The Payment & Compliance Infrastructure
for the Creator Economy
Not just a payment platform. Lumanu is your Merchant of Record that takes on
creator payments, compliance, and taxes globally - so you don’t have to.
4.6/5 rating on G2
SOC-2 Type II
Certified
ISO 27001
Certified
Loved by
marketing teams at
Official
Strategic Partner
Partner
"Visa is deeply invested in empowering creators as the new face of entrepreneurship. Our partnership with Lumanu brings that vision to life, delivering fast, compliant payouts to creators in over 200 countries."
Mark Nelsen
Global Head of Product, Visa
“Lumanu is like a corporate Venmo that my finance team actually approves!”
“Lumanu is like a corporate Venmo that my finance team actually approves!”
Jen Winston
Head of Social at Lyft
$1.5B+
Payments Made
500K+
Vendors In Network
220
Countries & Territories
132
Currencies
Why Lumanu?
A side-by-side look at what changes when you bring Lumanu into your payments workflow.
❌
Without Lumanu
6–8 week onboarding
Every new creator requires a separate AP setup. 7 to 20 steps, 6 to 8 weeks, before you can pay anyone.
10+ emails per vendor
Marketing wants to move fast. Finance needs controls. "Where's my money emails" land in your inbox.
Multiple invoices
Individual invoices from every vendor, chased manually, approved separately, tracked in spreadsheets.
Manual tax compliance
W-9s, W-8s, 1099 filings, chasing down forms. All of it lands on your desk.
Agency workarounds
When procurement clears a creator, the moment's passed. Teams route through agencies to move faster.
With Lumanu
Same-day activation
Onboard Lumanu once. Every creator and agency gets paid through Lumanu. No new AP entries, ever.
Zero Back and Forth
Lumanu handles creator onboarding and support. Creators see payment status in real time.
One invoice
Fund your account by campaign or budget cycle. One invoice, full visibility across every creator and agency.
Built-in compliance
End-to-end tax compliance, global payments in 180+ countries. Handled by Lumanu.
Direct creator relationships
Move on any creator opportunity immediately. No vendor queue, no agency workaround, no waiting.
Why Lumanu?
A side-by-side look at what changes when you bring Lumanu into your payments workflow.
❌
Without Lumanu
6–8 week onboarding
Every new creator requires a separate AP setup. 7 to 20 steps, 6 to 8 weeks, before you can pay anyone.
10+ emails per vendor
Marketing wants to move fast. Finance needs controls. "Where's my money emails" land in your inbox.
Multiple invoices
Individual invoices from every vendor, chased manually, approved separately, tracked in spreadsheets.
Manual tax compliance
W-9s, W-8s, 1099 filings, chasing down forms. All of it lands on your desk.
Agency workarounds
When procurement clears a creator, the moment's passed. Teams route through agencies to move faster.
With Lumanu
Same-day activation
Onboard Lumanu once. Every creator and agency gets paid through Lumanu. No new AP entries, ever.
Zero Back and Forth
Lumanu handles creator onboarding and support. Creators see payment status in real time.
One invoice
Fund your account by campaign or budget cycle. One invoice, full visibility across every creator and agency.
Built-in compliance
End-to-end tax compliance, global payments in 180+ countries. Handled by Lumanu.
Direct creator relationships
Move on any creator opportunity immediately. No vendor queue, no agency workaround, no waiting.
Why Lumanu?
A side-by-side look at what changes when you bring Lumanu into your payments workflow.
❌
Without Lumanu
6–8 week onboarding
Every new creator requires a separate AP setup. 7 to 20 steps, 6 to 8 weeks, before you can pay anyone.
10+ emails per vendor
Marketing wants to move fast. Finance needs controls. "Where's my money emails" land in your inbox.
Multiple invoices
Individual invoices from every vendor, chased manually, approved separately, tracked in spreadsheets.
Manual tax compliance
W-9s, W-8s, 1099 filings, chasing down forms. All of it lands on your desk.
Agency workarounds
When procurement clears a creator, the moment's passed. Teams route through agencies to move faster.
With Lumanu
Same-day activation
Onboard Lumanu once. Every creator and agency gets paid through Lumanu. No new AP entries, ever.
Zero Back and Forth
Lumanu handles creator onboarding and support. Creators see payment status in real time.
One invoice
Fund your account by campaign or budget cycle. One invoice, full visibility across every creator and agency.
Built-in compliance
End-to-end tax compliance, global payments in 180+ countries. Handled by Lumanu.
Direct creator relationships
Move on any creator opportunity immediately. No vendor queue, no agency workaround, no waiting.
How it works
Set up once. We handle the rest.
step 1
Onboard Lumanu as your one vendor
Your finance team onboards Lumanu once. One vendor setup. One MSA. Done.
step 2
Fund your account
Pay a single funding invoice. Your funds sit in a dedicated bank account - segregated, visible, and controlled by you.
step 3
Add and approve payments
Your team adds and approves payments via CSV, your existing tools, or in Lumanu’s dashboard. Lumanu handles vendor onboarding and compliance.
step 4
Lumanu pays — and handles everything after
Creators get paid fast in their local currency. Any support questions, tax forms, or payment issues? That’s us, not you.
