Need Help Now?
Call us 1-866-488-4168
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Need Help Now?
Call us 1-866-488-4168
Wait Time: 0 Minutes
Need Help Now?
Call us 1-866-488-4168
The Merchant OS for the Modern Business
The Merchant OS for the Modern Business
Zero-Fee Credit Card Processing
Zero-Fee Credit Card Processing
+ Tools to Power Your Growth
+ Tools to Power Your Growth
Stop paying fees and start building with Lumino 2.0—your all-in-one platform for payments, rewards, invoicing, and fraud protection. Coming soon.
Stop paying fees and start building with Lumino 2.0—your all-in-one platform for payments, rewards, invoicing, and fraud protection. Coming soon.
How it works
How it works
Your
Your
Your
Growth
Growth
Growth
Partner
Partner
Partner
Lumino isn’t just a processor—we’re your Merchant OS. Whether you’re in-store, online, or on the move, our platform helps you process smarter, grow faster, and keep more of what you earn.
Lumino isn’t just a processor—we’re your Merchant OS. Whether you’re in-store, online, or on the move, our platform helps you process smarter, grow faster, and keep more of what you earn.
Lumino isn’t just a processor—we’re your Merchant OS. Whether you’re in-store, online, or on the move, our platform helps you process smarter, grow faster, and keep more of what you earn.
Zero-Fee Processing
Zero-Fee Processing
Same-Day and Next-Day Funding
Same-Day and Next-Day Funding
Rewards & Loyalty Built-In
Rewards & Loyalty Built-In
VAMP Dispute + Chargeback Protection
VAMP + Chargeback Protection
Invoicing, Recurring Billing & ACH
How Lumino Helps
Experience
Experience
Experience
Security and Reliability
Security and Reliability
Security and Reliability
Operate your business worry-free from account shutdowns and frozen funds. Simply put, Lumino is the better option for high-risk merchants.
Next Day Payouts
Next Day Payouts
Cash in your account faster with same-day or next-day funding.
White Glove Support
White Glove Support
24/7 dedicated service for merchants and partners.
Frictionless Onboarding
Frictionless Onboarding
Tailored setup for your business—get live in today, not weeks.
Tailored setup for your business—get live today, not weeks.
Tailored setup for your business—get live today, not weeks.
Unique Selling Points
Modern
Modern
Exceptional
Merchant Operating System
Merchant Operating System
Merchant OS
Tools designed to protect, streamline, and elevate every part of your business.
Guaranteed Fund Security
Guaranteed Fund Security
Guaranteed Fund Security
Your revenue is always protected with Lumino’s secure rails and guaranteed funding.
Fast and Easy Setup
Fast and Easy Setup
Fast and Easy Setup
Go live in days, not weeks—Lumino’s onboarding is built to get you selling faster.
Seamless Integrations
Seamless Shopping
Cart Integrations
Seamless Integrations
Seamless Integrations
Connect effortlessly with your favorite POS, accounting, and e-commerce tools for one smooth workflow.
Effortlessly connect Lumino with your favorite tools and platforms for a harmonious experience.
Store Customer Subscription Data Securely
Store Customer
Subscription Data Securely
Store Customer
Subscription Data Securely
Enterprise-grade security keeps your customer and subscription data safe at all times.
Enterprise-grade security keeps your customer and subscription data safe at all times.
Enterprise-grade security keeps your customer and subscription data safe at all times.
Customizable Payment Links
Customizable Payment Links
Customizable Payment Links
Create branded, trackable payment links that make getting paid simple and professional.
Unique Selling Points
Unique Selling Points
Unique Selling Points
Industries
Industries
Industries
We Serve
We Serve
We Serve
Designed to optimize and elevate your business operations.
Testimonials
Hear from
Hear from
Hear from
Our Happy Clients
Our Happy Clients
Our Happy Clients
See what our clients are saying.
I just got Lumino and was approved in less than 1 week! The team showed me how to hook it up with GHL and now I’m ready to take payments. Let’s Gooooooooo!
