Modern Payments for the Modern World

Welcome to Lüt, the world’s most modern payment platform.

Our mission is to offer payment solutions that allow merchants and consumers to transact business in almost any industry. We combine traditional card network processing with emerging real-time payment technology and our own homegrown private payment rails to offer a holistic suite of payment solutions capable of meeting almost any need.

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Beyond your typical payment processor

Smiling woman with curly hair holding a credit card in a clothing store.

Card Payments

If all you need is traditional card processing, we've got you covered. We offer competitive rates, superior service, specialized industry expertise and the ability to handle businesses operating across industries with varied risk profiles.

Real-Time Payments

Operating a business that needs instant settlement of either inbound or outbound funds? Not a problem. We can set you up with real-time payment technology that avoids card network restrictions and eliminates the delays and chargeback risks of ACH processing.

Smartphone screen showing a notification saying 'Your funds transfer is now ready for your approval' with the time 9:31 and date Friday, April 3.
Smiling male cashier in a plaid shirt holding a card payment terminal while a customer taps their phone to pay.

Mobile Payments

Looking for a way to get rid of cash but access to traditional card processing is prohibited or too expensive? Problem solved. Lüt’s revolutionary mobile payments app offers a cashless solution for merchants and consumers doing business in both traditional and high-risk industries.

Every merchant deserves payment solutions that elevate its business

Why should you miss out just because of the business you're in?

At Lüt, we serve both traditional and high-risk industries. We do our level best to leave no merchant or consumer behind. How? By augmenting traditional open-loop card processing with Lüt’s revolutionary closed-loop payments platform and emerging real-time payments technology.

Corner flower shop with striped awnings and vibrant pink and orange flowers outside a black-framed entrance.
Two women shopping and talking with a store employee at a boutique clothing shop.

Traditional Merchants

If good is good, isn’t better better? Lüt provides superior service with competitive pricing for traditional card processing while offering access to our real-time payment and mobile payments app – all in one place.

High-Risk Merchants

Frustrated because you can’t run payments across the traditional card networks? Stuck using workarounds that could get shut down at any minute? Those days are over. Lüt’s revolutionary mobile payments app runs on our own homegrown private payment rails. Better yet, we have built in features that address the challenges of high-risk industries.

Person entering West Bay Botanicals store with plants and flowers arranged outside.

Every reseller craves near universal merchant coverage to accelerate portfolio growth

Quit leaving money on the table because certain merchants are too hard to place

Lüt’s comprehensive mix of payment solutions helps resellers maximize their revenue potential by expanding their coverage across a broader set of merchants within traditional and high-risk industries.  Join the Lüt reseller network and don’t leave another opportunity behind.

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Experience that matters

Retail

Retailers can process traditional card transactions while building customer loyalty through a pre-paid store-card like experience within the Lüt mobile payments app.

High-Risk

Lüt provides compliant payment solutions for highly regulated and cash intensive businesses, enabling them to reduce cash handling for both in-store and online transactions.

Municipalities

Public sector organizations can consolidate payment collection into a single unified platform that delivers a comprehensive view of payment collections across the entire municipality.

Franchises

Standardized, reliable card payment solutions with pre-negotiated pricing bring peace of mind to franchisers, allowing them to focus on growing their business.

Online Gaming

Lüt facilitates instant deposits and withdrawals for online gaming platforms - mitigating fraud and chargeback risk.

Higher Education

Colleges and universities can offer their students digital access to meal plan and excess student loan funds to spend on campus or at local participating Lüt merchants.