Lumino

Lumino is a payments and commerce platform that brings online payments, in-store point-of-sale, invoicing, subscriptions, rewards, and transaction routing into a single system. It addresses the fragmentation that arises when merchants rely on separate providers for payments, reporting, payouts, and support, offering unified reporting and visibility across channels.

The platform includes checkout, payment links, invoicing, subscriptions, and card-on-file, alongside dual pricing, BNPL installments, and a rewards program that supports exchange to crypto, USDC, fiat, gift cards, or charitable donation. In-store capabilities cover terminals, kiosks, and POS systems. Intelligent routing dynamically selects processors to balance approval rates and cost. Risk tools include real-time VAMP monitoring, chargeback alerts, and fraud prevention, with reporting for MID tracking, deposits, residuals, and batches. Integrations connect Shopify, WooCommerce, QuickBooks, and additional commerce and finance tools. Security practices include encryption, role-based access, monitoring, and partner-supported PCI DSS Level 1 and SOC 2 Type II controls.

Lumino serves restaurants, e-commerce brands, coaches and digital businesses, retail, and partner organizations such as ISOs and platforms. Pricing is offered on a per-transaction basis with a flat rate or dual pricing model, plus POS hardware and software options; high-volume merchants, ISOs, and platforms can request custom enterprise terms.