Accept payments anywhere
Accept payments in seconds on your iPhone or Android. Powered by Stripe, built for speed. Lower fees, no contracts, no proprietary hardware.
<3s
Processing
2 min
Setup
$0
Hardware
Tap to Pay
Ready to accept
Amount
$24.00
Hold card near phone
Processing
<3 seconds
Works on
iPhone & Android
Up and running in minutes
Four simple steps to start accepting payments anywhere.
Download the App
Get Luma on your iPhone or Android. No hardware needed.
Create Your Menu
Set up products, prices, and categories in minutes.
Accept Payments
Tap to pay with any card. Apple Pay & Google Pay included.
Get Paid
Money hits your bank daily. Instant payouts available.
Built for how you work
From weddings to farmer's markets, Luma adapts to your business.
Mobile Bars
From weddings to corporate events. Accept payments, track tips, and split revenue with venues.
Food Trucks
Fast checkout for high-volume service. Works on your phone, no bulky hardware needed.
Event Vendors
Festivals, markets, and pop-ups. Switch between events instantly, track sales by location.
Pop-up Shops
Set up anywhere in minutes. No contracts, no commitments, just start selling.
Built for Mobile Bars & Pop-ups
Everything you need to run events efficiently. From setup to settlement in minutes, not hours.
Tap to Pay
Accept payments directly on your iPhone or Android. No card readers, dongles, or proprietary hardware needed.
Transparent Pricing
2.8% + $0.16. No hidden fees, no fund holds, instant payouts available.
Live Dashboard
Watch transactions flow in real-time. Track sales, tips, and inventory as they happen.
Everything else you need
Event Mode
Switch between events instantly. Clone last week's setup in one tap.
Revenue Splits
Auto-split payments between operators, venues, and promoters.
Custom Catalogs
Different menus and pricing for each venue. Switch with one tap.
Instant Reports
Export sales, tips, and best sellers to PDF or Sheets.
Multi-Device Sync
All devices stay in sync. Updates appear everywhere instantly.
Instant Payouts
Get your money fast. Access funds within minutes instead of waiting days.
See everything in real-time
Your dashboard updates live as transactions happen. No refreshing, no waiting.
Sales Today
Recent Transactions
The hidden costs they don't tell you about
Other POS systems nickel-and-dime you with extra fees. We don't.
| Features | Luma Built for Events | Square Hidden fees | Clover Hardware lock-in | Toast Long contracts |
|---|---|---|---|---|
Typical Monthly Cost With tip pooling & team permissions | $19.99 first mothen $29.99/mo | $89/mo | $185/mo | $207/mo |
Payout Speed How fast you get your money | 2-day standard | 1-2 days | 2-3 days | 2-3 days |
Hardware Cost | $0 | $0-799 | $599-1,799 | $799-1,339 |
Tip Pooling Split tips by hours, role, or custom rules | Included | +$4/employee/mo | +$50/mo extra | +$69/mo extra |
Team Permissions | Included | +$35/mo extra | +$45/mo extra | +$69/mo extra |
Instant Payout Fee | 1% | 1.75% | Not available | Not available |
Contract Required | None | None | 3-4 year lock-in | 2 year lock-in |
Custom Catalogs Switch menus & pricing per venue instantly | Unlimited | Not available | Not available | Not available |
Lower Fees. No Contracts.
Start free, scale as you grow. Powered by Stripe with transparent, event-friendly pricing. Cancel anytime.
Pro
For established mobile bars running regular events
- 2.8% + $0.16 per tap
- Everything in Starter
- Unlimited custom catalogs
- Unlimited events & locations
- Unlimited users & devices
- Staff account management
- Revenue splits (venue/promoter)
- Tip reports & tracking
- Tip pooling & tip-out rules
- Analytics dashboard
- Export to CSV/PDF
Frequently asked questions
Quick answers to common questions.
No. Luma works on your existing iPhone or Android phone. Just download the app and start accepting payments using Tap to Pay. No card readers, dongles, or proprietary hardware required.
Payouts are handled by Stripe. You can get paid daily or set up instant payouts for a small fee. Funds go directly to your bank account.
Our Starter plan is free with 2.9% + $0.18 per transaction. Pro is $19.99 first month with lower rates at 2.8% + $0.16. No hidden fees, no contracts. High-volume businesses can contact us for custom pricing.
For iPhone: iPhone XS or later running iOS 16.4 or newer. For Android: Any phone with NFC running Android 8.0 (Oreo) or later. This includes most phones from 2018 onwards.
Tips are tracked automatically per transaction and staff member. Revenue splits let you automatically divide payments between operators, venues, and promoters - no manual calculations needed.
Custom catalogs let you create different menus, pricing, and inventory for each venue or event. Heading to a new location? Switch your entire catalog with one tap in the app. Set up once in the dashboard, use everywhere. Pro users get unlimited catalogs—perfect for mobile vendors who work multiple venues.
Yes. No contracts, no commitments. You can cancel your subscription anytime from your account settings. Your Starter plan access continues even after canceling Pro.
Stay in the loop
Product updates, tips for event vendors, and the occasional deal.