How it works
Set up once. We handle the rest.
step 1
Onboard Lumanu as your one vendor
Your finance team onboards Lumanu once. One vendor setup. One MSA. Done.
step 2
Fund your account
Pay a single funding invoice. Your funds sit in a dedicated bank account - segregated, visible, and controlled by you.
step 3
Add and approve payments
Your team adds and approves payments via CSV, your existing tools, or in Lumanu’s dashboard. Lumanu handles vendor onboarding and compliance.
step 4
Lumanu pays — and handles everything after
Creators get paid fast in their local currency. Any support questions, tax forms, or payment issues? That’s us, not you.
How it works
Set up once. We handle the rest.
step 1
Onboard Lumanu as your one vendor
Your finance team onboards Lumanu once. One vendor setup. One MSA. Done.
step 2
Fund your account
Pay a single funding invoice. Your funds sit in a dedicated bank account - segregated, visible, and controlled by you.
step 3
Add and approve payments
Your team adds and approves payments via CSV, your existing tools, or in Lumanu’s dashboard. Lumanu handles vendor onboarding and compliance.
step 4
Lumanu pays — and handles everything after
Creators get paid fast in their local currency. Any support questions, tax forms, or payment issues? That’s us, not you.
Lumanu works with
how you already work
Lumanu isn't a rip-and-replace. Add it as the payment service layer alongside your existing platforms, agencies, and finance systems. No workflow changes required.
Finance & Procurement Tools
Marketing Platforms
Agency Partners
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Before Lumanu, we had two bad options: onboard vendors directly into our finance system, which takes weeks, or route work through an agency, which was costly and made it harder to build direct relationships. With Lumanu, onboarding any vendor for any project takes minutes — giving us speed, savings, and stronger partnerships.”
Tina Rossell
Marketing Operations
PepsiCo
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width="51.05980306632759px"/></g></svg>)
Lumanu has been a game changer for us. We are a small team running 50 to 80 influencer partnerships a month. Lumanu saves us and our Finance team hours and hours of valuable time that can be spent elsewhere.”
Danielle Ito
Influencer Marketing Manager
Notion
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Before Lumanu, our AP team was buried in W9s/1099s, incorrect influencer invoices, and delayed payments. Now we process thousands of influencer payments through Lumanu as one compliant partner. Finance finally has visibility and control without slowing down our marketing teams.”
Nick Wagner
VP of Finance & Ops
Warner Music Group
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51.465 11.001 52.129 11.437 52.414 12.109 C 52.625 12.607 52.602 13.172 52.35 13.651 C 52.098 14.13 51.644 14.471 51.113 14.582 C 50.582 14.693 50.028 14.561 49.605 14.222 C 49.181 13.884 48.933 13.375 48.927 12.834 C 48.915 12.351 49.1 11.884 49.44 11.54 C 49.78 11.195 50.246 11.002 50.731 11.006 Z M 51.139 10.225 C 52.425 9.341 53.93 8.827 55.49 8.738 C 58.647 8.738 60.076 10.257 60.076 13.016 L 60.076 20.631 C 60.076 21.701 60.484 22.118 61.365 22.118 C 61.708 22.113 62.046 22.033 62.353 21.883 L 62.353 22.043 C 61.726 23.349 60.369 24.151 58.916 24.075 C 56.918 24.075 55.823 22.856 55.823 20.631 L 55.823 13.272 C 55.823 11.133 54.126 10.331 51.139 10.331 L 51.139 10.224 Z M 86.585 9.07 C 85.157 9.476 84.212 11.444 84.212 14.856 C 84.212 18.621 86.113 20.984 89.239 20.984 C 90.93 21.117 92.572 20.378 93.589 19.027 L 93.793 19.155 C 93.366 20.592 92.484 21.853 91.278 22.75 C 90.072 23.646 88.606 24.13 87.101 24.129 C 82.439 24.129 79.958 20.61 79.958 16.642 C 79.895 14.751 80.537 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25.669 73.159 25.401 74.276 25.401 C 76.178 25.401 76.629 26.043 76.693 27.123 C 76.822 29.519 72.397 31.016 69.808 31.016 C 67.219 31.016 66.586 30.032 66.586 28.471 C 66.552 27.77 66.855 27.095 67.402 26.653 L 67.306 26.514 C 65.297 26.888 63.084 28.171 63.084 29.422 C 63.084 30.952 64.76 31.915 67.843 32 C 76.543 32.182 79.067 27.316 79.067 24.599 C 79.067 21.883 77.434 20.845 74.341 20.845 Z M 76.478 9.947 L 76.327 10.182 L 79.754 11.54 L 80.291 8.567 Z M 16.176 18.438 L 13.663 23.861 L 12.213 23.861 L 4.576 4.781 C 3.33 1.69 2.009 0.503 0 0.257 L 0 0 L 12.664 0 L 12.664 0.299 C 10.967 0.418 9.946 0.941 9.946 2.374 C 10.06 3.436 10.366 4.469 10.849 5.422 Z M 22.987 3.562 C 23.008 5.028 22.138 6.362 20.783 6.939 C 19.428 7.516 17.858 7.22 16.808 6.19 C 15.759 5.161 15.438 3.603 15.997 2.246 C 16.555 0.888 17.882 0.001 19.356 0 C 20.31 0 21.225 0.374 21.904 1.04 C 22.583 1.707 22.972 2.612 22.986 3.562 Z" fill="rgb(255, 255, 255)" height="32.00533272430162px" id="gX4r9HDr6" transform="translate(0 0.053)" width="93.79272903282255px"/></g></svg>)
Lumanu is going to save you time. Lumanu is going to save you money. You're going to have better relationships. You don’t need to spend time on back-office processes, which is not a value add. Lumanu gives you time back to focus on what matters."
