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Payment execution for verified businesses

Three services, available only to legal entities that have passed our onboarding, all run under a single compliance framework.

Money transfers

Domestic and cross-border transfers on the client’s instruction.

Before a client sends its first payment, we verify the business, map who owns it and assign a risk rating. After that, every transfer is screened against sanctions lists and checked against the profile set at onboarding. We work with companies only and never with individual consumers.

  • Business verification, ownership review and risk rating before activation
  • Sanctions screening of the client and, where relevant, its counterparties
  • Ongoing monitoring with escalation to the Compliance Officer
  • Payments accepted only from accounts in the client’s own name

Foreign exchange

Spot conversion that exists to complete a commercial payment.

We convert currency only as part of a payment we execute for the client, and always at the spot rate. Forwards, speculative positions and investment services of any kind are outside what we offer.

  • Tied to an underlying commercial payment
  • Spot transactions only
  • Not available for speculation or investment

B2B payments

Settling commercial obligations between legal entities.

We help businesses pay other businesses, including suppliers abroad and operational transfers between entities. Each relationship must be approved and covered by a contract, and the commercial reason for the flow must be on record.

  • Cross-border supplier and vendor payments
  • Operational transfers between legal entities
  • Only under an approved client agreement

Outside our scope

Our registration covers money services. Some products are not part of it, and we state that openly.

  • Not offered:Banking products of any kind
  • Not offered:Stored-value or consumer wallet products
  • Not offered:Credit or lending
  • Not offered:Investment or speculative trading services
  • Not offered:Services for individuals acting as consumers
  • Not offered:Business connected with restricted jurisdictions

How onboarding works

Every client follows the same documented sequence. No payment is executed until verification is complete.

  1. 01

    Enquiry

    You tell us who you are, where you operate and which payment flows you need.

  2. 02

    Initial screening

    Our compliance team checks the request against our risk appetite and the list of restricted jurisdictions.

  3. 03

    Documents

    You provide incorporation papers, registers of directors and shareholders, an ownership chart and ID for key individuals.

  4. 04

    Risk assessment

    We screen, verify and rate the relationship. Enhanced due diligence applies where risk requires it, and high-risk clients need Compliance Officer approval.

  5. 05

    Agreement and go-live

    Services start once the client agreement is signed and verification is finished.

Every client relationship begins with a review

Describe your company and the payments you need to make. Our team will explain the onboarding procedure and the documents it requires.

Money transfers, foreign exchange and B2B payments for verified companies, delivered under a written AML/CTF program.

Support: Monday to Friday, 9:00 to 17:00 Pacific Time, except British Columbia statutory holidays

Registered office

LUMEN PAYMENTS LIMITED 5307 Victoria Drive #1277
Vancouver BC V5P 3V6
Canada
BC registration No.
BC1582665
FINTRAC MSB No.
N300001690

lumenpayments.io is owned and operated by LUMEN PAYMENTS LIMITED, a company incorporated in British Columbia, Canada, under registration number BC1582665. Its registered office is located at 5307 VICTORIA DRIVE #1277, VANCOUVER BC V5P 3V6, CANADA.

LUMEN PAYMENTS LIMITED is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB), holding registration number N300001690. The Company's activities are subject to the applicable requirements of Canada's Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).

Registration with FINTRAC is not a licence, is not prudential supervision and is not an endorsement by FINTRAC or the Government of Canada. LUMEN PAYMENTS LIMITED is not a bank. Services are provided only to verified business clients under a signed client agreement.

© 2026 LUMEN PAYMENTS LIMITED. All rights reserved.