file
Invoicing
Field payments
Saas & platforms

Saas & platforms

Embedded payments
Partner-led
Let's build together

Ready to get started?

Talk to a specialist or explore the platform on your own.

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See How Lumino Works