Lumino

Lumino

Secure payment processing for agencies

Overview

Lumino provides secure, scalable payment processing tailored for agencies, coaches, and consultants. It enables users to create branded payment links and manage transactions with interchange-plus pricing, offering transparent, low fees. The platform also supplies advanced analytics that reveal customer behavior, trends, and industry benchmarks, plus white-glove customer support. Lumino focuses on protecting client funds and sensitive data while delivering reliable e-commerce payments. Compared to competitors, Lumino emphasizes brand-aligned payment links, transparent pricing, and high-touch support, targeting smaller businesses that need clear costs and personalized service. The goal is to help agencies and solo practitioners accept payments efficiently, with clear pricing, strong security, and actionable insights to grow their business.

About Lumino

Simplify's Rating
Why Lumino is rated
C
Rated C on Competitive Edge
Rated C on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Enterprise Software

Fintech

Financial Services

Company Size

11-50

Company Stage

Seed

Total Funding

$130K

Headquarters

Houston, Texas

Founded

2023

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Simplify's Take

What believers are saying

  • Lumino.io updated pricing on September 23, 2026, signaling active product and sales investment.
  • Trustpilot shows 2.9 stars and recent reviews praising next-day payouts and responsive support.
  • G2 lists one 2026 review calling setup fast and integrations streamlined.

What critics are saying

  • Trustpilot's 2.9 rating and scam complaints undermine Lumino's trust-led positioning.
  • Terms allow account freezes, reserve holds, and up to $250 monthly dispute monitoring fees.
  • Visa, Mastercard, or processor partner termination would strand Lumino's routed-payments model overnight.

What makes Lumino unique

  • Lumino's 2026 platform bundles payments, invoices, subscriptions, BNPL, rewards, and smart routing.
  • September 2026 pricing advertises interchange-plus, dual pricing, and custom enterprise contracts.
  • It targets agencies, coaches, and consultants with branded payment links and white-glove support.

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Funding

Total Funding

$130k

Above

Industry Average

Funded Over

0 Rounds

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Company Equity

Hybrid Work Options

Home Office Stipend

Growth & Insights and Company News

Headcount

6 month growth

↑ 0%

1 year growth

↑ 0%

2 year growth

↑ 0%
Aithority
Oct 1st, 2024
Lumino Announces AI SDK Release

Lumino, an AI infrastructure startup, announced that it has launched its large language model (LLM) fine-tuning SDK and web console.

Pulse2
Mar 20th, 2024
Lumino: AI Infrastructure Company Raises $2.8 Million

Lumino is developing an integrated hardware and software compute protocol for AI workloads.

Finsmes
Mar 19th, 2024
Lumino Raises $2.8M in Pre-Seed Funding

Lumino, a San Francisco, CA-based AI infrastructure startup, raised $2.8M in Pre-Seed funding.

PR Newswire
Mar 19th, 2024
Lumino Announces Pre-Seed Round

/PRNewswire/ -- Lumino, an AI infrastructure startup, announced that it has raised a $2.8 million Pre-Seed financing round. This round's investors include...

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