Here you will find our most frequently asked questions. If you cannot find the answer to your question here, please contact us and we will assist you with your query.

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The gateway is equipped with the ability to provide an address verification service (AVS). This means that if you decide to submit a client’s address with your payment information, the gateway is able to enquire with the client’s issuing bank if the address supplied to you matches the cardholder information stored at the bank. AVS address checks are extremely helpful in the retail industry as they protect merchants from sending goods to an address which could potentially be at risk. If you’re sending your products to the address which the debit or credit card is actually registered to, an element of risk has already been overcome.

Once the gateway has completed and AVS check, it will provide the following results:

  • Full match – The card holder’s street address and postcode match the information provided to you by the client.
  • Partial match – Either the street or the postcode has matched the information held at the bank, but not both pieces of the address. This isn’t uncommon as there are many formats addresses can take; problems usually arise when the first line of the address consists of flat numbers within a building which also has a number.
  • No match – None of the address details provided to you as a merchant match the records stored by the client’s issuing bank.

As the merchant, it’s entirely up to you how you decide to interpret the AVS security check and handle the transaction from that point. You may wish to adjust the AVS settings to accept all results, just full matches, or both full and partial matches to suit your needs.

Whatever level of AVS code checking you require, your gateway can be configured to suit your needs. Our technical team are on hand to talk you through the procedure, so you can be assured that the security of your ecommerce business is in safe hands.

If you’d like to find out more about our AVS UK and international services please get in touch and we’ll be happy to help.

You can find a guide here to help you integrate LumiPay, whichever payment gateway you’re using.

If you are having problems with integration then please send us a message using the form below. You can also email us at contact@lumi-pay.com

No. Lumipay can be integrated on any website no matter where it is hosted.

At Lumipay we provide Server to Server , Plugin integration and also COPYandPAY which is a javascript payment wigdet which sents payment data from your browser to our platform.

Click here to access a link to the developer portal.

Yes. We understand that security is important to our users so we attained Top Level PCI Compliance.

Yes. Business that use our virtual terminals and hosted integrations will be PCI-compliant with no additional effort needed on your part.

Of course. Lumipay is eqiupped with with an extremely advanced Fraud Protection Suite. This FPS is amde up of several elements which are specifically designed to indentify and stop fraudulent activities on websites.

The FCA is the Financial Services Register. It is a public record which shows the details of individuals, firms and other bodies that are or have been regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Payment services, investment firms and consumer credit firms and other financial institutions need to be authorised and also registered by the FCA.

Yes. Lumipay supports a range of different third party plugins and SDK’s.

Yes. You should have no problem using Woocommerce along side Lumipay.

You will have no problems using Magento as Lumipay is fully equipped to support it.

We screen all transactions 24/7 so that we can properly protect your business from fraudulent purchases and chargeback issues.

A merchant account refers to the specific type of bank account that businesses have which allows them to accept credit or debit card payments. They are temporary holding accounts used by a business for any funds which are making their way from the customer to that business.

As many as you like, as long as the additional websites pertain to the same industry as the originally approved website. If the industry of another website is significantly different you cannot use your merchant account to process credit cards on that site.

Usually “Free Merchant Accounts” are just a scam. Commonly advertised with a free application or no setup fees, these accounts will still charge you processing fees, including a fixed transaction fee and discount rate, and monthly service fees, including payment gateway access fees and statement fees.

This really depends on the industry you are in. Some banks may not provide merchant accounts to businesses with no processing history.

Unlike our competitors, here at Lumipay we put security of our clients first. You will know that your online payments are 100% safe with us.

Lumipay has an amazing customer sevice team which will be able to help you as soon as a problem arises.

Send us a message

Send us a message below. A member of the LumiPay team will get back to you within 24 hours.

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Get in touch


  • Lumi Trade Ltd
    71-75 Shelton Street
    Covent Garden
    WC2H 9JQ


  • Lumi Trade Ltd
    McMahon Buildings
    The Demesne
    Dundalk, Co Louth
    A91 CRF4