What it is
Card payments on your site.
Customers can pay by debit or credit card at your checkout, on your invoices and through your plugins, as well as in crypto.
Take card payments
on your website.
Lumo Card Checkout lets your business take debit and credit cards on your own site, beside the crypto checkout you already have. One account, both ways to pay.
Cards and crypto, one checkout.
Customers who would rather pay by card can do so without leaving your store, and the crypto path stays exactly as it is.
- Debit and credit cards on your website
- Card payment appears on your invoices and plugins automatically
- Crypto checkout stays at 0% processing
Pricing and fees
What card payments cost.
A monthly subscription plus a rate per payment that depends on where the card was issued. The subscription starts only once you are approved, and the first month is free.
SubscriptionCharged monthly once your Card Checkout account is approved. First month free as a welcome offer.
£29 / month
UK cardsCards issued in the United Kingdom.
2.25% + £0.30
European cardsCards issued in Europe.
3.75% + £0.30
International cardsCards issued outside the UK and Europe.
4.88% + £0.30
Payments in another currencyAdded to the card rate when a customer pays in another currency.
+1.5%
Payout to your bankCharged when you move card takings to your bank account.
1% + £0.50
ChargebacksA £20 dispute fee per chargeback. It is not refunded if you win, but the disputed amount comes back to you.
£20
RefundsRefund in full or in part from the app. You need enough Card Checkout balance to cover it.
From the app
These are Lumo Card Checkout prices only. Lumo Crypto Checkout is priced separately. The first month free is a welcome offer for new and existing customers. Terms apply.
In everyday language
What this means for you.
Two ways to pay on the same store, with the card side priced plainly and billed only once it is live.
How funds are held
Custodial, with KYC.
Card takings are held by a regulated payments partner until you pay them out to your bank. That is why applying needs identity and business checks.
What it costs
A subscription plus a card rate.
£29 a month, first month free, then a percentage plus 30p on each card payment, set by where the card was issued.
Refunds and funds
Managed in the app.
Refund in full or in part from the app. If your Card Checkout balance is low, add funds by bank transfer.
What a payout costs
1% + £0.50 to your bank.
Card takings are paid out to your bank account for 1% plus £0.50. This is separate from the 1.5% that applies when you withdraw crypto.
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
Getting card payments live.
Crypto checkout works from day one. Card payments are added once you are approved.
- 01
Apply in the app
Apply for Lumo Card Checkout in the Lumo Business section of the app and complete the identity and business checks.
- 02
Get approved
Most applications are approved within 48 working hours. The £29 subscription starts then, with the first month free.
- 03
Start taking cards
Card payment appears automatically beside crypto on your checkout, invoices and plugins.
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.
