Invoice-ready
Clear payment requests.
Create an invoice with the amount and details, send it by email, and let your customer pay from any compatible wallet.
Send invoices.
Get paid either way.
Send an invoice your customer can pay in crypto. If you are approved for Lumo Card Checkout, the same invoice also offers payment by debit or credit card, with nothing for you to switch on.
Crypto or cardyour customer chooses
One invoice, both ways to pay.
Create an invoice in the app, send it by email and track it until it is paid. Connect the payment events to your own tools with webhooks.
- Payable in crypto with Lumo Business approval
- Card payment added once Lumo Card Checkout is approved
- Webhook-ready status updates
Pricing and fees
What invoicing costs.
Invoicing follows the same merchant economics as the rest of Lumo Business.
Monthly subscriptionNo monthly fee. Included with Lumo Business approval.
None
Crypto payment receivedProcessing fee on an invoice paid in crypto.
0%
WithdrawalWhen you move crypto to your own wallet, any time or on a schedule. The network fee is added.
1.5% + network fee
Card payment receivedCard invoices use Lumo Card Checkout pricing, from 2.25% + £0.30 on UK cards.
Card Checkout rates
Network fees on crypto payments are paid by the sender. Full Card Checkout pricing is on the pricing page.
In everyday language
What this means for your business.
Lumo Invoicing lets you create an invoice in the app, send it by email and track payment.
Card too
Card payment, automatically.
Once Lumo Card Checkout is approved, customers can pay the same invoice by debit or credit card.
Refunds
Handled in the app.
Refund a card payment in full or in part from the app, as long as your Card Checkout balance covers it.
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 sent to paid.
Three stages from a sent invoice to a confirmed payment.
- 01
Create the invoice
Add the amount and your customer's details in Lumo Business.
- 02
Send it by email
Your customer opens it and pays in crypto, or by card if Card Checkout is approved.
- 03
Track the payment
See the status in the app, and use webhooks to keep your own systems informed.
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.
