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From authorisation to settlement.
One platform.
Zero hassle.

Expanding into new markets?
Scaling transaction volumes?
Tightening fraud controls? 

One platform, one API, everything from authorisation to settlement properly, securely handled. With speed, precision, and security. You’ll have one single API connecting your card programmes to global payment networks and keep your tech stack running reliably in any market.

Full visibility from one dashboard.

Lume’s customer portal gives you real-time control over your payment operations without switching between systems. Track transactions as they happen. Spot issues before they escalate. Configure payment rules on the fly. Automate reconciliation and reporting.

Explore the Client Portal
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Better authorisation decisions. Fewer false declines.

The Decision Engine evaluates every transaction in real time against your business rules — approving what should go through, stopping what shouldn’t.

Customise

Customise authorisation rules to match your programme strategy.

Minimise

Reduce false declines and the customer friction that comes with them.

Neutralise

Fraud control services built into every decision.

120 data lines per transaction.
Let’s use them.

Raw transaction data doesn’t drive growth. Understanding it does. Data Intelligence turns what’s flowing through your platform into insights you can act on:

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Data analysis

Analyse transaction patterns to optimise operations

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Smart insights

Understand customer behaviour through spending insights

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Trends

Identify emerging market trends before your competitors do

Security that moves with your programme.

Real-time proactive risk management, built into every transaction. Part of our Lume platform from the start.

Real-time fraud control services.

Rules triggered giving you control on how to respond.

Risk
alerting

Proactive risk alerts. Issues flagged before they hit your operations.

Case management

Case management. Disputes handled, revenue protected.

Always on. No exceptions.

We offer an agnostic cloud-native platform with global redundancy. Your transactions keep running during peak loads, maintenance windows, market expansions, incoming meteors. Well, maybe not meteors.

 

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Global redundancy

Payments keep flowing wherever your customers are

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High availability

Consistent performance at any volume

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Real-time updates

New features and improvements without downtime

Built for developers. Ready to integrate.

The Developer Portal has everything needed to connect your systems and customise your payment workflows: full API documentation, sample code, and integration guides.

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Start designing
your own payment
experience

Get Started