Vickie Segar
CEO & Founder
Village Marketing, a WPP agency
Lumanu has been a game changer for us. We are a small team running 50 to 80 partnerships a month. Lumanu saves us and our Finance team hours and hours of valuable time that can be spent elsewhere.”
Danielle Ito
Influencer Marketing Manager
Notion
Before Lumanu, vendor onboarding was a massive headache for our finance and operations teams. We were chasing down tax forms, verifying banking info, and fielding questions from creators and freelancers who couldn't get set up. Since switching to Lumanu, all of that's gone. They handle everything."
Kevin White
CFO
Acceleration Partners
“Before Lumanu, our AP team was buried in W9s/1099s, incorrect vendor invoices, and delayed payments. Now we process thousands of vendor payments through Lumanu as one compliant partner. Finance finally has visibility and control without slowing down our marketing teams.”
Nick Wagner
VP of Finance & Ops
Warner Music Group
"Before Lumanu, we had two bad options: onboard vendors directly into our finance system, which takes weeks, or route work through an agency, which was costly and made it harder to build direct relationships. With Lumanu, onboarding any vendor for any project takes minutes giving us speed, savings, and stronger partnerships."
Tina Rossell
Marketing Operations
PepsiCo
Lumanu has been a game changer for us. We are a small team running 50 to 80 partnerships a month. Lumanu saves us and our Finance team hours and hours of valuable time that can be spent elsewhere.”
Danielle Ito
Influencer Marketing Manager
Notion
Before Lumanu, vendor onboarding was a massive headache for our finance and operations teams. We were chasing down tax forms, verifying banking info, and fielding questions from creators and freelancers who couldn't get set up. Since switching to Lumanu, all of that's gone. They handle everything."
Kevin White
CFO
Acceleration Partners
“Before Lumanu, our AP team was buried in W9s/1099s, incorrect vendor invoices, and delayed payments. Now we process thousands of vendor payments through Lumanu as one compliant partner. Finance finally has visibility and control without slowing down our marketing teams.”
Nick Wagner
VP of Finance & Ops
Warner Music Group
"Before Lumanu, we had two bad options: onboard vendors directly into our finance system, which takes weeks, or route work through an agency, which was costly and made it harder to build direct relationships. With Lumanu, onboarding any vendor for any project takes minutes giving us speed, savings, and stronger partnerships."
Tina Rossell
Marketing Operations
PepsiCo
For Marketing Teams
For Marketing Teams
Stop spending time on
things that aren't your job.
Lumanu handles vendor onboarding and payments so you can focus on execution. No more chasing finance, no more "where's my money?" emails, no more getting blocked before you've even started.
For Finance & Procurement
For Finance & Procurement
One vendor. Full visibility. Zero compliance risk.
Lumanu is your single vendor of record. Consolidated invoicing, built-in tax compliance, multi-step approval workflows, and a complete audit trail — all without slowing down your marketing team.
For Creators & Talent
For Creators & Talent
Get paid in days, not months.
Creators self-onboard once, track payments in real time, and get paid in their local currency — with no surprise fees. No more chasing brands for payment status.
Still not sure that
Lumanu is right for you?
Let ChatGPT or Perplexity do the thinking for you.
Click a button and see what your favorite AI says about Lumanu
Let ChatGPT or Perplexity do the thinking for you. Click a button and see what your favorite AI says about Lumanu
Stop spending time on things that aren't your job.
Let Lumanu handle payments. You handle the marketing.
Stop spending time on things that aren't your job.
Let Lumanu handle payments. You handle the marketing.
Stop spending time on things that aren't your job.
Let Lumanu handle payments. You handle the marketing.
FAQ
FAQ
Take a deeper dive into Lumanu and how it works.
Take a deeper dive into Lumanu and how it works.
How long does it take to get set up?
We already use an agency / CreatorIQ / [platform]. Do we have to change anything?
What does Finance need to approve?
How does Lumanu handle 1099s and tax compliance?
Can Lumanu handle international payments?
What happens when something goes wrong with a payment?
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© 2025 Lumanu, Inc. All Rights Reserved.
Platform
Solutions
By Role
By use case
By BUSINESS TYPE
© 2025 Lumanu, Inc. All Rights Reserved.
Platform
Solutions
By Role
By use case
By BUSINESS TYPE
© 2025 Lumanu, Inc. All Rights Reserved.