Luminous Payments
About Luminous Payments
A merchant services provider offering payment processing solutions for small and medium-sized businesses. Supports in-person, mobile, and online transactions with various pricing models, including cash discount and interchange-plus options.
Luminous Payments is a merchant services provider specializing in payment processing for small and medium-sized businesses across the United States. The company distinguishes itself by offering a variety of flexible pricing models, including a popular Cash Discount program designed to help merchants offset processing costs, as well as traditional interchange-plus and flat-rate options. Their solution set is hardware-heavy, featuring a wide array of terminals from Clover and other providers that support EMV, NFC, and mobile wallet transactions. Beyond basic processing, the platform includes value-added features like recurring billing, inventory management, and employee time tracking for retail and restaurant environments. While the company emphasizes transparency and personalized service through dedicated account executives, businesses should note that specific pricing is customized based on individual needs rather than being published as fixed tiers. Support is provided via phone and live chat, and the company maintains a resource center with documentation for their hardware and gateway integrations.
Pros & Cons
- Offers multiple pricing models to suit different business types and transaction volumes.
- Provides a wide selection of modern payment hardware including Clover and mobile readers.
- Includes value-added business tools like inventory management and employee time tracking.
- Dedicated account executives assist with selecting the optimal pricing and equipment configuration.
- Pricing is customized per merchant rather than published as standardized public plans.
- Hardware compatibility depends on the age and proprietary nature of existing equipment.
- Cash discount programs require specific signage and compliance measures at the point of sale.
Features
Key features
Allows merchants to offset processing fees by offering discounts to cash-paying customers.
Supports payments via EMV, NFC, mobile wallets, and online gateways.
Provides a range of terminals including Clover devices and mobile card readers.
Enables manual entry and batch processing for phone and mail orders.
Offers multiple models including interchange-plus, flat rate, and tiered options.
Additional features
Automates subscription and repeat payments for service-based businesses.
Tracks stock levels directly through integrated point-of-sale hardware.
Provides detailed transaction data and analytics for financial reconciliation.
Allows processing of transactions when internet connectivity is unavailable.
Facilitates contactless payment acceptance via generated codes.
Manages staff scheduling and hours within supported POS terminals.
Integrates customer rewards directly into the payment workflow.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About Luminous Payments
A merchant services provider offering payment processing solutions for small and medium-sized businesses. Supports in-person, mobile, and online transactions with various pricing models, including cash discount and interchange-plus options.
Luminous Payments Details
Luminous Payments's In-App Market Place
Does Luminous Payments have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
3
Mini Apps
1. Fraud Detection by Luminous Payments - A add-on that helps detect and prevent fraudulent transactions to protect your business and customers.
2. Subscription Billing by Luminous Payments - Allows you to easily set up subscription-based billing for your products or services.
3. Payment Gateway Integration by Luminous Payments - Integration with popular payment gateways to streamline payment processing for your business.
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), GBP (£), JPY (¥), AUD (A$), CAD (C$), CHF (Fr), CNY (¥), SEK (kr), NZD (NZ$), KRW (₩), SGD (S$), HKD (HK$), NOK (kr), MXN ($), INR (₹), RUB (₽), ZAR (R)
Pros & Cons
- Offers multiple pricing models to suit different business types and transaction volumes.
- Provides a wide selection of modern payment hardware including Clover and mobile readers.
- Includes value-added business tools like inventory management and employee time tracking.
- Dedicated account executives assist with selecting the optimal pricing and equipment configuration.
- Pricing is customized per merchant rather than published as standardized public plans.
- Hardware compatibility depends on the age and proprietary nature of existing equipment.
- Cash discount programs require specific signage and compliance measures at the point of sale.
Luminous Payments's Support Options
Luminous Payments's Alternatives
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Verifi Global Payment Gateway
Verifi Global Payment Gateway is a payment processing platform from Visa that provides secure transaction…
Vella
Vella is a multi-currency banking software from Vella Finance that provides a convenient banking use.…
Moniepoint
Moniepoint is a financial management software from Moniepoint Microfinance Bank that supports small business transactions.…
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