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Cloud-native 

(Does anyone still do it any other way?)

What Lume brings to your programme

We built Lume, our paymentology payment platform to run with zero downtime deployments, scale without limits and adapt without replatforming. AWS, Oracle, Azure, every cloud solution is in the game.



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Trusted by the best

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What Lume brings to your programme

With Lume, we’ve united various crucial aspects of a modern day payment ecosystem. In fact: it’s our pride & joy and is fully adaptable to your needs. From launching new products to expanding into new markets, pivoting to new products, or addressing new safety or regulatory issues. You’re driving innovation, you’re bringing growth and you’ll be leading with confidence.

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Scale without calling a vendor

Auto-scaling handles volume spikes instantly.

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Launch whenever you’re ready

You can push new products in release cycles without having to wait aeons.

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Expand globally without rebuilding locally

One platform, every market. Local compliance built in.

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Integrate once, connect to everything

APIs built for payment ecosystems. No workarounds.

Lume’s nine layers of control

Trigger rules based on time, geography, or behaviour. Launch new products in weeks instead of months. Every layer below is configurable to your programme:

Customise card creation and activation criteria effortlessly.

Tailor rules for debit, credit, prepaid, or hybrid cards.

Set precise limits across MCCs, regions, and BINs.

Ensure compliance with tailored scheme-specific rules.

Build adaptive fraud rules to counter emerging threats.

Automate settlement-based actions for unified operations.

Simplify audits with traceable, fully versioned rules.

Engage customers with next-best-action recommendations.

Empower cardholders with personalisation tools and notifications.

A few more perks

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Active-active architecture

Zero downtime deployments. Even when everyone would be paying at once.

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Redundant servers

Fault-tolerant infrastructure. High availability, always.

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Disaster recovery

Auto-scaling and industry-leading fault tolerance. Nothing stops.

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Transaction speed

Processing that keeps up with your customers’ expectations.

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Global compliance

GDPR, Mastercard and Visa certified. Built in, not bolted on.

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Advanced security

Multilayered encryption, tokenization, and cloud-native data sovereignty.

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“Expanding access to financial tools and services is core to Visa’s purpose – uplifting everyone everywhere. Partners that connect to our global Visa Cloud Connect network unlock a wealth of product solutions for their clients and so we’re excited to continue our longstanding partnership with Paymentology.”

- Joe Samuel, Ex-VP, Head of Issuer Enablers, Europe, Visa

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“Expanding access to financial tools and services is core to Visa’s purpose – uplifting everyone everywhere. Partners that connect to our global Visa Cloud Connect network unlock a wealth of product solutions for their clients and so we’re excited to continue our longstanding partnership with Paymentology.”

- Joe Samuel, Ex-VP, Head of Issuer Enablers, Europe, Visa

AWS. Azure. Oracle. Your call.

The widest multi-cloud coverage in the category. Deploy where it makes sense for your business, your data sovereignty requirements, and your market.

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Experience our platform first-hand

See Paymentology in action with our self-service demo. Explore the full potential of our platform and discover how it can transform your card-issuing processes.

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Developer portal

Dive into the technical side of Paymentology with our comprehensive developer portal. Access detailed documentation, APIs and tools to ensure straightforward integration for your card programmes.

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Start designing
your own payment
experience

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