Billing infrastructure, built by people who run it.
Luminai Tech Limited builds management software for property, schools, retail, gyms and campaigns. LuminaiPay is the billing engine underneath all of it — written once, run in production, then opened up.
One engine, and the products that sit on it.
Three layers, built in that order, because each one existed before the next one needed it.
The billing engine
Recurring invoices, subscription cycles, proration, grace periods and reminders. Configure the rules once and the cycle runs without anyone opening a spreadsheet.
The orchestration layer
One interface over the mobile money and card gateways you already use, with routing, retries and a single reconciled ledger across all of them.
The platforms on top
Property, school, retail, gym and crowdfunding products, each built on the same engine and each available under your own brand.
Four things we do not trade away.
No processor lock-in
You keep your merchant agreements, your settlement terms and your margins. We sit above your gateways, not in place of them, and money never passes through us. If you leave, your rails are still yours.
The team that answers maintains it
Integration questions go to the engineers who wrote the code, not to a tier that escalates. It is a small enough team for that to be true and we would rather keep it that way.
Plain language, including here
Our error messages say what happened and what to do about it. Our terms are written to be read. If something we have written needs a translation, that is our mistake.
Built in production first
Every capability in the platform existed because one of our own products needed it and ran it at volume. Nothing ships here as a demo.
We built this because we needed it.
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.
Five desks, one ledger.
The verticals the engine already bills for. Each one is a product we run, and each is available white-label under your own brand.
Property
Rent, service charge and deposit collection across units and landlords.
Schools
Termly fees, instalment plans and arrears tracking across large parent bases.
Retail POS
Counter payments reconciled against the same ledger as everything else.
Gyms and fitness
Recurring memberships, freezes and failed-payment recovery.
Crowdfunding
Campaign contributions collected across mobile money and card rails.
Custom software
Enterprise systems with the financial workflow designed in from the start.
Platform examples on this site are composite scenarios drawn from the products Luminai Tech Limited runs today.
Ready to automate your billing and collections?
Connect your gateway, define your cycles, and let LuminaiPay handle the rest.
No processor lock-in. Talk to our team before you commit.