Stop Overpaying for Credit Card Processing
Flat monthly pricing, free POS equipment, and next-day funding.
Switch in days — not weeks.
Solutions
Solutions Built for How Your Business Operates
Credit Card Processing
Reliable processing solutions designed to reduce friction, improve cash flow, and support how your business sells.
Point-of-Sale Systems
Purpose-built POS systems for restaurants, retail, and service businesses that need more control at checkout.
Online & eCommerce Payments
Seamless online payment tools for ecommerce, digital offers, and service-based businesses that sell beyond the counter.
Mobile & Contactless Payments
Fast, flexible payment options for businesses that need to accept cards anywhere customers are ready to pay.
Invoicing & Payment Links
Get paid faster with simple invoicing, payment links, and billing tools built for modern service businesses.
Buy Now, Pay Later
Offer flexible financing at checkout to help customers buy now and increase completed sales.
8000+ App Integrations
Platform Differentiation
Replace Fragmented Tools with One Unified System
Growth Engine
Powerful Payment Solutions for Every Channel
In-Person Payments & POS: run your business with a modern POS
Reduce wait times with QR code ordering & pay at the table. Let guests browse, order, and pay directly from their phones — freeing up staff and turning tables faster during peak hours.
Online Payments: secure website integrations and gateways with seamless checkout
Take online, curbside & delivery orders on your site — no commission. Own your customer relationships, control the experience, and keep more revenue in-house without relying on costly marketplaces.
Mobile & Contactless: take payments anywhere
Manage labor, inventory, marketing, and reservations from one dashboard. Get real-time insights into performance, staffing, and sales to make smarter operational decisions every day.
Advanced Payment Solutions: go beyond basic payment processing, protection against fraud and chargebacks
Turn guests into repeat customers with built-in rewards and SMS/email campaigns. Capture customer data automatically and launch targeted promotions that drive repeat visits and higher lifetime value.
Core functionality at a glance
Payments Designed for Growth
Fast Onboarding
Get up and running in days with
streamlined setup
Stress-free Payouts
Same-or next-day payouts, clear pricing,
zero surprises
Dedicated Support
24/7 servicefrom real humans for
merchants and partners
How Lumino compares to competitors
A Better Alternative to Traditional Payment Providers
Lumino
Traditional Providers
Unified platform
Multiple payment types
Transparent pricing
Dedicated support
Custom solutions
Switch with Confidence — No Surprises. No Runaround.
Transparent pricing, next-day payouts, dedicated support team, etc.