Cards are the default in the boardroom and a minority at checkout in most of the world. In Brazil it is Pix; in the Netherlands, iDEAL; in Poland, BLIK. Offer the wrong button first and conversion quietly leaks, market by market.
Lumina exposes every local method through the same charge object, with the same settlement currency of your choice. You don’t integrate Pix — you set method to pix and the rest is identical: one webhook stream, one ledger, one reconciliation. The hard part is not the integration; it is knowing which method to surface to which customer, which we infer from locale, device, and amount.
The result is a checkout that feels native everywhere without a per-market engineering project. The second button — the one that isn’t a card — is where the revenue is.