Does Luby integrate cards, ACH, and wallets on a single platform?

Yes. We build unified payment infrastructure that orchestrates cards (with multi-acquirer routing and PCI-DSS tokenization), ACH and account-to-account, and digital wallets under a single reconciliation and audit-trail layer.

Do you build from scratch or integrate with existing providers?

Both. We can build the gateway and ledger from scratch, as we did in the cross-border payments gateway and the iGaming infrastructure, or integrate and orchestrate the acquirers, PSPs, and rails you already use, with failover and smart routing on top.

How is compliance (PCI-DSS, AML/KYC) handled?

Compliance is part of the design, not an afterthought. Tokenization and PCI-DSS segregation for cards, adherence to network rules, and onboarding with identity verification, sanctions screening, and anti-money-laundering (AML/KYC) for cross-border operation.

Does the infrastructure support real-time settlement and split payments?

Yes. We work with our own ledger, balances, split between recipients, and T+0 or T+1 settlement with automatic reconciliation, which is essential for marketplaces, wallets, and platform models.

What is Luby's experience with high-volume payments?

We've shipped payments in production for demanding scenarios: a cross-border payments gateway between the U.S. and Latin America, multi-method resilient infrastructure for iGaming, and an international remittances platform that connected 13M+ users across 40+ countries.

Payments · Financial Services Payment infrastructure that approves more and never goes down

Cards, wallets, ACH and real-time rails on a single resilient, compliant core. From real-time settlement to cross-border money movement, we build the layer that powers banks, fintechs, and platforms.

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+13M

users connected on a payments platform we built

The challenge

Payments is where the business can't fail

It's the most critical layer of any financial operation: any instability, friction, or compliance gap turns into lost revenue and regulatory risk. The gaps we see most:

Downtime is expensive

Every minute a gateway is down is a lost transaction and a customer sent to a competitor. Payments have no maintenance window.

Fragmented rails

Cards, wallets, ACH, real-time rails, and acquirers, each with its own API, SLA, and format. Integrating and maintaining all of it becomes a never-ending project.

Compliance that keeps moving

Compliance isn't a launch checkbox. It's a moving target: PCI-DSS, network rules, and fraud prevention.

Reconciliation and reversals

Refunds, chargebacks, split payouts, T+0 or T+1 settlement. Without an auditable trail and automatic reconciliation, finance never closes the books.

How we implement

From demo to production, in real payments

It's not an API wrapper. It's critical-infrastructure engineering, with the standards we learned shipping payments in production for the most demanding scenarios.

Real-time payments, from QR to cross-border

Collection, refunds, and dynamic QR ready to scale, with real-time reconciliation and direct rail integration. We've already taken instant payments across borders in a gateway connecting the U.S. and Latin America.

Cards and ACH that approve more

Lift your approval rate with multi-acquirer routing, smart retries, and inline fraud prevention, with PCI-DSS-grade security. ACH and account-to-account with automatic settlement and reconciliation.

Digital wallet and money that lands instantly

Balances, split between recipients, and T+0 settlement with a wallet under your brand. That's the foundation that powered a multi-method, high-resilience payments operation in the iGaming market.

Ready to operate across countries

Onboarding with identity verification and anti-money-laundering built in, so you launch in new markets without stalling on compliance. The same foundation that connected 13M+ users in international remittances.

Use cases