Transparent pricing, zero surprises.
Flexible payment pricing built around your industry, volume, and business model — with clear options before you commit.
.png)
Standard card processing rates
Interchange-plus pricing — you see exactly what goes to the card network and what Lumino earns.
.png)
Standard pricing
vs. dual pricing
Side-by-side so you can see the difference — and decide which model fits your business.
Flat rate
You absorb the processing cost on every transaction. Works well for businesses with high AOV or where dual pricing isn't preferred.
Dual pricing
Pass the processing fee to card-paying customers transparently — while offering a discount for bank transfer. Fully compliant, live same day..
Hardware + software pricing
Everything you need to take payments in person — terminals, kiosks, and the software to run them.
Lumino Mobile Terminal
Handheld terminal for tableside, field, and on-the-go payments. 4G + WiFi, all-day battery.
- Chip, tap & swipe
- Receipt printing built-in
- $0 with qualifying volume
Shift4 Dine POS System
Full countertop POS with touchscreen, receipt printer, and cash drawer. Restaurant and retail ready.
- Menu & inventory management
- Employee management & tips
- Loyalty & rewards built in
Lumino 2.0 Software
Accept payments, send invoices, manage subscriptions, and keep customer billing connected across every channel.
- Payments, invoices & subscriptions
- Card-on-file and payment links
- Online, in-person & multi-location ready
Custom pricing for
high volume
Processing over $100k/mo?
Enterprise merchants, ISOs, and platforms with high volume get custom rate structures, dedicated account management, and priority onboarding. No published rate applies — we build it around your business.
Common pricing questions
See exactly what you'd save.
Send us your last processing statement and we'll show you a line-by-line comparison — no commitment, no sales pressure.