Every transaction, routed to the MID most likely to approve it.
LumniPay is the payment orchestration layer for high-growth and high-risk e-commerce brands. Smart routing, cascade retries, load balancing and risk controls across all your MIDs, running inside your Tagada account.
- Multi-MID orchestration
- Soft-decline cascades
- Built for high-risk
Incoming order
$89.00
card · Visa debit
bin · 4147 09
country · US
product · subscription
MID A · US
Visa · USD · under cap
MID B · EU
Cascade on soft decline
MID C · US
Monthly cap reached
Illustrative interface and sample data.
Accept the payment methods your customers already use
- Visa
- Mastercard
- American Express
- Discover
- Apple Pay
- Google Pay
The problem
You paid for the click. Stop losing the sale at the card.
High-risk merchants rarely lose revenue because of the offer. They lose it in the payment layer, in three predictable places.
Soft declines you never retry
A 'do not honor' on one MID is often an approval on another. Without a cascade, that customer is simply gone after you paid for the click.
MIDs that hit their caps
Monthly caps and risk limits get reached mid-campaign. Volume stalls, or one account takes all the pressure and gets reviewed.
Chargeback ratios on one account
Concentrating volume on a single MID concentrates disputes too. Spreading traffic keeps every account inside its thresholds.
The platform
One layer above every MID you run.
Eight building blocks that work together, configured once and applied to every order.
Payment orchestration
One layer above every MID and processor you use
Learn moreSmart routing
Send each payment to the MID most likely to approve it
Learn moreCascade retries
Recover soft declines on a backup MID automatically
Learn moreLoad balancing
Spread volume across MIDs and stay under every cap
Learn moreCheckout
Fast, mobile-first checkout with wallets and order bumps
Learn moreUpsells
1-click post-purchase upsells and downsells
Learn moreSubscriptions
Recurring billing, trials and smart rebill retries
Learn moreRisk controls
Block rules, velocity limits, 3DS and chargeback monitoring
Learn moreCascade retries
A soft decline is a second chance, not a lost order.
When an issuer returns a retryable code, LumniPay re-attempts the payment on the next eligible MID in the same checkout session. Hard declines are never retried, so you recover revenue without hurting your accounts.
- Retryable and non-retryable codes handled separately
- Attempt limits per order and per card
- Every attempt logged with its decline reason
MID A
05 · Do not honor
MID B
Approved
Illustrative interface and sample data.
{
"name": "US subscriptions",
"when": {
"country": ["US"],
"product_type": "subscription",
"card_brand": ["visa", "mastercard"]
},
"route": {
"strategy": "percentage",
"split": { "mid_a": 70, "mid_c": 30 },
"respect_caps": true
},
"on_soft_decline": {
"cascade_to": ["mid_b"],
"max_attempts": 2
}
}Smart routing
Rules you can read, results you can measure.
Route by BIN, card brand, country, currency, amount or product. Split traffic by percentage, respect monthly caps and fall back automatically when a MID is paused. Change a rule and the next order follows it.
- Priority order with automatic fallbacks
- Percentage splits and round-robin
- Caps and pauses per MID
Checkout and upsells
A checkout that behaves like a funnel, not a form.
Mobile-first checkout with wallets, order bumps and 1-click post-purchase upsells charged on the stored token. Each upsell goes through the same routing rules as the main order.
- Apple Pay and Google Pay, subject to partner availability
- Order bumps and 1-click upsells or downsells
- Trials and subscriptions in the same flow
Payment
Card data tokenised by the processing partner
Order summary
Illustrative interface and sample data.
Analytics
Approvals, recovered revenue and risk on the same screen.
See approval rates per MID, BIN and country, which decline codes cost you the most, and how close each account is to its cap and its chargeback threshold.
Approval rate
87.4%
+3.1 pts
Recovered by cascade
$18,240
this month
Chargeback ratio
0.41%
all MIDs
Active subscriptions
6,912
+4.2%
Approved volume by day
MID health
Cap $212k / $250k
Cap $96k / $150k
Cap $140k / $150k
Illustrative interface and sample data.
Solutions
Built for the businesses mainstream processors avoid.
Different models, the same need: more approvals, stable accounts and payment infrastructure that scales with paid traffic.
Why orchestration
A single MID versus LumniPay.
Pricing
One per-transaction rate. No monthly fee.
Orchestration, checkout, upsells, subscriptions and analytics are included. Your final rate is confirmed during onboarding on Tagada, based on your business profile.
FAQ
What merchants ask first.
What is LumniPay?
LumniPay is a payment orchestration platform for high-growth and high-risk e-commerce brands. It routes each transaction across your processors and merchant accounts, retries declines through a cascade, and adds checkout, upsells, subscriptions, risk controls and analytics on top.
How do I get access to LumniPay?
LumniPay is available exclusively through Tagada, the e-commerce CRM. You apply from your Tagada account, your business is reviewed, and LumniPay is activated there once approved. We do not open accounts directly.
What does the onboarding flow look like?
You submit an application through Tagada with details about your business, products, websites and processing history. The application is reviewed, processing partners underwrite your account, and once approved you configure routing, checkout and risk rules before going live.
How long does onboarding take?
Typically a few business days, depending on the review. Complete and accurate documents, clear websites and a clean processing history help keep things moving. Some verticals or partners may require additional checks.
Is LumniPay a payment processor or a bank?
No. LumniPay is a technology platform. It is not a bank, payment institution, processor or acquirer. Payments are processed by licensed third-party partners under their own terms, and LumniPay orchestrates how transactions flow between them.
Which businesses can apply?
We work with many e-commerce models, including high-risk verticals, as long as they operate lawfully and transparently. Check our Acceptable Use Policy before applying. Tagada and processing partners may apply stricter rules of their own.