Get started

Pricing you can compute.

One rate per transaction. No setup fees, no monthly minimums, no “contact us” for a number we already know.

Starter

For getting to first revenue. Self-serve, no contract.

1.9% + €0.20
per successful charge
  • All payment methods
  • Payouts at t+1
  • FX at mid + 40 bps
  • 3 currency balances
Start free
Growthmost common

For platforms moving real volume. Instant everything.

1.6% + €0.20
per successful charge · volume discounts at €250k/mo
  • Instant payouts, 135 currencies
  • FX at mid + 25 bps
  • 12 currency balances + IBANs
  • Payout schedules & splits
Get started
Enterprise

For regulated or high-volume flows. Custom rates, same API.

Custom
interchange++ available
  • 31 currency balances
  • SSO / SAML, audit log
  • EU / US data residency pinning
  • Named support engineer
Talk to sales

What would you pay?

€239,883 / month
€10,000€10,000,000

Assumes average charge of €48. Slide to your volume; the plan picks itself.

Suggested planGrowth
Effective rate1.52%
Charges / month4,998
Monthly cost€3,646

The full rate card.

Growth plan, EUR settlement. Nothing on this table changes without 60 days’ notice.

MethodRegionRate
Cards (consumer)EEA1.6% + €0.20
Cards (consumer)International2.9% + €0.20
SEPA Direct DebitEEA0.6% + €0.20, cap €4
iDEAL / BLIK / PixLocal€0.29 flat
ACHUS0.7%, cap $4
Instant payout135 currencies€0.45 / payout
FX conversionAll pairsmid + 25 bps
ChargebackAll€12, refunded if won

Security is table stakes.

SOC 2Type II
PCI-DSSLevel 1
ISO 27001certified
GDPREU residency

Card data never touches your servers — it is tokenized at the edge and stored in our PCI-DSS Level 1 vault. All data is encrypted in transit and at rest; EU customer data can be pinned to eu-central on any plan. Access to production systems requires hardware keys and is logged immutably. We run a public bug bounty and publish our penetration test summaries annually.

Reports available under NDA: request the security packet

Questions, answered.

When do I actually get my money?
Charges settle into your Lumina balance the moment they clear — typically 1–2 seconds for instant rails, same-day for cards. From there, payouts to your bank are instant on Growth and Enterprise, t+1 on Starter.
Are there any fees besides the rate card?
No. No setup, no monthly fee, no minimums, no gateway fee, no API call charges. The rate card on this page is exhaustive. Refunds return our fee.
How do volume discounts work?
Above €250k/month, the percentage component steps down automatically — you’ll see the tier on your invoice. Above €2M/month, talk to us about interchange++ pricing.
Can I bring my existing card tokens?
Yes. We support standard network token migration from all major processors. Your customers won’t re-enter a card; migrations typically complete within two weeks.
What happens when a payment fails?
You get a webhook with a structured failure reason and our recommended retry window. Smart retries on subscriptions recover 11% of failed charges on average, at no extra cost.
Do you hold reserves?
For most businesses, no. Higher-risk categories may carry a rolling reserve, stated explicitly during onboarding — never imposed retroactively.
Which countries can I operate from?
Lumina onboards businesses incorporated in 31 countries across the EEA, UK, US, and Canada, and you can charge customers nearly anywhere. Payouts reach 135 currencies.
“Their pricing page told me more than three sales calls with their competitor.”

Imogen Hart · VP Finance, Northwind Travel

Start free. Scale when you do.

Sandbox is free forever. Pay only when real money moves.

Start freeTalk to sales
Independently auditedGDPR-readyEU data residency