Online Payments

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Web portals have become more relevant as consumer adoption rates grow. We understand this concept, which is why we provide every merchant with a free comprehensive web portal. Yes...free! No monthly fees or 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 with a clear understanding of what they're paying for. Our suite of solutions come with the ability to process all debit cards, credit cards, and health savings account cards.  This includes Visa, MasterCard, Discover & American Express.

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ACH

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Whether you're printing checks, have a lockbox, take ACH payments over the phone or convert them into check21, LucentPay can help your business. What do we do different? Apart from having the best technologies on the market, we pride ourselves on providing clients the best rates with a clear understanding of what they're paying for. 

No-Cost-to-Biller

Backed by a legal opinion letter, LucentPay offers the most compliant No-Cost-to-Biller solution on the market. All payment types are accepted including Credit Cards, Debit Cards, and ACH. And all processing methods are accepted including phone (agent-assisted), WEB (consumer facing web portals) & IVR. The principal payment is deposited directly into the bank account of your choosing and you will not recieve a bill for the transaction. 

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Gateways

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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? We've worked hard to deliver the best gateway technologies to our customers. 

Next Day Funding

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

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Transparent Pricing

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Merchant rates can be confusing, but understanding your bill is made easy with LucentPay’s transparent pricing.   We also do not charge upfront fees for any of our products including our comprehensive consumer facing web portals.  

Debit Card Only & BIN Blocking

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At LucentPay we offer merchants the ability to accept debit card payments, while blocking credit cards. We also offer BIN blocking to restrict specific card types.