Digital products
Payment orchestration for courses, memberships and software
Digital businesses sell instantly and globally, often on recurring plans. LumniPay improves approvals across countries and keeps memberships billing.
The challenge
What gets in the way today.
Global card mix
Buyers from many countries means approval rates that vary widely by issuer and region.
Membership churn
Failed renewals quietly cancel members who still want access.
Fraud and card testing
Instant delivery attracts fraudulent orders and automated card testing.
How LumniPay helps
Payment infrastructure built for this model.
Routing by country and BIN
Send international cards to the MIDs that approve them best.
Memberships and plans
Recurring billing with trials and custom intervals for courses, communities and software.
Smart renewal retries
Retry failed renewals on a schedule and on backup MIDs.
Velocity limits and block rules
Stop card testing and repeat abuse before it reaches your processor.
Upsells after purchase
Offer upgrades, bonus modules or annual plans with a single click.
FAQ
Common questions.
Can I route international customers differently?
Yes. Routing rules can use issuing country, currency and BIN to send each card to the most suitable MID.
Do you support memberships with trials?
Yes. Free and paid trials, monthly or custom intervals, and dunning for failed renewals are all supported.
How do I protect against card testing?
Velocity limits cap attempts per card, email and IP, and block rules stop known bad sources before authorisation.
Can I offer an annual upgrade after purchase?
Yes. A post-purchase upsell can switch or add a plan, charged with the stored token.