Lunu Pay

Name

Lunu Pay

Legal name

LUNU Solutions GmbH

Website

https://lunu.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Crypto Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB)

akta.pro secondary industries

On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

Keywords

• Crypto payment gateway
• Bitcoin payment processor
• Point-of-sale terminals
• E-commerce checkout
• Web3 payment infrastructure

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction Fees: Merchants pay transaction fees starting from 1% per transaction, varying based on transaction volume, business type, and region. This is the primary revenue stream.
2. Platform Fees: Additional platform fee of 0.35% per transaction on top of the base transaction fee.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Lunu Pay is a cryptocurrency payment gateway and processor that enables merchants to accept crypto payments online and in-store while receiving instant fiat settlement. The platform offers an omnichannel suite including a physical POS terminal, an e-commerce checkout widget, a POS software application, and a Pay by Link solution, supporting 30+ cryptocurrencies, 70+ wallets, and 30+ fiat currencies across 80+ countries with real-time conversion to eliminate merchant volatility risk.

Product overview

Lunu Pay operates as a cryptocurrency payment gateway and processor offering an omnichannel product suite comprising four core products: Lunu Terminal (physical POS device for in-store crypto transactions), Lunu Pay Widget (e-commerce checkout integration), Lunu Pay POS Application (software for upgrading existing POS systems), and Pay by Link (payment link solution for manual transactions). The platform supports 30+ cryptocurrencies across 80+ countries with real-time conversion to 30+ fiat currencies, eliminating volatility risk for merchants. Additional services include On-Ramp and Off-Ramp for fiat-crypto conversion, as well as a lending product (Credit Access). The system processes transactions in approximately 3 seconds and converts crypto payments to fiat within 1 day settlement.

Differentiator

Problem solved

Functional benefit

Brands

• Lunu Terminal: Physical in-store crypto payment terminal with sleek chrome-and-glass design enabling instant crypto transactions
• Lunu Pay Widget
• Pay by Link
• POS Application

Products and services

• Lunu Terminal Physical point-of-sale terminal with sleek chrome-and-glass design available in five colors (gold, red, blue, grey, black) and aluminum body with glass top. Enables instant cryptocurrency transactions in physical retail stores, with USB Type-C, Bluetooth, WiFi/Cellular, SIM slot, and 5000mAh battery. Supports NFC, Visa, Mastercard, Apple Pay, and Google Pay. A sleeker mobile terminal version with protective rubber bumper followed in July 2020.
• Lunu Pay Widget Online crypto checkout widget for e-commerce websites supporting 30+ cryptocurrencies and 70+ wallets. Available in 6 languages with automated KYC for high-value transactions. Integrates with Shopify, WooCommerce, Magento, Salesforce, PrestaShop, BigCommerce, Shopware, and custom platforms via API.
• Lunu Pay POS Application Crypto payment application for existing POS systems that transforms Android devices and Ingenico and PAX payment terminals into crypto-accepting counters. Supports 25+ cryptocurrencies and 70+ fiat currencies with real-time fiat conversion.
• Pay by Link Crypto payment link solution enabling merchants to send payment requests via email, messaging, or invoices. Customers complete transactions through Lunu Pay's hosted widget without requiring website integration. Supports BTC, ETH, USDT, USDC, BNB, TRX, XRP, SOL, and TON.
• Lunu Pay Credit Access Online lending service providing loans of up to 10,000 Euros in stablecoins instantly to cryptocurrency holders at competitive market-based interest rates.
• Lunu Wallet Cryptocurrency wallet enabling users to exchange cryptos for local currency and transfer funds to bank accounts. Offered competitive market-based interest rates without expensive exchange commissions.
• On-Ramp Fiat-to-crypto service enabling users to buy cryptocurrencies using traditional currency through Lunu's payment gateway API. Available as On-Ramp V1 and On-Ramp V2 endpoints.
• Off-Ramp Crypto-to-fiat service enabling users to sell or convert digital assets through Lunu's payment gateway infrastructure.

Quantifiable outcome

• Transaction time reduced to 3 seconds - faster than credit card payments
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

16 partnerships are on record, tiered core, major, flagship and minor.

