One API for collections, payouts, reconciliation and analytics. Lumen gives your product a double-entry ledger that reconciles itself, so your team can ship money features without rebuilding accounting every quarter.
Trusted by finance and engineering teams
Stop stitching together a payment provider, a spreadsheet and a custom reconciliation job. Lumen handles the full lifecycle with one consistent data model.
Cards, bank transfer, wallets and UPI through one checkout and one webhook format. Retries, dunning and 3-D Secure are handled for you, with a routing layer that picks the cheapest working rail for every transaction.
Tokenized card or bank mandate created on your servers, never in the browser.
Partial and delayed capture supported, with automatic expiry and void rules.
Funds land in your ledger the same second the rail confirms the transfer.
Push money to any account in 42 countries. Batch, schedule or trigger instantly from an event, with automatic FX quoting and full fee transparency.
A double-entry ledger you can query like a database. Every balance is derived, never stored in place, so it can always be reconstructed and audited.
Revenue, churn, failed-payment cohorts and cash-flow forecasts computed against the same source of truth your books use.
KYC, sanctions screening and tax reporting wired into the payment flow so risky transactions never silently pass.
Typed SDKs, idempotency by default and webhooks that are signed and replayable. Test mode mirrors production down to the failure codes.
Every mutating call accepts a key, so a retried request never charges twice.
Verify with one HMAC check. Replay any event from the dashboard for the last 30 days.
Force declines, disputes and delays by test card so your error states are tested too.
// create a payment intent
const payment = await lumen.payments.create({
amount: 4999,
currency: "usd",
customer: "cus_9fK2p",
capture: true,
metadata: { order: "ord_8812" }
}, {
idempotencyKey: "order_8812_v1"
});
// ledger entry is written atomically
const entry = await lumen.ledger.entries(payment.id);
console.log(entry.status); // "posted"Pay for what you process. No platform fee, no minimum commit, no surprise overage line on the invoice.
Create a sandbox account, grab an API key and run the quickstart. No sales call, no card, no commitment.