Louis Solomon
CEO Limitless Lyfestyles
Love the dashboard and simple UI. Got approved super quickly and the onboarding process was seamless.
Jack Woodburn
CEO Rocket Dropship
You should always have a second payment processor because you never know if you’ll get shut down or your account restricted.
Clarissa Fioravanti
Co-Founder ATMA
I just got Lumino and was approved in less than 1 week! The team showed me how to hook it up with GHL and now I’m ready to take payments. Let’s Gooooooooo!
Louis Solomon
CEO Limitless Lyfestyles
Love the dashboard and simple UI. Got approved super quickly and the onboarding process was seamless.
Jack Woodburn
CEO Rocket Dropship
You should always have a second payment processor because you never know if you’ll get shut down or your account restricted.
Clarissa Fioravanti
Co-Founder ATMA
We ran an audit and Stripe was charging us almost 3.9% when taking cards over the phone and issuing an invoice. We had no idea… Glad we switched over to Lumino. The team has been great!
David Kang
Prosperity Trades
Felt like we were getting robbed by CardConnect. Our fees were through the roof. Lumino’s pricing makes more sense for our business and it was very easy to switch over.
Eugenio Blasio
CEO Houston Pro Maids
We ran an audit and Stripe was charging us almost 3.9% when taking cards over the phone and issuing an invoice. We had no idea… Glad we switched over to Lumino. The team has been great!
David Kang
Prosperity Trades
Felt like we were getting robbed by CardConnect. Our fees were through the roof. Lumino’s pricing makes more sense for our business and it was very easy to switch over.
Eugenio Blasio
CEO Houston Pro Maids
Pricing
Pricing
Pricing
Pricing
that
that
Works for You
That Works for You
Works for You
Keep 100% of your revenue with Lumino’s Dual Pricing program. Flat monthly pricing, no surprise fees, and free hardware upgrades—so you can grow without limits.
Keep 100% of your revenue with Lumino’s Dual Pricing program. Flat monthly pricing, no surprise fees, and free hardware upgrades—so you can grow without limits.
Keep 100% of your revenue with Lumino’s Dual Pricing program. Flat monthly pricing, no surprise fees, and free hardware upgrades—so you can grow without limits.
How it works
Rewards That Grow With You
VAMP Protection Included
Free Hardware & Upgrades
CONTACT US
Upgrade
Upgrade
Upgrade
Your Processing
Your Processing
Your Processing
Start your secure payment processing journey today.
FAQs
Frequently
Asked
Questions
Discover Lumino: Your Trusted Partner in Payment Processing.
What sets Lumino apart from other payment processors?
Can I trust Lumino to protect my funds and sensitive data?
How quickly can I get started with Lumino?
What if I encounter issues or need assistance?
How does Lumino handle unexpected disruptions or account issues?
FAQs
Frequently
Asked
Questions
Discover Lumino: Your Trusted Partner in Payment Processing.
What sets Lumino apart from other payment processors?
Can I trust Lumino to protect my funds and sensitive data?
How quickly can I get started with Lumino?
What if I encounter issues or need assistance?
How does Lumino handle unexpected disruptions or account issues?
FAQs
Frequently
Asked
Questions
Discover Lumino: Your Trusted Partner in Payment Processing.
What sets Lumino apart from other payment processors?
Can I trust Lumino to protect my funds and sensitive data?
How quickly can I get started with Lumino?
What if I encounter issues or need assistance?
How does Lumino handle unexpected disruptions or account issues?
Pricing
Book
Book
Book
Your
Your
Free Consultation
Your Free Consultation
Free Consultation
Get a custom demo and see how Lumino can save you thousands in processing fees, protect your business from disputes, and give you the tools to scale.
Get a custom demo and see how Lumino can save you thousands in processing fees, protect your business from disputes, and give you the tools to scale.
Get a custom demo and see how Lumino can save you thousands in processing fees, protect your business from disputes, and give you the tools to scale.
How it works
How it works
How it works