How does Lumanu compare to Stripe Connect?
Why build complex compliance and treasury logic on a generalist API? Lumanu's specialized Creator Payout API is ready out-of-the-box. Lumanu drastically reduces your development time, support overhead, and tax compliance liability.
our unique value
General Purpose
vs. Creator Specific
Why Lumanu?
Engineering Simplicity, Built-in Support and Compliance.
Skip expensive custom development and maintenance. Lumanu helps you achieve lower operating costs and reduce engineering time spent on payment infrastructure support and maintenance.
Simplified Vendor Onboarding & Management
The Problem: Stripe Connect requires you to build custom logic to handle errors, partial states, and sequential steps during creator onboarding.
The Lumanu Solution: Achieve faster time-to-market by using our single, integrated onboarding API. Lumanu handles all state management and error handling out-of-the-box. This simplification extends to supporting complex entity structures like Loan-Out Companies and Agencies natively.
Global Payouts & Zero Debugging
The Problem: Payout failures due to limited banking options. Manual support and debugging consume support and engineering time.
The Lumanu Solution: Drastically reduce support support and ENG effort with our superior global coverage and dedicated creator support. Lumanu offers out-of-the-box payout options (including PayPal) and local rails with global banking relationships. We handle all Tier 1/2 creator support, freeing your team from debugging payout and onboarding issues.
Enterprise Funding & Flexibility
The Problem: Large companies require a defined and auditable funding process that is not supported by Stripe Connect.
The Lumanu Solution: Streamline your treasury operations. Easily generate a finance-ready invoice for your customers or platform to fund dedicated Lumanu account(s). Our native wallet system provides the flexibility to support platforms IN or OUT of the money flow.
Lumanu handles W9s, TIN validation and 1099 filing
The Problem: Using a Stripe Connect means your platform or customer should manage hundreds of creators as individual vendors, each with their own tax and compliance needs.
The Lumanu Solution: We eliminate your tax compliance. Lumanu acts as your single vendor, handling the collection, verification, and filing of all necessary W-9/W-8 forms with the IRS. Save time and operational costs.
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.
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.
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Comprehensive API Docs
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Full-Featured Sandbox
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Dedicated Developer Support
