US Compliance and Payments with Lumanu.
Elevate your relationships and performance with a world-class creator payments solution.
Fast 1-Day ACH Payouts
Pay your US-based freelancers quickly and efficiently with 1-day ACH transfers. Fund your dedicated USD account easily via consolidated invoices.
Simplified US Tax Compliance
Lumanu acts as you master vendor, taking on the tax compliance burden. We issue the necessary 1099-K forms to freelancers across our network, relieving you of the requirement to issue individual 1099s for payments made through Lumanu.
Dedicated USD Account & Global Payouts
Dedicated USD account for streamlined US operations. Lumanu facilitates efficient global payouts to your international freelancers via local payment rails.
Focus on Relationships, not US Compliance Admin
Lumanu streamlines complex US compliance processes, speeds up payments, and gives teams better visibility and control over payment workflows and Marketing campaign budgets.
Simplified US Tax Reporting (1099-K)
Offload the burden of year-end tax reporting. As your master vendor, Lumanu handles all necessary W9/W8 form collection and issues 1099-K forms directly to freelancers, removing your requirement to issue 1099-NEC/MISC forms for payments via our platform.
Efficient Domestic & Global Payments
Leverage fast and reliable 1-day ACH transfers for domestic USD payouts. Lumanu also supports efficient cross-border payments via local rails globally from your dedicated USD account.
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.

Support for Your US Freelancers
Lumanu provides dedicated support for your US-based freelancers. Common questions about completing W9 forms, understanding 1099-K reporting, or using the platform are handled by our team, ensuring a smooth experience.
Lumanu is the clear solution for US 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.