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In-person payments
Countertop, mobile, and wireless equipment for fast, secure payments wherever business happens.
Explore equipment →PAYMENT PROCESSING, SIMPLIFIED
Better payments.
Built around you.
Straight answers, flexible pricing, and technology that fits the way your business actually operates.
25+Years of industry experience
50States served nationwide
24/7Merchant support access
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Ready for payment
$128.40)))
Tap, insert or swipe
APPROVALSFast, straightforward setup✓
YOUR BUSINESSOne solution. Every way to pay.
ONE PARTNER. MORE POSSIBILITIES.
The right payment setup for how you do business.
From a simple countertop terminal to a complete point-of-sale system, we help you choose what works—without forcing your business into a one-size-fits-all package.
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Point of sale
Manage payments, employees, inventory, loyalty, and more from one connected platform.
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Online + virtual
Accept payments online, by phone, through invoices, or with recurring billing.
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Mobile business
Professional payment acceptance for service teams, events, delivery, and businesses on the move.
PRICING THAT MAKES SENSE
More control over what processing costs you.
We explain the tradeoffs clearly, then build the plan around your volume, ticket size, customers, and goals.
Cash Discount
Offset up to 100% of processing costs while giving customers who pay with cash a discount.
- Card-brand compliant program
- Required signage provided
- Clear merchant reporting
Interchange+
Transparent cost-plus pricing that shows the underlying card costs and your service fee.
- Wholesale cost structure
- Detailed statements
- Built for transparency
Flat + Custom
Predictable flat-rate or tailored pricing for businesses that need a different approach.
- Simple, predictable rates
- Plans fit to your business
- No confusing sales pitch
L$42.75PAY
◉Order #184Ready
TOOLS THAT WORK AS HARD AS YOU DO
From first tap to final report.
Choose from smart terminals, mobile readers, full point-of-sale systems, virtual terminals, gateways, and recurring billing solutions.
✓ Contactless + EMV✓ Wi-Fi + cellular✓ Digital receipts✓ Inventory tools✓ Recurring billing✓ Secure reporting
Find My EquipmentBUILT FOR SMALL AND MIDSIZE BUSINESS
Different industries. One experienced team.
RestaurantsRetailService businessesOnline businessesMobile businessesMail + phone order
GROW WITH LUMINOUS
Turn trusted introductions into recurring income.
Refer business owners who need better payment processing. Our team handles the consultation, setup, and ongoing support.
Become a Referral Partner$500Potential activation bonus per qualifying merchantProgram terms and eligibility requirements apply.
EXPERIENCE MATTERS
Small-business perspective. Decades of payment expertise.
Luminous Payments was founded by people who have owned and operated small businesses. We understand the pressure behind every expense, every customer experience, and every decision.
That is why our approach starts with listening. We help you understand your options, choose the right technology, and stay supported after you begin processing.
Transparent pricingCustomized solutionsSecure transactionsReal support
LET'S FIND A BETTER FIT
Tell us how your business accepts payments.
A Luminous payment specialist will review your needs and walk you through the options. Submission does not guarantee merchant approval.