Canadian Compliance and Payments with Lumanu.
Elevate your relationships and performance with a world-class creator payments solution.
Fast EFT Payments
Pay your Canadian freelancers efficiently in CAD using Electronic Funds Transfer (EFT), ensuring funds arrive quickly and reliably via local banking networks.
Canadian compliance and tax support
Simplify compliance with Canadian tax requirements. Lumanu collects and validates Business Numbers (BN) or Social Insurance Numbers (SIN) and handles GST/HST/PST complexities on freelancer invoices.
Dedicated CAD Account & USD Flexibility
Utilize a dedicated Lumanu CAD account for streamlined Canadian operations. We also support USD pay-in and pay-out, offering flexibility for Canadian companies engaging US-based freelancers.
Focus on Relationships, not Canadian Compliance Admin
Lumanu streamlines complex Canadian compliance processes, speeds up payments, and gives teams better visibility and control over payment workflows and Marketing campaign budgets.
Navigating Canadian Sales Tax (GST/HST/PST)
Simplify the complexities of varying provincial sales taxes. Lumanu helps ensure the correct GST/HST/PST rates are applied based on freelancer location and status, streamlining compliance and reporting to the CRA.
Effortless Compliance Info Collection (BN/SIN)
Ensure accurate reporting by seamlessly collecting necessary compliance information during onboarding. Lumanu securely gathers Business Numbers (BN) or Social Insurance Numbers (SIN) as required for Canadian regulations. Lumanu handles non-resident withholdings related to regulation 105 including CRA waivers.
Flexible Cross-Border Payments (CAD & USD)
Easily manage payments for both Canadian and US-based freelancers. Lumanu's support for both CAD and USD transactions from your Canadian entity simplifies foreign exchange management and broadens your talent pool.

Financial Controls for Marketing & Creative Spend
Gain granular budget tracking per campaign/project, implement approval workflows mirroring internal policies, access detailed audit trails for every payment, simplify reconciliation through consolidated invoicing, and reduce risk by centralising vendor data and payments through a single master vendor relationship.
Lumanu is the clear solution for Canadian creator payments
Lumanu is a global, enterprise-ready solution for brands and agencies working with creators worldwide. Lumanu provides enterprise-grade financial controls, global tax compliance as a Vendor of Record, and customisations to support multiple offices, teams, and workflows.
FAQs
Take a deeper dive into Lumanu and how it works.
Why not just have our Finance team pay vendors?
Lumanu eliminates back-and-forth with Finance and vendors. Instead of managing multiple setups, tracking payments, and status inquiries, you work with Lumanu as a single vendor. Vendors get paid faster, Finance stays in control, and you save hours.
Will my vendors want to get paid via Lumanu?
Yes! Lumanu is trusted by 100,000+ vendors. Most are already in our payee network, and new vendors can onboard in minutes via a simple self-service process. Payments go directly to their bank in their preferred currency.
Is Lumanu Secure?
Yes! Lumanu adheres to the highest security standards, including SOC 2, ISO 27001, GDPR, and CCPA compliance. Our enterprise-grade security features include 2FA, role-based access, and bank-level encryption. To date, we've processed over $800M in payments for brands including Airbnb, Notion, and WPP.
Will my Finance team approve Lumanu?
Yes! Finance teams love Lumanu because we act as a single vendor while managing tax compliance and regulatory requirements. We provide enterprise-grade controls and detailed reporting for reconciliation.
We work with an agency. Can we still use Lumanu?
Yes! Lumanu works alongside agencies. Many brands use Lumanu for direct vendor payments while agencies handle strategy and creative direction—often leading to significant cost savings.
How much does Lumanu cost? How fast can I start?
Lumanu offers flexible pricing: pay-per-project for flexibility or an annual flat-rate plan for predictability. Teams are up and running in under a month—no technical integration required. We handle vendor onboarding and provide dedicated support.