Payment solutions

The experts in No-Cost-to-Biller™ processing

about us

LucentPay is a full-service payment processor revolutionizing the payments industry by providing best-in-breed solutions. We understand our merchants business needs and provide numerous custom integrated payment solutions. An example is our proprietary No-Cost-to-Biller™ product which compliantly eliminates processing costs. Merchants prohibited from assessing a service fee are offered competitive pricing on standard payment processing solutions. To ensure a wholistic payment solution, LucentPay retains numerous banking relationships to mitigate risk, next-day funding, and comprehensive payment acceptance (Visa, MC, Discover, AMEX, HSA/Flex Cards, etc).  Are you asking the right questions about your payment processor?


No-Cost-To-Biller™ – Next Day Funding – Transparent Pricing – Online Payments

Credit Cards – Checks & ACH – Debit Card Only & BIN Blocking – Gateways



LucentPay offers the most compliant No-Cost-to-Biller™ solution on the market. Backed by a legal opinion letter, all payment types are accepted including Credit Cards, Debit Cards, and ACH. And through all processing methods including phone payments (agent assisted), web payments, IVR payments and text payments.

Next Day Funding


LucentPay understands our client’s cash flow and remittance needs which is why we offer next day funding for both card and ACH processing.

Transparent Pricing


Merchant fees can be confusing, but understanding your bill is made easy with LucentPay’s transparent pricing. We do not charge upfront fees, and do not require long term commitmentss for any of our products.

Online Payments


Web portals have become more relevant as consumer adoption rates grow, therefore every LucentPay client receives a free web portal.! No monthly fees and no transaction fees. Our options range from single payments, recurring, payment plans and debt negotiation.

Credit & Debit Cards


We pride ourselves on providing clients with the best rates and a clear understanding of what they're paying for. The ability to process debit, credit, HSA and FSA cards with compliant technologies is why our solutions offer value to clients. 

Checks & ACH


Check & ACH processing have been  valuable payment options for decades.  Whether you're printing checks, lockbox payments, take ACH payments over the phone or convert them into check21 LucentPay can help your business.  

Debit Card Only & BIN Blocking


Many agencies have client restriction on which cards can be processed.  At LucentPay we offer agencies the ability to accept 'only' debit card payments. In cases where a client allows the agency to use cards, just not 'their' cards, we offer BIN blocking to restrict any type of card.



Tired of hearing your gateway can't do something? Need a report, customization, or the ability to mitigate risk by allowing multiple banks to process in the same gateway?  Our options include custom gateway features unlike any other processor.


Collections Agencies - Healthcare - Auto Finance - Property Management - and many more...


Auto Finance










High Risk Merchant Accounts


Law Firms


Utility & Energy Companies


Non Profits


Property Management




Travel Merchant Accounts



LucentPay provides transparency & simplicity to payment processing

No Cost to Biller™ - Next Day Funding - Transparent Pricing - Online Payments

Credit Cards - Checks & ACH - Debit Card Only & BIN Blocking

Contact us

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We're passionate about our products, as well as our customers, and it shows in the level of service we provide. We're always happy to help find the solution for your needs. Let us know how we can help your business.

(888) 311-7791

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