Modernizing payments from the ground up
We chose the road less traveled with a plan to make a difference.
Many civilizations simply built new cities on top of the old ones. The payments industry has been no different – layering solution upon solution to address the inability of legacy systems to meet the ever-changing needs of commerce around the globe. It’s been almost 40 years since a company built a new payment processor from the ground up. We figured it was time for someone else to give it a shot.
Our core mission
Lüt is a modern payments processor built by and for industry leaders and designed to bring consumers and merchants together wherever commerce happens.
Challenge the status quo
Innovate to disrupt
in a responsible way
Strive for excellence

to make payments accessible
Serve without prejudice
whenever and wherever possible
Boldly go where needed
So modern, we have a patent-pending on our underlying architecture
Proudly different by design...
- Modern to the core: Built from the ground up in the cloud
- Reliable by nature: Multi-cloud resilience and scalability
- Flexible when needed: Microservice-based to adapt quickly
- Integration-friendly: API-driven to keep it simple

- Highly secure:
Military-grade encryption to keep things safe
- Situationally aware: Fraud protection built in
- Inherently global: Go anywhere the cloud goes
...with disruption in our DNA
- Eliminate middleware by integrating directly with merchants, PayFacs, and integrated software vendors
- Expand the aperture to high-risk industries via private payment rails that can’t be shutdown
- Respond rapidly to new market opportunities by leveraging the world’s most modern payments architecture
- Scale globally
by following the cloud to enable our private payment rails in any market we choose to enter
- Flex infrastructure
to align costs with demand in real-time using our cloud-native, multi-cloud architecture
- Streamline onboarding with an end-to-end digital experience accessible by merchants and resellers alike
“Built with the most advanced architecture we have seen in the payments industry, Lüt is the first payment processor in the world that we know of to be PCI DSS certified across all three major cloud providers.”​
– Globally recognized PCI auditor
Don't blink - because we're on the move
Open-Loop Issuing
In the near future, we plan to become an open-loop issuer of digital debit cards that will be embedded within our Lüt mobile app so that users can use Lüt anywhere in the world where cards are accepted. This do-it-yourself approach will allow Lüt to further differentiate our mobile payments offering from the competition.
Open-Loop Acquiring
Sooner than later, we also plan to disrupt the payments ecosystem by certifying our cloud-native, multi-cloud switch with the card networks. Unburdened by the limitations of mainframe computing, Lüt will bypass today’s intermediaries and give merchants direct access to scalable, resilient payment processing.
Wherever money moves, we will be there
Consumers
Our Lüt mobile payments app is a secure, easy-to-use mobile payments platform that offers cash rewards, guides users to merchant savings, and generates passive income for users who help us expand our reach.
Merchants
At Lüt, we don't want to leave any merchant behind. We pride ourselves on offering a wide array of payment solutions to meet the needs of merchants across the landscape of traditional and high-risk industries.
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
Guy Hawkins
President of Sales
