Quickstart - LuminPay Docs

This guide takes you from signing up to creating your first live charge.

Prerequisites

A LuminPay merchant account (sign up here)
Your organization must have completed email verification

Get started

Get your API key

Sign in to your LuminPay dashboard, navigate to API Keys, and generate a new key.Keep this key secret — treat it the same way you would a password.

Create a charge (Sandbox)

New accounts start in Sandbox, using testnet chains and no real money. Make a request to create a charge, authenticating with your Sandbox API key (lmp_test_...) as a Bearer token.

    curl -X POST https://sandbox-api.luminpay.co/charges \
      -H "Authorization: Bearer YOUR_TEST_API_KEY" \
      -H "Content-Type: application/json" \
      -d '{
        "amount": 5000,
        "currency": "NGN"
      }'

Check the charge status

Poll the charge, or configure a webhook endpoint to be notified automatically when it’s paid.

    curl https://sandbox-api.luminpay.co/charges/{id} \
      -H "Authorization: Bearer YOUR_TEST_API_KEY"

Go live

Once your integration is tested and your business is Tier 2 verified, request to go live from your dashboard to receive a Live API key (lmp_live_...). Repeat the same requests against https://api.luminpay.co with your Live key instead. See Sandbox vs Live for the full comparison.

Fees and settlement

LuminPay charges a flat 1% per transaction, with no setup or monthly fees. Stablecoin payments settle to your bank account once daily; Bitcoin payments are swept every 5 minutes and settle on the same daily cycle. New accounts start with a ₦50,000 daily limit. Complete identity verification to raise this to ₦500,000/day, or full business verification for unlimited daily volume.

Need help? Reach out to us at support@luminpay.co.

​Prerequisites

​Get started

​Fees and settlement

Prerequisites

Get started

Fees and settlement