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LUME: built for unstoppable builders 

Lume is our platform. A platform that lets you build and scale card issuance tech. From scratch. From legacy products. 

Most issuing platforms were built for a different time

Slower release cycles. Single-market thinking. Lume’s built for a different time. 

Cloud-native, service-driven. Lume turns your payments capabilities into compounding assets by being more in tune with today’s agility. 

Most fintech solutions are tech-driven. Others are culture -driven. Lume is both.

Curious? Read on… 

One platform. Three directions of growth.

Lume is elastic and expands three ways simultaneously. 

It scales vertically into new capabilities, globally into new markets and locally into whatever regulatory or technical requirements local markets present you with. 

Above all, it puts you in the centre. You don’t need vendor access for change requests. You get a level of control you never had: 

Lume-diagram

A plethora of card programmes

We have all sorts of card programmes on our platform, with various modules that stack, and no switching costs. Whatever you want to issue, whenever you want to switch, we’ve got you.

 

Icons_Cards

Debit, credit,
prepaid, hybrid

The full range. Configured to your specs, not a template.

Icons_Digital Wallet

Wallets and
BNPL

Flexible spending structures. Just how modern customers use money.

Icons_Currency Exchange

Crypto-linked
cards

Bridge digital assets and everyday spending, providing real-world utility

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Embedded
finance

Payments built into products that aren’t traditionally financial. We make the payments layer invisible so the experience shines.

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Cross-border
issuing

Issue across markets without managing separate programmes. One platform, global reach.

One platform. Five card types. Eight capabilities. (Yes, we love numbers.)

The five types of cards mentioned above can be developed on Lume with various capabilities: 

A decision engine

Build authorisation and transaction workflows that work how you need them to. Set rules. Automate logic. Grab a coffee in the meantimemean time.

A transaction switch

Smart transaction routing that keeps costs down, approval rates up and your weekends stress free.

A ledger for credit

Multiple credit types in one ledger.

A global platform

All tech is positioned close to your markets. Low latency, local compliance standards, global reach.

Data Intelligence

120 data lines per transaction. Not a report — a real-time engine for hyper-personalised experiences that get sharper over time.

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A Client Portal

Full visibility into performance, balances, spend trends. All fully encrypted.

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Risk management

Security that scales without holding you back. ISO certified, GDPR compliant.

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Tokenization

Support digital wallets, contactless payments and the full range of modern payment methods. Yes, even for that altcoin thing launched one hour ago.

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The distance between your current place in the universe and your destination just got a lot shorter.

Ready to build something that doesn't stop?