Cross-border B2B payments

Move business money across borders.

Issue cards, send global payouts and reconcile every transaction through a single integration — built for finance teams that move fast.

Cards and payment processing are provided through our licensed partner institutions.
Available balance · EstoniaLive
$1,204,338.21
Acme Logistics
SWIFT · settled
−$48,200.00
+
Client pool
SEPA · processed
+$250,000.00
Card •••• 5863
authorization
−$1,204.40
Powering payments for modern businesses NorthwindLumioCargologicVerdantAtlas Pay
Platform

Everything you need to move money worldwide.

One integration for issuing, payouts and reconciliation — assembled from reliable, composable building blocks.

Card issuing

Spin up branded virtual and physical cards for teams and partners across regions in minutes.

Global payouts

Pay suppliers and contractors in 190+ markets over local rails and SWIFT with predictable settlement.

Reconciliation

Every authorization and settlement matched automatically and streamed to your ledger in real time.

One ledger for every flow

Client pools, card balances, fees and FX — unified in a single source of truth your finance team can trust.

  • Two-stage authorization and settlement tracking
  • Automatic fee and FX attribution
  • CSV and API export for accounting
Acme Logisticssettled−$48,200.00
Client poolprocessed+$250,000.00
Card •••• 5863in hold−$1,204.40
Provider feesettled−$92.10

Built for developers

A clean, signed API and real-time webhooks. Ship your first transaction in an afternoon.

  • Idempotent money-movement endpoints
  • Signed webhooks for every event
  • Sandbox and production parity
# issue a card
POST /cards/v1/issue
{
  "product": "S00E0000000",
  "amount": 1000,
  "currency": "USD"
}
→ 200 { status: "issued" }
Card issuing
Global payouts
Reconciliation

Start moving money with Lumera.

Go live with cards, payouts and reconciliation on one platform.

Get started