Luminous Payments Review

Home / Reviews / Luminous Payments Review

Application & Approval Process


Rates & Fees


Contract Terms


Customer Support & Benefits

View Rates

Luminous Payments


Luminous Payments is a provider of Merchant Services that specializes in payment processing for small and medium-sized businesses. The company enables companies to set up systems that make it possible for them to receive payments through a variety of platforms. Not only can client businesses accept Visa, MasterCard, Discover, and American Express with Luminous Payments, but they can also be set up to accept payments via digital wallets such as Apple Pay and Samsung Pay. Luminous provide a variety of resources and services, with the goal of assisting small businesses in achieving success. The company offers a range of pricing options and are able to customize packages to meet the requirements of individual customers. From the typical terminal used in small businesses to larger Point of Sale Devices that can help manage staff time clocks, scheduling, loyalty programs, inventory, and a great deal more, there are a variety of options available. They have access to a wide variety of cutting-edge pieces of equipment. Luminous Payments is pleased to provide payment solutions for a virtually unlimited variety of businesses, ranging in size and scope.

Service Terms

The terms and conditions to be clients of luminous payments include;
  • Users must be 18 years and above
  • Clients must agree to use services only as outlined in the terms
  • Third-party services must include links to websites or other digital assets, and users are allowed to evaluate third-party services to voice their opinions, suggestions, and thoughts.

Rates and Fees

Luminous payments' flat-rate pricing option removes the guesswork from card payments. Their Flat Rate pricing plan is great for small businesses that don't want to pass on processing costs to merchants via Cash Discount or Surcharge, but also don't like the variable rates charged under Interchange Plus and Tiered rate pricing choices. They consider the best for similar services. They also offset 100% of the client’s processing cost. Lastly, they measure the interest in products by the number of users who visit the website and the conversion rate

Services Offered

The services offered by Luminous Payments include;
  • Luminous Payments offers payment solutions to a variety of businesses
  • Help clients choose the proper pricing model and company equipment
  • Help business advertises.


  • Highly secured
  • Different Processing solutions
  • Flexible pricing Structured

Not for It

  • Luminous payments services are only available in the US

Customer Service

To provide customers with competent assistance around the clock, Luminous Payments Services provides both toll-free phone numbers and an online contact form on the company's website. Additionally, the company has a presence on the social networking sites Facebook, Instagram, and Twitter. Telephone Number-  +1 800-719-6545 Address - 2127 E Olsen Rd, Thousand Oaks, CA 91360


Luminous payments give back to the communities in which they live by actively participating in and contributing to charities, schools, sports teams, dance teams, and other organizations. They are interested in the communities that they are involved in and are intimate with the people as is reflected in their services. The wide variety of payment options they have helped expand businesses since they can accept many forms of payment.
Additional Reviews

Leaders Merchant Services is a California-based company offering payment processing... Read Review

Flagship Merchant Services is based in California and is one... Read Review

National Processing is a leading ACH payment processor and an... Read Review