PAYMENT GATEWAY

Accept payments globally with speed and confidence

LumioGate powers seamless online payments for ambitious businesses. Bank-grade security, transparent pricing, and developer-first APIs.

Start accepting payments See how it works

Trusted by businesses across the UK and EU

VISA Mastercard AMEX Apple Pay Google Pay

Everything you need to grow

A complete toolkit for accepting, managing, and reconciling payments — built on the rails your customers already trust.

Lightning-fast checkout

Settle authorisations in milliseconds. Reduce cart abandonment with one-click pay and saved cards.

PCI-DSS Level 1

End-to-end encryption, tokenisation, and 3-D Secure 2.2 keep every transaction protected.

135+ currencies

Sell in your customers' local currency and settle in yours. Multi-region acquiring out of the box.

Developer-first APIs

REST and webhooks with battle-tested SDKs in 9 languages. Test mode, sandbox keys, and clean docs.

Real-time analytics

Live dashboards for revenue, refunds, and chargebacks. Export to your data warehouse in one click.

Smart fraud engine

Machine learning risk scoring blocks fraud before it reaches your books — without slowing legitimate buyers.

From sandbox to live in two steps

Build against a full-fidelity test environment, then flip a switch to go live.

Integrate

Drop in our hosted checkout, or use our SDKs to build a fully bespoke flow. Test mode mirrors production 1:1.

Go live

Switch to live keys and start accepting payments. Settlements straight to your nominated bank account.

Built API-first for developers

A clean, predictable REST API with idempotent requests, typed SDKs, and webhooks that actually arrive. Integrate in an afternoon.

Modern primitives, zero ceremony

Create a charge with a single POST. Authenticate with a Bearer token. Listen to events over signed webhooks. No XML, no SOAP, no proprietary middleware.

RESTful JSON API Resource-oriented endpoints, predictable error codes, semantic versioning.
Idempotency keys Retry safely. Duplicate requests with the same key return the same response.
Signed webhooks HMAC-SHA256 signatures with timestamp validation. Replay endpoint included.
OAuth 2.0 & API keys Scoped restricted keys, per-environment credentials, instant rotation.
Sandbox parity Test mode mirrors production 1:1. Simulate every card scenario, 3DS flow, and webhook event.
99.99% uptime SLA Multi-region, active-active infrastructure. Real-time status page at status.lumiogate.com.

cURL Node Python PHP Go

# Create a payment
curl https://api.lumiogate.com/v1/charges \
  -u sk_live_8f3a...c1d2: \
  -H "Idempotency-Key: order_91827" \
  -d amount=4999 \
  -d currency=gbp \
  -d source=tok_visa \
  -d description="Order #91827"

# Response — 200 OK
{
  "id": "ch_3NkZqL2eZvKYlo2C0aB9d1Xy",
  "object": "charge",
  "amount": 4999,
  "currency": "gbp",
  "status": "succeeded",
  "captured": true,
  "risk_score": 12,
  "created": 1748409600
}

Official SDKs

Node.js Python PHP Ruby Go Java .NET Swift Kotlin

Security at the core of every payment

From the moment a card number is entered, your customers' data is encrypted, tokenised, and ringfenced inside our PCI-DSS Level 1 environment.

PCI-DSS Level 1 certified
3-D Secure 2.2 with frictionless authentication
Tokenised card storage — never store raw PAN
ISO 27001 information-security framework
Real-time fraud monitoring 24/7

99.99% uptime

Multi-region redundancy with automatic failover. Independently audited.