Lumino provides a unified platform that combines online payments, in‑store point‑of‑sale, invoicing, subscriptions, rewards, and smart routing, allowing businesses to manage their entire payments stack from a single system. By consolidating these functions, it eliminates the need for multiple providers, reduces hidden fees, and streamlines reporting and payouts, helping coaches, e‑commerce brands, restaurants, and retailers scale with confidence.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses often rely on separate providers for online payments, in‑store transactions, invoicing, subscriptions, and reporting, which creates fragmented workflows, hidden fees, and time‑consuming reconciliation.
Solution
Lumino offers a unified payments platform that consolidates all transaction channels, invoicing, subscription billing, rewards, and smart routing into a single system. By centralizing payments, capital management, and customer activity, the platform eliminates the need to juggle multiple vendors and provides transparent fee visibility. Intelligent routing optimizes approval rates and cost across channels, while built‑in tools for dual pricing, BNPL, and rewards support modern merchant economics. The integrated dashboard delivers real‑time reporting and streamlined payouts, enabling merchants to focus on growth rather than infrastructure.
Target Audience
Primary customers are coaches, e‑commerce brands, restaurants, and retailers that need a single, scalable solution to manage their complete payments stack.
Features
- Consolidated interface for online, in‑store, invoicing, and subscription payments
- Smart transaction routing that selects the optimal processor based on cost and approval likelihood
- Built‑in dual‑pricing, buy‑now‑pay‑later, and rewards program management
- Real‑time unified reporting and analytics across all payment channels
- Automated payout and settlement handling with transparent fee breakdowns
- API and SDK support for seamless integration with existing POS and e‑commerce systems