LuminaiPay powers recurring billing, invoice automation, and multi-channel payment processing for specialized enterprise software and custom applications. Connect the gateways you already use and start collecting in days, not quarters.
Already running billing for property, education, retail, fitness, and crowdfunding platforms.
Somewhere behind this payment there is a spreadsheet, a paybill statement, and someone matching one to the other. That is the part LuminaiPay takes over.
Every SaaS product eventually hits the same wall: invoices generated by hand, reconciliation done in spreadsheets, and a payments integration that swallows a full quarter of engineering time. LuminaiPay takes the entire billing layer off your roadmap so your team ships product instead of payment plumbing.
Four building blocks that cover the full cycle, from the first invoice to reconciled payment.
Schedule recurring invoices, generate bills automatically, and run entire billing cycles without manual intervention. Set the rules once and let the cycle repeat.
Collect recurring internal subscription fees or process direct customer payments on behalf of your clients. One engine handles both models.
Integrate directly with the local and global providers you already trust, across mobile money and card rails. No forced processor, no locked rails.
Drop subscription and collection pipelines into your existing web or mobile platform with minimal development overhead. Clean REST endpoints, predictable webhooks, straightforward docs.
What automated billing actually changes depends on who was doing it by hand. Here is what it looks like in three of the businesses we build for.
Invoices went out as a mail merge on the 27th. Tenants paid into three different paybills, some with the wrong reference. The first week of every month went to matching statements against the tenancy list, and by the time arrears were visible they were already thirty days old.
Now the rent roll issues itself on schedule, every payment is matched back to a unit as it lands, and reminders escalate without anyone sending them.
Fees differ by grade, boarding status and bursary, so the office rebuilt the invoice list every term by hand and followed up by phone. Schedules now generate from the fee structure itself, reminders run on the cadence the school sets, and the balance a parent sees is the balance in the ledger.
Members paid at the desk, renewals lapsed quietly, and nobody knew who had gone until the pass stopped scanning. Charges now run on each member’s own cycle, failed collections retry on an escalating schedule, and a lapse shows up before the member walks out the door.
Composite scenarios drawn from the platforms Luminai Tech Limited runs today.
Link the payment providers you already use. Your merchant accounts, your settlement, your existing relationships.
Set your cycles, tiers, proration, grace periods, and reminder schedules. Configure once and LuminaiPay runs it on schedule.
Invoices go out automatically, payments come in across every channel, and your ledger stays in sync in real time.
No migration project. No rip and replace.
LuminaiPay sits above your payment providers, not in place of them. Keep your existing merchant agreements and settlement terms while LuminaiPay handles the orchestration, retries, and reconciliation across every channel you connect.
Connect the provider you already use on each channel. Additional channels and providers supported on request.
Luminai Tech Limited builds complete industry management platforms, each one wired into LuminaiPay for billing and collection workflows out of the box.
Automated rent invoicing, service charge billing, and tenant payment tracking across your entire portfolio.
Tuition schedule generation, fee collection tracking, and automated payment reminders to parents.
High-throughput checkout billing, integrated payment terminal support, and real-time ledger sync.
Recurring membership auto-billing, access pass renewals, and member collection tracking.
Multi-tier pledge collection, campaign subscription tracking, and structured payout management.
Tailored software built to your operational requirements, with financial workflows designed in from day one.
Every platform Luminai Tech Limited builds is available as a white-label product. Launch a property, education, retail, fitness, or crowdfunding platform under your own brand identity, domain, and design system, fully backed by LuminaiPay’s financial engine.
Explore White-Label PlatformsCreate subscriptions, trigger invoices, and reconcile collections with a handful of endpoints. Webhooks fire on every state change so your application always knows where a payment stands. Sandbox environment included.
{
"customer": "cus_8Q2K41",
"plan": "pro_monthly",
"gateway": "gw_7F3M22",
"cycle_anchor": "2026-10-01",
"retry_policy": "escalating"
}running subscription revenue at scale
shipping custom applications that need collections built in
managing property, schools, gyms, retail, or campaigns
replacing manual invoicing and spreadsheet reconciliation
Luminai Tech Limited builds management software for property, schools, retail, gyms and campaigns. Every one of those products needed the same thing underneath: a billing engine that could speak to a paybill and a card processor in the same breath and keep one honest ledger.
We wrote it once, ran it in production across those platforms, and then opened it up. The team that answers your integration questions is the team that maintains it.
Connect your gateway, define your cycles, and let LuminaiPay handle the rest.
No processor lock-in. Talk to our team before you commit.