When you knock on payment’s door,

Lüt answers

Lüt bridges the cashless payments gap between merchants in traditional and high-risk industries.

Merchants in high-risk industries can rest assured that Lüt will never experience mandated shutdowns. Why? Because our mobile payments app runs on its own private, closed-loop payment rails. If that isn’t good enough for you, our good funds model virtually eliminates the NSF risk of existing account-to-account payment platforms and we built in features that your clerks will love while preserving your point of banking revenue streams.

Filled with perks and here to stay

No risk of shutdown by the card networks

Lüt’s revolutionary closed-loop payment system operates on private payment rails completely independent from the traditional card networks—eliminating the threat of mandated shutdowns that plague high-risk merchants.

Cashless payments without the side effects

Until Lüt, ditching point of banking solutions meant abandoning a significant revenue stream for high-risk merchants while reducing tip income for their clerks. Talk about lose-lose. Well, not anymore! With Lüt’s built in tips and surcharges capability, merchants and clerks can both continue to enjoy the benefits of point of banking solutions without the downside of handling cash or worrying about an unexpected, mandated shutdown.

eCommerce without the cash or NSF risk

Lüt has finally cracked the eCommerce nut for high-risk merchants. Our good funds digital payment platform enables online eCommerce orders and supports in-store pickup and delivery without the need for cash at any stage of the payment transaction.


  • Verify and hold available funds when the online order is placed
  • Finalize payment upon pick up or delivery
  • Automatically void payment for failed pickups or deliveries
  • Charge convenience fees just like existing point of banking solutions

Consumer loyalty built into every transaction

The Lüt digital wallet is a revolutionary mobile payments app that delivers the consumer loyalty benefits of a store card without the plastic. Unlike pre-paid debit and store cards, Lüt does not require a minimum number of patrons for merchants to take advantage of our consumer loyalty features.


  • Get cash back on every purchase
  • Submit reviews to get more cash back on every purchase
  • Take advantage of promotional offers without the need to opt in
  • Earn passive income by referring Lüters to sign up and use the app

Ongoing passive referral income for merchant clerks

Lüt’s first-of-a-kind referral program helps merchants attract and retain quality clerks. In addition to a one-time bonus, clerks who sign up new Lüters will earn ongoing passive income based on the purchasing activity of the Lüters they signed up.


  • Thank you bonus after each referred Lüt has completed five transactions
  • Earn 0.1% of the purchase amount for each transaction made by your referred Lüters
  • Every Friday is Lüt Pay Day for earnings made from referred Lüters

More convenience with fewer headaches

Unconstrained by the limitations of legacy technology, Lüt’s closed-loop platform provides a superior merchant experience unrivaled in the payments industry.


  • Funds settled next-day for everything purchased with Lüt through the end of the day
  • World-class reporting to track daily settlement activity
  • No midday cutoffs for simplified POS and accounting reconciliation