The Payments API Built for the Creator Economy.

The definitive payments API for the creator economy. Manage global payouts to 180+ countries, compliance, and tax with one streamlined solution.

Meet with Lumanu

View API docs

$1.2B+

Payments Made

100K+

Vendors Onboarded

400K+

Invoices Automated

180+

Countries Supported

Your Platform is Specialized.
Your Payments Should Be, Too.

Payment Processing

Tax Forms (W9 / 1099)

Finance Controls

Payout Method Variety

Global Compliance

Global Payouts & FX

Dedicated Support

Creator Onboarding

Payment Processing

Tax Forms (W9 / 1099)

Finance Controls

Payout Method Variety

Global Compliance

Global Payouts & FX

Dedicated Support

Creator Onboarding

Payment Processing

Tax Forms (W9 / 1099)

Finance Controls

Payout Method Variety

Global Compliance

Global Payouts & FX

Dedicated Support

Creator Onboarding

General-purpose APIs only solve the easy part. They leave you to build and maintain the most critical and complex pieces: the global payout infrastructure, creator-specific compliance, and finance-approved workflows.

Lumanu is different. We built a complete payment API and solution for the creator economy. We don't just give you an API, we ensure you can stop building payment plumbing and focus on your core business.

"Unlike other payment APIs, Lumanu's platform handled the underlying financial logic our clients required: vendor onboarding, local-to-local payments, tax compliance, approvals, and funding-to-disbursement workflows. Integrating with Lumanu felt less like building from scratch and more like plugging into a complete, expertly built system."

Anders Bill

Chief Product Officer

Superfiliate

Anders Bill

Chief Product Officer

Superfiliate

Anders Bill

Chief Product Officer

Superfiliate

our unique value

General Purpose
vs. Creator Specific

Features

General payment APIs
(Stripe, PayPal, Tipalti)

Onboarding & Compliance

Lumanu handles all vendor onboarding, compliance checks, and tax form collection.

You are responsible for building an onboarding flow and collecting and verifying W-9s/W-8BENs, and managing 1099s.

Money Flow

Flexible money flow is tailored to support your needs. Choose how your customers fund dedicated wallets.

Rigid, one-size-fits-all money flow requirements that don't adapt to your business model.

Global Payments

Fund in your customers' currencies, pay out to 180+ countries. Creators can withdraw in their local currency with local rails and cost-effective conversion rates.

Complex setup requiring regional entities (Stripe Connect) or high, often hidden, currency conversion fees passed on to recipients (PayPal).

Creator Experience

Lumanu's payment network was built to give creators a frictionless experience.

A fragmented and confusing experience for creators, who have to navigate multiple platforms and redundant information requests.

Support

White-glove support from a team of experts who understand the creator economy. We provide dedicated support to both you and your creators.

Generic support that doesn't understand the nuances of the creator economy. You and your creators are left to fend for yourselves.

Request a Demo

Request a Demo

General payment APIs

Onboarding & Compliance

Lumanu handles all vendor onboarding, compliance checks, and tax form collection.

You are responsible for building an onboarding flow and collecting and verifying W-9s/W-8BENs, and managing 1099s.

Money Flow

Flexible money flow is tailored to support your needs. Choose how your customers fund dedicated wallets.

Rigid, one-size-fits-all money flow requirements that don't adapt to your business model.

Global Payments

Fund in your customers' currencies, pay out to 180+ countries. Creators can withdraw in their local currency with local rails and cost-effective conversion rates.

Complex setup requiring regional entities (Stripe Connect) or high, often hidden, currency conversion fees passed on to recipients (PayPal).

Creator Experience

Lumanu's payment network was built to give creators a frictionless experience.

A fragmented and confusing experience for creators, who have to navigate multiple platforms and redundant information requests.

Support

White-glove support from a team of experts who understand the creator economy. We provide dedicated support to both you and your creators.

Generic support that doesn't understand the nuances of the creator economy. You and your creators are left to fend for yourselves.

features

A Deeper Look at the Lumanu Platform

Here’s how our creator-centric features translate into growth for your platform and a better experience for your users.

Flexible Money Flow

Lumanu provides money flow options based on your needs. The Lumanu API makes it easy for your platform to track account balances and full ledger activity.

Receive customer funds and allocate to subledgers or have your customers directly fund dedicated Lumanu wallets.

Set up pre-funding workflows to draw down from a balance or fund to process line-item payouts via itemized invoicing.

Full-Service Tax & Compliance

Say goodbye to tax and compliance headaches. We assume the risk so you can focus on your business. Lumanu takes on:

Vendor Onboarding

Vendor Support

Compliance Checks

1099 Issuance

W-9/W-8BEN Collection

Finance-Approved Workflows

Lumanu provides out-of-the-box permissions and supports your custom workflows so you don’t have to build them.

Manage access with user-based roles and permissions via the API to enforce who can access and manage payments in your platform.

Implement approval workflows to ensure every payment is authorized.

