LumniPay

Load balancing

Spread volume across MIDs and keep every account healthy

Distribute transactions with round-robin or percentage splits. Stay under MID caps, avoid concentrating risk and keep chargeback ratios in a healthy range.

01

Round-robin or split

Rotate evenly across MIDs or assign a precise percentage to each one.

02

Cap-aware

MIDs that reach their daily or monthly limit are skipped automatically.

03

Healthier ratios

Spreading volume keeps disputes from piling up on a single account.

Why concentration hurts

Sending all your volume to one MID uses up its caps quickly and concentrates disputes in one place. Chargeback ratios are calculated per account, so one bad week on a single MID can trigger a review. Balancing volume reduces that exposure.

Round-robin and percentage split

Round-robin rotates transactions evenly across a group of MIDs. Percentage split lets you weight them, for example 50% on your main account and 25% on each of two newer accounts while they ramp up.

  • Even rotation for MIDs with similar limits
  • Weighted splits for accounts with different caps
  • Separate groups per product, country or funnel

Caps that are enforced automatically

Set daily and monthly caps on each MID. As an account approaches its limit, the balancer shifts traffic to the others. When the period resets, the MID re-enters rotation.

Ramp up new MIDs safely

New accounts often come with lower limits. Start them with a small percentage, watch approval and dispute data, and increase their share as they build history.

Routing · live decision

Incoming order

$89.00

card · Visa debit

bin · 4147 09

country · US

product · subscription

rules engine

MID A · US

Visa · USD · under cap

Routed

MID B · EU

Cascade on soft decline

Backup

MID C · US

Monthly cap reached

Capped

Illustrative interface and sample data.

How it works

Load balancing, step by step.

  1. Step 01

    Create a MID group

    Select the accounts that should share a type of traffic.

  2. Step 02

    Choose a strategy

    Pick round-robin or set a percentage for each MID.

  3. Step 03

    Set caps

    Add daily and monthly limits that match each account.

FAQ

Questions about load balancing.

What is the difference between routing and load balancing?

Routing decides which MID or group should receive a transaction based on its attributes. Load balancing decides how volume is shared inside that group.

Can I change percentages at any time?

Yes. New weights apply to new transactions as soon as you save them.

What happens when every MID in a group hits its cap?

Transactions follow your fallback route. You can define a backup group so sales continue.

Does load balancing reduce chargebacks?

It does not stop disputes from happening, but it spreads them across accounts so no single MID carries a disproportionate ratio.

Can subscriptions be balanced too?

Yes. Rebills can follow the same balancing rules, since stored cards can be charged on any connected MID.

Exclusively available on Tagada

LumniPay is accessed only through Tagada.

There is no separate LumniPay sign-up. LumniPay runs inside Tagada, the e-commerce CRM, and the full onboarding process (application, review and activation) happens in Tagada. One account, one dashboard, one contract flow.

  1. 1

    Open your Tagada account

    Create or log into your Tagada workspace, the e-commerce CRM LumniPay runs inside.

  2. 2

    Apply for payments

    Submit your business details and store information directly in Tagada.

  3. 3

    Review and activation

    Your application is reviewed through Tagada. Once approved, processing is enabled on your account.

  4. 4

    LumniPay goes live

    Routing, cascades, upsells and risk rules run on your store from the Tagada dashboard.