Multi-currency business accounts.
Simplified.

A multi‑currency business account lets a company hold, receive and pay in more than one currency from a single account relationship. With LumaPay you get local account details in CAD, USD, EUR, GBP and AUD, so a client in Germany pays you by SEPA and a client in Texas pays you by ACH, and both land in accounts in your business’s name.

LumaPay is a registered money services business that gives companies multi‑currency accounts, institutional foreign exchange and cross‑border payments in one platform, with conversion between fiat and selected stablecoins as an extra. Once your business is verified, you hold, convert and send money from the LumaPay client portal.

LumaPay is registered as a money services business with FINTRAC in Canada (MSB No. N300000964) and works with regulated electronic money institutions and licensed payment providers in the UK and Europe. Every client passes KYB, AML and sanctions checks, and payments are monitored in real time. MSB registration is not a regulator’s endorsement and not a banking licence; our Regulatory Disclosures explain how each service is provided.

Registered businesses in the markets we serve. Every application goes through onboarding and compliance checks. Some sectors need additional review and some are not eligible; our Acceptable Use Policy sets out which.

LumaPay supports businesses moving money between Canada, the United Kingdom, the European Union, the United States and Australia. We open new markets only after our compliance team has assessed and approved them, and we never serve sanctioned jurisdictions.

You fund the payment from one of your currency balances, convert at the live rate if the payee’s currency is different, and we route it over the destination country’s domestic rail, such as SEPA for euros or ACH for US dollars. The payee receives a local transfer, you see each stage in the portal, and there are no correspondent banks in the middle taking a cut.

Tell us about your business at support@lumapay.net. Our onboarding team will walk you through the next steps, the documents you’ll need and the expected timeline.

Sending your details takes minutes. Approval then depends on your documents and the verification your business needs. Our onboarding team gives you a timeline as your application progresses.

Rates come from institutional liquidity in real time, and you see the full rate before you convert. Each quote is held for a short window, typically 15 to 60 seconds, and a conversion is final once you confirm it. Fees are agreed up front in your fee schedule.

A virtual IBAN is an account number issued in your business’s name that routes payments to your LumaPay account. Clients and marketplaces pay it as they would any local account, and you can issue different virtual IBANs to see which customer or platform each payment came from.

It depends on the currency, the rail and each bank’s cut‑off times. Where a domestic rail such as ACH, SEPA, Faster Payments or Interac is available, your payment travels as a local transfer, and you can follow it in the client portal until it settles.

Email support@lumapay.net with the payment reference. Our team will check where it is and tell you what happens next.

It depends how far it has progressed. A payment that hasn’t been approved or processed may still be stopped. A currency conversion is final once you confirm it, so contact support as soon as you can, with the reference.

Email support@lumapay.net for help with your account or a payment, and compliance@lumapay.net for compliance questions.

We convert between fiat and selected stablecoins, such as USDC, as an addition to our core account, FX and payment services. What’s available depends on your account, your jurisdiction and the network. Digital assets can lose value and aren’t covered by deposit insurance.

The networks open to your account are shown in the client portal. They depend on the asset and the type of transaction.

There are two legs: the blockchain network confirming the transfer, and the bank clearing the fiat side through its local system. A compliance review, where one is needed, adds time. You can follow each conversion in the client portal.