SOC-2 Type II Certified

GDPR Compliant

Enterprise-Grade & Secure

Lumanu is built on top of a robust banking infrastructure with segregated accounts for maximum security.

We are SOC 2, ISO 27001, and GDPR compliant, providing the trust and security that enterprise clients demand.

Seamless Vendor Onboarding

Our flexible vendor onboarding allows you to collect and store the information you want. Lumanu can handle the rest, from verification to full compliance.

The Lumanu API is designed for a frictionless creator experience so creators don’t need to enter the same information multiple times.

Global, Fast & Flexible Payouts

Pay creators wherever they are. With direct local to local bank transfers, push-to-card, PayPal, creators choose the method that works best for them.

Lumanu supports payouts to 180+ countries.

Your customers fund in their preferred currency and creators withdraw in theirs.

Your Payments Roadmap, Accelerated.

Our flexible, straightforward REST API provides the building blocks you need to create a sophisticated, compliant payment system that feels native to your platform. Without the burden of building it from scratch.

Explore the Docs

Request Sandbox Access

Execute Complex Payouts with a Single API Call

Stop managing complex state machines for payments. With Lumanu, you can initiate a payment with a single API call. We handle the multi-step branching logic, from compliance checks to payment method execution automatically. You tell us who to pay, and we make it happen.

Abstract away the complexity of compliance, onboarding, and payment execution into a single API call.

{
  "email": "example@creator.com",
  "amount": "500.00",
  "currency": "<ISO_CURRENCY_CODE>

{
  "email": "example@creator.com",
  "amount": "500.00",
  "currency": "<ISO_CURRENCY_CODE>

Offload PII & Compliance, Not Control

Drastically reduce your compliance overhead and security scope. Lumanu can handle the entire vendor onboarding process, collecting sensitive PII, tax forms (W-9/W-8BEN), and bank details through our secure, hosted flows. If you already have the data, you can pass it to us. It’s a flexible, hybrid approach that lets you control the user experience without taking on the risk.

Leverage our pre-built banking relationships and compliance engine to launch in days, not months.

Build Event-Driven Workflows with Webhooks

Eliminate the need for constant polling and status-checking logic in your codebase. Lumanu pushes real-time updates directly to your application for events like payment status changes, vendor onboarding completion, and account balance updates.

Focus on building your core product, not on tracking payment states or ledger balances.

Developer Resources:

Everything You Need to Build with Confidence.

📖

Comprehensive API Docs

Clear, actionable guides and a complete API reference.

⭐

Full-Featured Sandbox

Test your entire workflow.

👨🏼‍💻

Dedicated Developer Support

Expert hands on guidance from integration to launch.

FAQ

Your top questions, answered

Can we hold funds in multiple currencies via the API?

How does Lumanu's API differ from payment APIs like Stripe Connect or PayPal Payouts?

Does the API support approval workflows and other financial controls, or do we need to build those?

What are the different integration models supported (e.g., if our platform holds funds vs. our clients)?

How does the API handle compliance aspects like tax form collection or watchlist screening?

What technical resources and support are available for integration?

Can we hold funds in multiple currencies via the API?

How does Lumanu's API differ from payment APIs like Stripe Connect or PayPal Payouts?

Does the API support approval workflows and other financial controls, or do we need to build those?

What are the different integration models supported (e.g., if our platform holds funds vs. our clients)?

How does the API handle compliance aspects like tax form collection or watchlist screening?

What technical resources and support are available for integration?

Can we hold funds in multiple currencies via the API?

How does Lumanu's API differ from payment APIs like Stripe Connect or PayPal Payouts?

Does the API support approval workflows and other financial controls, or do we need to build those?

What are the different integration models supported (e.g., if our platform holds funds vs. our clients)?

How does the API handle compliance aspects like tax form collection or watchlist screening?

What technical resources and support are available for integration?

Ready to Grow Your Platform's Payment Adoption?

Stop worrying about payments and start scaling your business.

Request a Demo

Trust Center

The Payments API Built for the Creator Economy.

$1.2B+

100K+

400K+

180+

Your Platform is Specialized. Your Payments Should Be, Too.

Anders Bill

Anders Bill

Anders Bill

General Purpose vs. Creator Specific

Onboarding & Compliance

Money Flow

Global Payments

Creator Experience

Support

A Deeper Look at the Lumanu Platform

Flexible Money Flow

Full-Service Tax & Compliance

Finance-Approved Workflows

Enterprise-Grade & Secure

Seamless Vendor Onboarding

Global, Fast & Flexible Payouts

Your Payments Roadmap, Accelerated.

Execute Complex Payouts with a Single API Call

Offload PII & Compliance, Not Control

Build Event-Driven Workflows with Webhooks

Developer Resources:

Developer Resources:

FAQ

FAQ

Ready to Grow Your Platform's Payment Adoption?

Your Platform is Specialized.
Your Payments Should Be, Too.

General Purpose
vs. Creator Specific