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Lumo Business

Accept crypto. Keep everything.

Lumo Business is Lumo Wallet's crypto payment platform for online businesses. Accept payments directly through plugins, APIs, and webhooks, create professional and recurring crypto invoices, and track everything from the dashboard — with 0% processing fees and no card-network chargebacks.

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Description

Lumo Business is the business arm of Lumo Wallet, helping online businesses accept crypto directly through plugins, invoices, and APIs — no traditional processors or chargebacks.

Key Features

  • Plugins & APIs — Official WordPress, WooCommerce, and WHMCS plugins, plus API-first, webhook-ready flows.
  • Crypto Invoicing — Branded invoices with line items, due dates, tax fields, and crypto amounts, sent via secure payment links and QR codes.
  • Recurring Invoices — Automate billing for subscriptions, memberships, and contracts.
  • Dashboard Analytics — Track revenue, outstanding balances, and payment history.
  • 0% Processing Fees — Payments settle directly into your Lumo Business Wallet.

Suitable for freelancers, agencies, merchants, SaaS companies, and enterprises needing a global, chargeback-free way to get paid in crypto — managed from the Lumo Business Dashboard on iOS, Android, and Windows.

Highlights

Pros

  • Official plugins for WordPress, WooCommerce and WHMCS, plus an API-first, webhook-ready payment flow (13 integrations).
  • Real-time dashboard analytics track invoice statuses, revenue collected, outstanding balances, success rates and monthly trends.
  • Payments go straight to the merchant's Lumo Business Wallet on-chain — no card networks, intermediaries or chargeback risk.
  • Built-in professional invoicing with company branding, tax fields, recurring invoices, automated reminders and downloadable PDF records.
  • Fast on-chain payouts let businesses settle globally, with customers able to pay from anywhere.
  • Non-custodial by design — Lumo never holds merchant funds, keeping full ownership with the business.

Cons

  • Only 13 integrations so far, a much smaller ecosystem than established crypto payment gateways.
  • Services are not available in all jurisdictions and are subject to regulatory requirements, limiting global rollout.
  • Lumo POS for in-store physical retail is not yet available — the company targets Q1 2027 for release.
  • Shopify plugin is still listed as "Coming Soon", so major e-commerce users must integrate via API for now.
  • Public launch was July 1, 2026, so the platform has a short operating track record for merchant adoption.