Solutions
Processing, point-of-sale (POS) systems, invoicing and software-connected payments. Every solution comes with a named Lumina agent and a custom quote built around your business.
Built and run by Lumina.
Lumina product
Core payment processing for in-person, mobile, virtual terminal and online payments.
Best for: Any business that takes cards in person, on the go, over the phone or online.
Explore Lumina Pay →
Lumina product
Invoicing and payments that sync both ways with QuickBooks Online. No hardware needed.
Best for: Trades, contractors, service companies and invoice-based businesses.
Explore Lumina Connect →
Proven hardware and platforms, deployed and supported by Lumina.
Partner hardware and platform
Payment terminals plus DejaPay Pro cloud POS, deployed and supported end to end by Lumina.
Best for: Food service and retail: pizza shops, delis, bars, cafés and food trucks.
Explore Dejavoo →
Partner platform
Clover payments and business tools, with Lumina support and fee-reduction options.
Best for: Retail, restaurants, service businesses and eCommerce.
Explore Clover →
Industry-specific POS and software-connected payments.
Featured POS
A complete store POS bundle, configured and connectivity-tested before it ships.
Best for: Convenience stores, bodegas and small-format retail.
Explore Bodega AI →
Featured POS
A full quick-service setup, from counter station to pay-at-table and kitchen display.
Best for: Quick-service restaurants and counter-service food.
Explore PAYS POS →
Co-branded partner
Cloud and iOS POS for full-service restaurants, with Lumina processing, underwriting and support.
Best for: Full-service restaurants, bars, caterers and multi-location operators.
Explore Lumina + Katalyst →
Integration and vertical software
Take payments inside the software you already use, via browser extension or specialist vertical platforms.
Best for: Businesses whose day-to-day software has built-in payments.
Explore Open Payments →
Also available
We also offer these solutions. Your agent will tell you if one is a better match for your business.
Hospitality POS
A hospitality platform for busy bars and restaurants, designed by industry operators.
Ask about Union POS →Venue POS
For venues where guests move from table to bar to online ordering, and their tabs move with them.
Ask about On the Fly POS →eCommerce gateway
A payment gateway for accepting cards and electronic payments online.
Ask about NMI →Lumina product
Payroll from Lumina, so paying your team sits alongside getting paid. Ask your agent for details.
Ask about Lumina Payroll →Plain English
Processing comes with jargon. Here's what the most common terms mean, so you can compare offers with confidence.
The fee card networks set for each card payment, paid to the bank that issued the customer's card. It's usually the largest part of what processing costs.
Extra details sent with a business-to-business card payment, like tax amounts, order numbers and line items. Including it can qualify those payments for lower interchange.
When a customer disputes a charge with their bank and the money is pulled back while the dispute is reviewed. Good records and a quick response help you win it back.
Two ways of showing a cash price and a card price, so card customers cover the cost of card acceptance. Card-brand rules and state laws apply, and your agent helps you set it up correctly.
A secure screen in your web browser for keying in a card payment, for example when a customer pays over the phone.
The service that securely passes card payments from your website or app to the processor.
The review a processor completes before opening a merchant account, so payments can start flowing safely.
Money from a day's card sales is deposited into your bank account the following day.
Next step
No public price lists and no one-size-fits-all plans. Tell us how you sell, and a named local agent builds a quote around it.
Get a Custom Quote →Independent agents and partners have their own path. Learn what it's like to sell with Lumina.
Join Us →