Lumnipay

Now accepting new merchants

Payment Processing
Built for Serious
Merchants

Lumnipay is a direct payment processor — not a gateway, not an aggregator. We underwrite your business, handle acquiring, and give you a dedicated account manager so you can scale without limits.

Apply for a Merchant Account

Complete the form below. Our underwriting team reviews all applications within 48 hours.

01 — Company Information

Company / Brand Name *

Business Address *

Website URL *

CMS / Platform *

02 — Contact Details

First Name *

Last Name *

Email Address *

Phone Number *

Telegram Handle *

03 — Business Details

Monthly Processing Volume *

Current Payment Processor *

Additional Information

Banking details (optional — providing them now speeds up your onboarding; must match your business bank account)

Bank Name

Routing Number (ABA)

Account Number

04 — Company Documents

Upload any relevant documents: business registration, EIN letter, articles of incorporation, etc. (PDF, JPG, PNG, DOC — max 10MB each, up to 5 files)

Drag & drop files or click to browse

PDF, JPG, PNG, DOC — up to 5 files

05 — Compliance Declaration

Has your business (or any of your past businesses) ever had a merchant account terminated, suspended, or banned by a payment processor (Stripe, Shopify Payments, PayPal, etc.)? *

No, neverYes

By submitting, you agree to our merchant terms of service. All information is kept confidential.

99.9%

Uptime SLA

48h

Onboarding

40+

Countries

24/7

Support

Direct Payment Processing

We are the processor — no middleman, no aggregator. Your funds flow directly through our acquiring infrastructure.

Chargeback Protection

Advanced fraud tools and mandatory 3DS enforcement minimize disputes and shift liability away from you.

Fast Settlements

T+4 payouts with transparent rolling reserves. No surprise holds, no frozen accounts.

Dedicated Account Manager

A real person, reachable 24/7 via Telegram. Your processing is managed, not automated away.

Transparent Processing Rates

No setup fees. No hidden fees. No surprises. What you see is what you pay.

Standard

from5.9%/ transaction

Up to $100k processed per month

✓ All card types accepted
✓ Fast settlements
✓ Chargeback protection
✓ High-converting hosted checkout

Negotiable

Volume

Custom

Over $100k processed per month

✓ Negotiated processing rate
✓ Priority settlements
✓ Dedicated account manager
✓ High-converting hosted checkout

Rates are indicative. Final pricing is agreed during onboarding based on your business profile and volume.