A real checkout
Not a detour.
The flow stays readable from cart to confirmation, with the wallet given the room it needs rather than bolted on at the end.
Crypto Checkout.
Made effortless.
Accept crypto on your website with 0% processing fees. Pay 1.5% plus the network fee only when you withdraw. Keep funds in crypto, move them to your own wallet, or top up your Lumo card, all from one app.
The payment moment, made familiar.
Lumo Crypto Checkout gives the wallet the room it needs without turning payment into a technical task. Any compatible crypto wallet can pay, and the flow stays readable from cart to confirmation.
- 0% processing fees on crypto
- Funds land in your Lumo Business wallet once confirmed on-chain
- No chargebacks on crypto payments, no rolling reserves
Pricing and fees
Transparent merchant economics.
Nothing is taken on the payment itself. One fee applies when you withdraw.
Monthly subscriptionNo monthly fee. Included with Lumo Business approval.
None
Processing feeCharged on a crypto payment at your checkout.
0%
WithdrawalWhen you move crypto to your own wallet, any time or on a schedule. The network fee is added.
1.5% + network fee
ChargebacksCrypto payments are final on-chain.
None
Welcome offerA $150 AWS voucher for merchants processing more than $500,000 in their first month, paid within 30 days after. Terms apply.
$150 AWS voucher
Network fees are paid by the sender. Lumo POS, the in-store counterpart, opens for pre-order in January 2027 and ships from April 2027.
In everyday language
What this means for your business.
Rather than routing customers through an outdated payment flow, Lumo Crypto Checkout keeps the payment inside the wallet your customer already uses.
Clear token selection
Customers pick what they pay with.
The checkout presents supported tokens and networks plainly, so the customer knows exactly what is leaving their wallet.
Built for merchants
Economics you can plan around.
0% processing and a 1.5% withdrawal fee, plus the network fee, make the cost of accepting a payment predictable.
Plugins and stores
Connect with your lk_ key.
Plugins and the API use the lk_ key from your Lumo Business dashboard. Run up to 5 stores from one business account.
How it fits together
One account, then one more application.
Lumo Business approval (within 24 working hours) gives you Lumo Crypto Checkout and Lumo Invoicing. Apply for Lumo Card Checkout separately in the app. Once it is approved (within 48 working hours), card payment appears automatically on your checkout, your invoices and your plugins.
The process
From cart to confirmation.
The same three-step pattern whether the customer is on your storefront or at your counter.
- 01
Customer reaches checkout
They choose to pay with crypto and select the token and network they want to use.
- 02
They pay from their wallet
A clear payment request is shown, and they pay it on-chain from any compatible wallet.
- 03
You get a confirmation
Funds clear into your Lumo Business wallet once confirmed on-chain, and webhooks update your systems.
Get started
Apply for Lumo Business in the app.
Download Lumo, open Settings, then Lumo Business, and apply. Most businesses are approved within 24 working hours.
