The best alternatives to Lumo Business

Coinbase Business is a crypto operating account for startups and small-to-medium-sized businesses. It enables businesses to send and receive global crypto payments, trade and manage digital assets, automate payouts, create invoices, and earn rewards on USDC — all from one secure, compliant platform with enterprise-grade security.

Gilded is an enterprise-grade crypto invoicing and payment platform that enables businesses to accept payments in 30+ tokens including BTC, ETH, and stablecoins. Features include automated recurring invoices for subscription billing, automatic payment detection and invoice reconciliation, batch payments to 300+ addresses, and deep integration with QuickBooks Online, NetSuite, and Xero. 100% non-custodial — Gilded is never in the flow of funds.

Zaprite helps businesses migrate to a bitcoin standard by enabling them to accept bitcoin and fiat payments in one integrated platform. Issue professional invoices, create payment links for goods and services, and use customizable hosted checkouts with on-chain, Lightning, and card payment support.

0xProcessing is a cryptocurrency payment gateway that enables businesses to accept payments in 85+ cryptocurrencies across 18 blockchains. It offers features like Web3 wallet integration, recurring billing, mass payouts, invoices, and a volatility risk control system that auto-converts crypto to stablecoins — all with no monthly fees and 24/7 personal manager support.

Paymento is a non-custodial cryptocurrency payment gateway that enables businesses to accept crypto payments directly into their own wallets. It supports thousands of assets across multiple blockchains and offers easy integration with e-commerce platforms through plugins and APIs.

BoomFi is a universal crypto payment gateway that lets businesses accept cryptocurrency payments through simple, shareable payment links. With no coding required, merchants can create one-time or recurring payment links, share them across chat apps, websites, or social media, and receive funds directly to their wallet in crypto or fiat.

Swapin is a licensed EU crypto payment gateway that enables businesses to accept cryptocurrency payments and receive settlement in fiat (EUR, GBP, USD) directly to their bank account. SwapinCollect offers crypto payment links merchants can share via invoices — customers pay with crypto without the merchant needing technical integration or a crypto wallet.

KvaPay is a regulated crypto payment platform offering businesses and individuals a complete suite of tools including crypto checkout for e-commerce, a multi-asset wallet, payment links, a POS terminal, and a crypto exchange. Operated by Ilavo Group under MiCA regulation and supervised by the Czech National Bank.

CoinsPaid provides blockchain payment infrastructure for global commerce, offering a comprehensive ecosystem of solutions including a stablecoin payment gateway (CryptoProcessing), business wallet, OTC desk, crypto SaaS, and PoS terminal. Backed by 11+ years of blockchain expertise and over €29B in payments processed, it enables businesses to accept, manage, and settle digital asset payments worldwide.

Invochain is a crypto-native invoicing platform that enables freelancers, businesses, and enterprises to create professional invoices that accept Bitcoin, Ethereum, and stablecoin payments. Features include real-time fiat-to-crypto conversion, QR code generation, PDF exports, email delivery, and automated payment tracking — all with non-custodial, direct-to-wallet settlement.