LUMEN.UNION / Local payments infrastructure

One operating layer for local payments.

Unite local methods, smart routing, payouts, partners, and settlement visibility through one connection across LATAM, Africa, and Asia.

Check availability Explore API
One APIUnified local routes
96.4%Approval benchmark
2.4 secFast payout path
24/7Operational coverage
01 / Coverage

A clean spectrum of payment routes.

Every market stays distinct, while routes, methods, currencies, and operating status come together in one control layer.

LATAM
AFRICA
ASIA
BR / Pix
MX / SPEI
CO / PSE
NG / Bank
KE / Mobile
IN / UPI
PH / GCash
Supported countries35
Local methods63
Priority regions3
Core flowsPay-ins / payouts
02 / Infrastructure

One operating layer for fragmented local markets.

Connect once, choose the market, route to the right local rail, and keep reconciliation visible in one place.

01

One integration layer

Connect once and reach local rails, partners, and payment methods across target markets.

02

Local methods first

Cards, wallets, bank transfers, cash rails, QR methods, and country-specific payment preferences.

03

Routing discipline

Traffic is directed to the right provider and rail for approval, transparency, and reliability.

04

Operational control

One calm layer for route status, reconciliation, partner health, reporting, and expansion.

03 / Countries

Country, currency, method, and flow.

A focused country matrix for the first release — add or remove rows as coverage is confirmed.

Region Country Currency Popular local methods Flows Status
LATAMBrazilBRL
Pix
Pay-ins, payouts, routingListed
LATAMMexicoMXN
SPEI
Pay-ins, payouts, routingListed
LATAMColombiaCOP
Bank transferOpen bankingWallets
Pay-ins, payouts, routingListed
LATAMPeruPEN
Bank transferQR
Pay-ins, payouts, routingListed
AfricaNigeriaNGN
Bank transferWallets
Pay-ins, payouts, routingListed
AfricaKenyaKES
Mobile money
Pay-ins, payouts, routingListed
AfricaSouth AfricaZAR
EFT
Pay-ins, payouts, routingListed
AsiaIndiaINR
UPI QRUPI Mixed
Pay-ins, payouts, routingListed
AsiaIndonesiaIDR
QRISVABank transfer
Pay-ins, payouts, routingListed
AsiaPhilippinesPHP
GCashMaya
Pay-ins, payouts, routingListed
04 / Verticals

Where local rails change conversion.

LUMEN.UNION is built for payment-sensitive businesses where local methods, routing resilience, and payout speed directly affect revenue.

01 / 07
01Orchestration

Payment orchestrators

A unified route layer for providers that need broader local reach without multiplying integrations.

  • Provider routing
  • Failover logic
  • Unified status model
  • Central reconciliation
02Gaming

iGaming

Local deposits and instant withdrawals for licensed gaming and betting operators.

  • Fast local pay-ins
  • Instant payouts
  • Traffic-peak resilience
  • Market controls
03Trading

Forex

Account funding and client withdrawals for regulated trading and brokerage platforms.

  • Funding and withdrawals
  • Bank rails and alternatives
  • Fast settlement
  • Market review
04Subscription

Adult platforms

Discreet, reliable local payment flows for subscription and creator-led businesses.

  • Recurring payment paths
  • Local alternatives
  • Payout operations
  • Risk-aware routing
05Marketplace

Skin marketplaces

High-frequency checkout and seller payout flows across digital-asset marketplaces.

  • Rapid checkout
  • Seller payouts
  • Multi-provider routing
  • Transaction visibility
06Options

Binary options

Localized funding and withdrawal infrastructure for eligible regulated operators.

  • Local account funding
  • Fast withdrawals
  • Route monitoring
  • Market controls
07Aggregation

Gambling aggregators

One operational surface for aggregators coordinating multiple gaming brands and payment partners.

  • Brand-level routing
  • Partner visibility
  • Unified reporting
  • Operational alerts
05 / API

A single interface for local payment sprawl.

Payment creation, route status, webhooks, payouts, and settlement visibility through one operational surface.

POST /v1/payments
{
  "country":  "BR",
  "method":   "pix",
  "amount":   250000,
  "currency": "BRL"
}

Local payments without regional sprawl.

LUMEN.UNION exposes one operating interface for country-specific payment creation, routing, settlement status, reconciliation, and partner visibility.

35
Countries
63
Methods
1
API layer
24/7
Operations
06 / How it works

From one beam to many local rails.

The LUMEN.UNION operating sequence: connect, select, route, process, operate.

01

Connect once

A single integration to the LUMEN.UNION payment layer.

02

Select market

Country, currency, method, and flow define the route.

03

Route intelligently

Traffic goes to the right local provider and rail.

04

Process locally

Customers pay with familiar local methods.

05

Operate centrally

One view for statuses, reconciliation, and scale.

07 / News

Market updates and event routes.

Company news and the events where you can meet the LUMEN.UNION team in person.

Upcoming eventJul 2026

Brazil market meetings

Local payment conversations around Pix, payouts, settlement visibility, and LATAM expansion.

Market noteAug 2026

Africa bank-transfer rails

Coverage notes for bank transfers, mobile-led flows, and partner routes across priority markets.

EventSep 2026

SBC Summit Lisbon

Meetings around regulated iGaming flows: local deposits, instant withdrawals, and partner access.

Product noteQ3 2026

Payment-status operations

Updates around payment creation, route status, webhooks, settlement visibility, and reconciliation.

Company updateQ3 2026

Coverage matrix refresh

The public country and payment-method matrix is being prepared for regular content updates.

Planning noteRolling

More confirmed dates soon

The list will update as upcoming events, speaking plans, and meeting windows are confirmed.

08 / Contact

Build your local payment layer with LUMEN.UNION.

Share the countries, methods, and flows you need. LUMEN.UNION maps the route, integration path, and operating requirements.

Emailb2b@lumenunion.com TelegramConfirm handle LinkedInConfirm company page