Paymentology has launched Lume to help banks and fintechs expand card programmes across markets on cloud-native issuer processing infrastructure.
The platform is designed to support global scale, localisation and continuous product development.
Lume enables issuers to connect to local payment rails, meet sovereign requirements and adapt to market-specific preferences through regional instances across continents.
The platform will also support areas such as crypto and stablecoin-linked payments, agentic commerce, real-time payments, tokenisation, embedded finance and digital credit.
Lume runs on a multi-cloud architecture across AWS and Google.
It uses an API-first model and a zero-trust security framework, with identity-based authentication instead of traditional VPN-heavy connectivity.
Paymentology CEO Jeff Parker said,
“Financial institutions want to move faster, launch globally, localise effectively and keep innovating as customer expectations evolve. But many platforms were not designed for that level of scale or adaptability.
Lume responds directly to that challenge. It gives issuers modern, cloud-native infrastructure that can evolve with the market rather than hold them back from it, helping our clients build long-term momentum.”
Future product updates and platform enhancements from Paymentology will be developed natively on Lume.
The launch includes Agentic Payments for AI-initiated purchases, PayCredit for buy now, pay later (BNPL), revolving and instalment credit, and Decision Engine for real-time workflow and decision-tree management.
Paymentology has also introduced Money Movement for transfers across cards, accounts and wallets, Platform Portal for programme visibility and control, and Automated Chargeback Management for dispute handling.
The launch follows Paymentology’s recent US$175 million funding from Apis Partners and Aspirity Partners, as well as its global expansion and brand refresh.
Paymentology supports more than 400 banks, fintechs and financial institutions across nearly 70 countries and processes billions of transactions annually.