• IngenicocoreTechnology or IntegrationPartnership to integrate Lunu Pay crypto payment solutions with Ingenico POS terminals, enabling physical retail stores to accept cryptocurrency payments through existing payment infrastructure.
• PAXcoreTechnology or IntegrationIntegration with PAX terminal technology for crypto payment acceptance in retail environments.
• BinancecoreTechnology or IntegrationStrategic partnership enabling Binance Pay integration and crypto liquidity support for the Lunu Pay ecosystem.
• Gate.iomajorTechnology or IntegrationGate Pay integration for instant cryptocurrency payments, providing additional wallet and payment options for Lunu Pay users.
• WorldlinemajorTechnology or IntegrationPartnership with European payment services provider for payment infrastructure integration.
• KrakenmajorTechnology or IntegrationExchange partnership for cryptocurrency liquidity and wallet integration.
• MessikaflagshipStrategic or Co-development PartnerFlagship partnership to bring cryptocurrency payments to luxury jewellery. Messika accepts crypto payments globally through Lunu Pay for their high-end jewellery collections.
• ChristofleflagshipStrategic or Co-development PartnerStrategic partnership to enable cryptocurrency payments for the luxury silverware and home décor brand, marking expansion into French luxury market.
• Pisa 1940majorStrategic or Co-development PartnerPartnership to introduce cryptocurrency payments in luxury retail, specifically for Pisa 1940's luxury fashion offerings.
• PayAdmitmajorStrategic or Co-development PartnerPartnership to bridge traditional finance and Web3 payments, combining PayAdmit's fintech solutions with Lunu Pay's crypto payment infrastructure.
• Palm AngelsmajorStrategic or Co-development PartnerPartnership to enable cryptocurrency payments for the luxury streetwear brand.
• Amnesia Nightclub IbizaminorStrategic or Co-development PartnerPartnership introducing Klubcoin integration for crypto payments at the Ibiza nightclub.
• PaxfulmajorStrategic or Co-development PartnerPartnership to increase meaningful adoption of crypto payments in everyday life, leveraging Paxful's P2P crypto marketplace.
• FarfetchflagshipStrategic or Co-development PartnerFlagship partnership enabling Farfetch to accept cryptocurrency payments, making luxury fashion accessible to crypto-holding customers.
• Off-WhiteflagshipStrategic or Co-development PartnerFlagship partnership enabling Off-White to accept cryptocurrency payments for luxury streetwear.
• WEB3 SOLUTIONS S.R.L.coreTechnology or IntegrationItalian operating entity registered and incorporated in Italy, operating under supervision of Organismo Agenti e Mediatori (OAM), Italian regulatory authority for Virtual Asset Service Providers (VASPs). Provides compliant cryptocurrency-related services under Italian financial regulations.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Crypto.com Pay: Payment offering from Crypto.com app ecosystem enabling merchants to accept CRO and other tokens with fiat settlement. Larger user base and brand, but narrower in-store POS presence than Lunu.
• Worldline: Major European payment services provider and existing Lunu partner. Overlaps at the enterprise/PSP infrastructure layer and represents a potential acquirer or competitor as it expands crypto capabilities.
• Binance Pay: Crypto-native payment rail from the world's largest exchange by volume. Overlaps with Lunu's Widget/Pay-by-Link for online merchants, with vastly greater liquidity and brand recognition from Binance.

Direct peers

• NOWPayments: Non-custodial crypto payment gateway with broad coin coverage, plugin ecosystem (Shopify, WooCommerce, Magento) and fiat settlement — directly competes for the same SMB and mid-market e-commerce merchant.
• BitPay: One of the earliest crypto payment processors, offering online checkout, POS and invoicing for merchants worldwide with fiat conversion. Comparable in omnichannel coverage and merchant target.
• Coinbase Commerce: Coinbase's merchant-facing crypto payment gateway supporting BTC, ETH, USDC and other assets with fiat settlement. Closest direct competitor by product scope (online checkout, integrations) and target merchant profile.
• Utrust: Crypto payment gateway with merchant APIs, checkout widgets and fiat settlement — focused on the same mid-market merchant segment, with comparable integration breadth.
• CoinGate: Crypto payment gateway supporting 70+ cryptocurrencies with POS, online checkout and plugin integrations across major e-commerce platforms — a near-twin product offering to Lunu's.

Emerging players

• BTCPay Server: Open-source, self-hosted Bitcoin and Lightning payment processor favored by crypto-native merchants. Comparable plugin ecosystem (Shopify, WooCommerce) but targets technical users rather than enterprise luxury retail.

Others

• Ingenico (Worldline): Global POS terminal vendor integrated with Lunu's POS Application. An ecosystem partner and channel to physical retail merchants; could also become a competitor if it embeds native crypto acceptance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Lunu_Pay

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lunu Pay