Platform
One payment layer. Every MID under control.
LumniPay sits between your checkout and your merchant accounts. It decides where each payment goes, recovers soft declines, spreads volume and gives you the data to improve approvals week after week.
Orchestration
Decide where every transaction goes, and what happens when it fails.
Payment orchestrationLumniPay sits between your checkout and your processing partners. Connect several MIDs, decide where every transaction goes, and keep selling when one account slows down.Explore payment orchestration Smart routingBuild routing rules on BIN, card brand, country, currency, amount, product and MID health. Each payment goes where it has the best chance of approval.Explore smart routing Cascade retriesMany declines are not final. LumniPay retries eligible soft declines on another MID in the same checkout session, so the customer never sees the failure.Explore cascade retries Load balancingDistribute transactions with round-robin or percentage splits. Stay under MID caps, avoid concentrating risk and keep chargeback ratios in a healthy range.Explore load balancing
Conversion and retention
Turn approved payments into bigger orders and recurring revenue, safely.
CheckoutOptimised checkout pages with Apple Pay, Google Pay and order bumps, connected directly to your routing and retry rules.Explore checkout UpsellsPresent offers right after checkout and charge them with one click using the stored card token. No re-entering card details, no extra friction.Explore upsells SubscriptionsRun subscriptions and continuity offers on top of your orchestration. Failed rebills are retried on a schedule and on the right MID, so fewer customers churn for payment reasons.Explore subscriptions Risk controlsStop bad transactions before they reach a processor. Block rules, velocity limits, a targeted 3DS strategy and chargeback ratio monitoring keep your accounts in good standing.Explore risk controls
Analytics
Measure every decision the platform makes.
Approval rate by MID, BIN, country and decline code. Revenue recovered by cascades. Cap usage and chargeback ratios per account.
- Decline reasons grouped by issuer response
- Cap and threshold usage per MID
- Subscription renewals and recovered rebills
Analytics · last 30 days
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
MID A · US91% approvals
Cap $212k / $250k
MID B · EU84% approvals
Cap $96k / $150k
MID C · US79% approvals
Cap $140k / $150k
Illustrative interface and sample data.