INVOICESent
INV-000184
AB
Adebayo StudioDue 30 July 2026
Balance due₦78,400
INVOICE PAYMENT CLARITY FOR NIGERIAN SMEs
Know what got paid—without the spreadsheet chase.
Lumina connects every invoice, Paystack payment, payout route, refund, and receipt, so you always know what is settled, what is due, and what needs attention.
Built for NGN invoices and Paystack settlement flows.
CHECKOUT
Paystack payment
₦42,000
Pay securely
Provider verified
PAYSTACK REFERENCE
T8129-4F3A-90LX
Amount and status confirmed server-side
RECONCILIATION
VerifiedPayment matched
PAYOUT ROUTEActive
Business settlement
Account ending in 4821
RECEIPTIssued
RCT-000241
Payment received₦42,000
Public receipt link ready
One connected record
From invoice sent to payment understood.
Payment collection is only useful when the business can explain what happened next. Lumina keeps the customer, reference, settlement route, balance, and receipt attached to the same financial story.
- Invoice
Create and share
Issue a customer invoice with server-calculated totals and one secure public link.
- Checkout
Customer pays
The customer pays the outstanding balance through Paystack without opening an account.
- Provider truth
Confirm the money
Signed webhooks and server-side verification confirm what actually moved.
- Reconciliation
Match automatically
Lumina connects the payment reference to the right invoice, customer, and payout route.
- Receipt
Close the trail
The confirmed payment updates the balance and receives its own permanent receipt.
SETTLEMENT BRANCHThe payout route is confirmed before the customer can pay online.
Resolve the bank account, confirm the account name, and activate the organisation Paystack subaccount.
Clarity after checkout
See what happened. Know what to do next.
Lumina reduces payment noise without erasing history. Move between the three outcomes that matter to an owner and see how the operational record changes.
MatchedIllustrative demo data
Confirmed payment₦42,000
PAYMENT UNDERSTOOD
The payment lands where it belongs.
Lumina verifies the provider event, matches the reference, updates the invoice, and issues a receipt without a manual reference check.
- Reference
- T8129-4F3A-90LX
- Invoice
- INV-000184
- Provider
- Verified
- Invoice balance
- ₦36,400 due
- Payout route
- Active
Next clear stateReceipt RCT-000241 issued
The daily operating picture
Run the business from what the money actually did.
Lumina keeps collection, understanding, resolution, and control inside one financial field—without pretending to be a full accounting system.
CURRENT POSITION
Illustrative demo dataPayment operations
Net collected this month₦132,850Successful payments less processed refunds
Outstanding₦86,400Across 12 invoices
Overdue₦18,0003 invoices
Needs review2Real exceptions
Payment T8129-4F3A-90LX matchedINV-000184 · Adebayo Studio · ₦42,000
Collect
Send an invoice that is ready to be paid.
Create the invoice, activate the business payout route, and share one public payment link.
- Paystack account resolution
- Public invoice links
- Partial and full payments
Understand
Read the business position, not a pile of attempts.
Separate current financial truth from retries, abandoned checkout, and historical noise.
- Net collected
- Outstanding and overdue
- Latest meaningful state
Resolve
Keep real exceptions visible until they are finished.
Investigate excess payments and follow refunds through provider-confirmed completion.
- Needs Review queue
- Excess refund initiation
- Resolution history
Control
Take the operational record with you.
Issue payment-specific receipts, export safe CSV data, and retain role-scoped audit history.
- Immutable receipts
- Formula-safe CSV
- Owner/Admin audit logs
Export the recordCustomers · Invoices · Payments · Receipts
CSVClear payment boundaries
Trust comes from knowing where Lumina stops.
The product is designed around provider truth, server-side scope, and an explicit separation between reconciliation software and custody of funds.
LUMINA VERIFICATION LAYERProvider-confirmed financial truthSigned webhook + server verification
No wallet balances
Invoice payments use the organisation's configured Paystack payout setup.
No merchant secret keys
Businesses never paste their own Paystack secret keys into Lumina.
Server-derived amounts
The backend determines payment amounts and the organisation payout route.
Provider-confirmed status
Signed webhooks lead; server-side verification supplies the fallback.
Masked payout details
Operational views do not expose full bank account numbers.
Tenant isolation and RBAC
Organisation scope and role permissions are enforced server-side.
Before you join
Clear answers for careful operators.
Lumina is deliberately specific about what it does, where payment truth comes from, and which financial responsibilities remain with Paystack and your business.
Does Lumina hold my business funds?
No. Lumina does not provide wallet balances or withdrawals. Invoice payments use the organisation's configured Paystack payout setup.
Do I need to provide my Paystack secret key?
No. Lumina uses its own server-side Paystack integration and organisation-level subaccounts. Businesses do not paste merchant Paystack secret keys into the product.
How does Lumina know an invoice was paid?
Payment status is confirmed from Paystack. Signed webhooks are the primary confirmation path, with server-side transaction verification as a fallback.
What happens if a customer pays twice?
Confirmed payments determine the financial result. If successful payments exceed the invoice total, Lumina flags the excess for review. Owners and admins can initiate an excess refund, and the state changes after provider confirmation.
Can a customer view and pay an invoice without an account?
Yes. Public invoice links can be opened without signing in. Online payment is available when the business has active Payment Setup.
Is Lumina accounting software?
No. Lumina focuses on customer invoices, online payment collection, reconciliation, refunds, receipts, and operational reporting. It is not full bookkeeping, payroll, inventory, or tax-filing software.
Which countries and currencies are supported?
The initial product is designed around Nigerian businesses, Nigerian bank accounts, NGN invoices, and Paystack.
Early access
Make every invoice payment easier to understand.
Join the Lumina early-access list. We will let you know when a payment operations workspace built for Nigerian SMEs is ready for you.
Waitlist details are used only to manage early-access interest and referral context.