Rail A
Card-first, EU and UK
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PaymentsOrchestrationAcquirer matching
Every merchant has a right acquirer.
Lumify matches your business with the right acquirers, helps you onboard, and keeps improving how your payments perform.
Rail A0%
Rail B0%
Rail C0%
5,000,000 payments in flight
00Mission statement
The right payment providers for each merchant.
01Acquirer match
Which kind of acquirer suits your business?
Lumify has relationships with many acquirers supporting different merchant types, markets and payment solutions. Tell us about your business and we’ll find the right partners for you.
Rail B
High-risk specialist
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Rail C
Scale and fast settlement
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Illustration purposes only
02Payments and orchestration
One integration. Every route behind it.
Payment processing and orchestration for merchants who want more than one acquirer, a checkout that is theirs, and numbers they can read. AI helps tune every route.
Connect once. Add providers freely.
One integration and one cashier connect your acquirers and payment providers. Cards, recurring payments, wires and crypto sit behind the same checkout, and a new provider does not mean a rebuild.
Each payment takes its best route.
Rules send payments to the provider most likely to approve them at the right cost, by country, card type, amount and how each provider is performing right now. Traffic caps keep you inside every contract limit.
A decline gets a second chance.
A declined payment retries through the next provider on your fallback chain, in real time, with no change for the customer.
Safe without the friction.
Authentication that meets SCA rules and stays out of the shopper’s way, plus configurable fraud filters, limits and chargeback prevention.
Your brand on the page.
A white-label gateway and secure card fields built into your own checkout, adapting to country, currency and language.
Payouts, FX and one clear report.
Single and batch payouts, real-time currency conversion with your own margin, and unified reporting across every provider: approvals, decline reasons and cost per route, reconciled automatically.
AI that keeps every route sharp.
AI learns from approvals, declines and cost on every route, then recommends routing and fallback changes so each payment lands on its best path.
03How it works
From first contact to better numbers.
1
Contact
Tell us how you sell: products, markets, volumes and what you use today. We tell you plainly which acquirers and routes suit your business.
2
Onboarding
We support file preparation and paperwork, and get you approved with the providers that fit.
3
Processing
We get you live and running: gateway and checkout set up, routing and fallbacks configured, settlements tracked from the first day.
4
Optimization
We keep tuning acceptance rates, pricing and settlement cycles as your traffic grows and providers change, so your results improve over time.
04Questions
Questions we get asked first
Can you place a high-risk business?
Often, yes. High-risk categories usually come with a one-off fee, a capped rolling reserve and tighter velocity limits. We tell you early whether your file is likely to clear.
What documents will I need?
Typically company and ownership documents, proof of address, processing history, and a description of your checkout and statement descriptor. For a US-registered company, notarised and apostilled copies speed things up with European acquirers.
Do I have to use a single acquirer?
No. Orchestration connects several providers behind one integration, so you can route between them and keep a fallback ready when a payment is declined.
What does MiCA mean for crypto payments?
It sets a regulatory perimeter, and wording matters: how a product is described can bring it inside, and issuer details must match real authorisations. We check both before you launch.
What happens after I go live?
We keep reviewing acceptance rates, pricing and settlement cycles with you, and adjust routes and terms as your traffic changes.
05Contact us