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Merchant services, processed through Shift4

Card payments,
seen clearly.

Lumien sets up card processing, Shift4 Dine POS and terminals for your business, with pricing you can read line by line.

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How it works

How it works, in five steps

Step 1: Apply in minutes

One topic per screen, on your phone or at the counter. Your progress saves as you go, so a lunch rush never costs you your place.

Online application

Preview
  1. Owner
  2. Business
  3. Sales
  4. Bank
  5. Equipment
  6. Sign

Progress saves as you go

Step 2: Instant pre-screen

Submit and get a pre-screen right away from Lumien's own checks, so you know what happens next. It is an estimate, not an approval: our processing partner and its sponsor bank make the final decision after underwriting.

Pre-screen

Estimate

Ready for underwriting

  • Business details complete
  • Owner details complete
  • Bank letter attached

An estimate, not an approval. The final decision comes from our processing partner and its sponsor bank.

Step 3: Equipment ships

Choose a Shift4 Dine POS, a countertop terminal or handhelds for the table. Once the processor approves your account, your equipment is configured for it and shipped with tracking.

Equipment order

Preview
Device
Shift4 Duo handheld
Setup
Configured for your account
Tracking
Shown in your portal

Step 4: Track every step

Your merchant portal shows where your application stands, what we still need from you, and when your equipment arrives. No phone tag to find out.

Application status

Sample
  1. Submitted(done)
  2. Pre-screen(done)
  3. Underwriting(in progress)
  4. Processor decision(not started)
  5. Equipment ships(not started)
  6. Live(not started)

Step 5: Get paid

Deposits land in your business bank account, and each one shows up in your portal next to the batch it came from, so you can match every deposit to the day's sales.

Deposits

Sample data
  • Thu Batch closed 10:02 PM$1,284.50
  • Wed Batch closed 9:47 PM$962.17
  • Tue Batch closed 10:15 PM$2,031.88

Three ways to price.
One statement you can read.

Every program runs on the same processing and the same portal. Pick the one that fits how your customers pay; we explain the tradeoffs before you choose.

  • Dual pricing

    Post a cash price and a card price. Card customers pay the card price, cash customers pay less.

    Good fit: Restaurants, service counters and shops that want to offset the cost of taking cards.

  • Flat rate

    One predictable rate on every card sale, whether it is a debit card or a premium rewards card.

    Good fit: Newer businesses and owners who want a monthly cost that is easy to plan for.

  • Interchange plus

    You pay the card networks' actual interchange cost, plus a fixed markup, listed separately.

    Good fit: Established businesses with steady card volume that want to see every cost on its own line.

We do not publish rates. Yours depend on your business and appear in your application, on the processor's agreement, before you sign.

How each program works

Equipment that arrives ready to take a sale

Point of sale stations, tablets, handhelds and smart terminals. You choose in your application; we configure your equipment for your account and ship it with tracking.

  • Shift4 Dine POS

    Formerly SkyTab POS

    A full restaurant point of sale: order entry, menus, tables, kitchen display and reporting in one system.

  • SkyTab Glass

    PAX M8

    An 8 inch Android tablet that runs SkyTab, compact enough for a crowded counter.

  • Shift4 Duo

    PAX A930 or A800

    A handheld for taking orders and payments tableside, with an optional cellular connection.

  • PAX A920 Pro

    Smart terminal

    A portable smart terminal with a touchscreen and built in receipt printer, for card and contactless payments.

  • Pay at table handheld

    For full service dining

    Bring the terminal to the guest so the card never leaves their sight, then close the check on the spot.

Equipment options and any costs are shown in your application before you sign.

Compare equipment

Built around how you take payments

A bar at midnight and a salon at noon need different things from a terminal. Tell us how you sell and we will suggest a setup.

  • Restaurants and bars

    Fast checks, split bills and tips, and a kitchen that sees every order.

    Typical setupShift4 Dine POS with pay at table handhelds.

  • Quick service and cafes

    A short line, a simple menu screen, and payments that take seconds.

    Typical setupShift4 Dine POS or SkyTab Glass at the counter.

  • Retail shops

    Quick checkout at the counter and a clear record of every sale and refund.

    Typical setupPAX A920 Pro, or a countertop POS for larger catalogs.

  • Salons and spas

    Taking payment and tips at the chair or the front desk without juggling devices.

    Typical setupPAX A920 Pro with tipping on screen.

  • Professional and home services

    Getting paid in person or on site, with deposits that are easy to reconcile.

    Typical setupA portable smart terminal with a cellular option.

  • Specialty food and markets

    Busy weekends, weighed items and a mix of cash and card customers.

    Typical setupCountertop POS with dual pricing.

See setups by industry

Sell with Lumien

For independent sales reps and referral partners. Bring your merchants to an application they can finish on their own, and see your book, your pipeline and your residuals in one partner portal.

Explore the partner programTalk to our partner team

  • Every application, live

    See where each merchant you signed stands, from first screen to processor decision, without calling ops.

  • Your own invite link

    Send merchants a link that starts the online application with you already attached as their rep.

  • Residuals you can trace

    Residual reports imported from the processor, broken down by merchant, so every line is accounted for.

  • Clear commission statements

    Monthly statements that tie back to the processor's residual report, with adjustments shown on their own lines.

Questions, answered plainly

Is the pre-screen an approval?

No. The pre-screen is an estimate from Lumien's own checks so you know what to expect. Our processing partner and its sponsor bank make the final decision after underwriting, and your portal shows that decision when it is made.

What do I need to apply?

Your business details and EIN (or SSN if you are a sole proprietor), details for each owner with 25% or more, and your business bank account with a voided check or bank letter. If you are switching processors, a recent statement helps us compare.

Why don't you publish your rates?

Rates depend on your business type, card mix and volume. We explain each pricing program here, and your actual rates appear in your application, on the processor's agreement, before you sign anything.

Who processes my payments?

Lumien Payments is an authorized sales representative of Shift4 Payments, LLC, Center Valley, PA. Shift4 Payments, LLC is a registered ISO of Citizens Bank, N.A., Providence, RI. Your merchant processing agreement is with Shift4 Payments, LLC and its sponsor bank.

How do I see where my application is?

You create a login when you start your application. Your merchant portal then shows each step, anything we still need from you, your equipment shipment, and later your deposits.

How do you protect my information?

Sensitive details such as Social Security numbers and bank account numbers are encrypted before they are stored, access is limited and logged, and we never ask for card numbers.

Ready when you are

Start the online application now, or talk it through with our team first. Either way, you will know what happens next at every step.

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