Luminor E‑Commerce Gateway. FAQ

Luminor E-commerce Gateway is fast and effective way to collect funds from buyers in convenient way, if you are providing service or selling product on e-shop or via social media

Online service which accesses a user’s payment account to initiate the transfer of funds on their behalf with the user’s consent and authentication. Payment initiation services is alternative to Banklink service or payments via payment cards in e-commerce environment. Payment initiation can be conducted from Swedbank, SEB, Citadele, LHV banks.

Fees for card transactions are calculated and deducted from volume, prior to card transaction settlement within merchant account. 

Fees for transactions that has been processed via Luminor Link and payment initiating service as payment method are calculated and deducted based on volumes in past month in the beginning of each following month. (until 10th of date) 

After special offer period, standard price list will be applied according to the pricelist. 

Yes, you need to open account in Luminor bank for fund collection.

Please fill in application on Luminor page here.

Usually it takes 2 working days to process application and prepare agreement. Additional time might require, if account opening to be preformed in Luminor bank.

1. Bank will deliver test and production secret keys, if sales performed via e-shop.
2. Bank will provide access to merchant portal. 
3. You will make implementation, if sales performed via e-shop.
4. You will confirm fulfillment of Requirements for Communication, Website Content and Design.
5. Bank will activate service.
6. You will be able to start to accept payments via E-Commerce Gateway.

Yes, it is possible to use Merchant portal without e‑shop. Merchant portal will let send out invoices with Link to pay for easy and convenient payment collection from buyer.

As Merchant portal Administrator might be set Only Authorised signatory of the company that has been identified by the bank.

Administrator is able to create access to other Merchant portal users, via Merchant portal user administration section.

Once agreement signed and received by the bank, it will be required 2 working days.

WooCommerce, Opencart, Shopify, Magento, PrestaShop, Mozello platforms can be used.

Manuals for plug in installations are available here. 

It is essential to choose coding language, if you don’t use plugin. REST API communication is used for integration of E‑Commerce Gateway service, while it is up to IT choose the preferable coding language. 

WooCommerce – version 3.5 and higher
Opencart – version 3.0 and higher
Shopify
Magento – version 2.0 and higher
PrestaShop – version 1.7 and higher

Check if Brand ID or Secret Key do not contain some wrong symbol or some unnecessary space in the front or end of the key.

Yes, use REST API integration method to integrate within phone application.

Basic requirements that Merchant need to comply with to give to it`s buyers best possible understanding of products, payments, delivery, refund and personal data processing. All Requirements you can find here.

If you want to confirm that you meet Communication, Website Content and Design requirements, you must submit a signed confirmation form to the bank. You can find this form here.

Activation e‑mails notifies when service is activated by bank in production environment. This is moment when merchant can start to use in production platform production secret key sent in e‑mail previously or start to send invoices via Merchant portal.

Once agreement signed and received by the bank, it will be required 2 working days.

Use brand ID and test secret key to perform integration tests, by testing successful and unsuccessful transaction.

Use brand ID and production secret key in production e shop when bank has confirmed service activation.

Mozello offers package with included integration under Premium Plus package.

Within Purchase object parameters "language" to be set by providing one of listed parameters:
lt – Lithuanian
lv – Latvian
et – Estonian
en – English
ru – Russian

Luminor, Swedbank, SEB, Citadele, LHV banks when used Luminor Link or Payment initiation service as payment methods.

Visa, Mastercard, private and company credit and debit cards can be accepted.

Luminor bank currently do not provide recurring payments service, but we are working to implement it.

Usually such notification is received within 5 minutes, once buyer confirms transaction (despite it was done by card, Luminor link of via payment initiation payment method).

• Card transactions will be received on next working day. 
• Luminor Link payments which are made within the same country will be received within 5 minutes.
• Luminor Link payments which are made cross countries (payer and receiver account in different countries) will be received according to SEPA  payment processing conditions, set in payer bank. Usually such payments are received within the same working day, if payment confirmed until ~16:00, or on next working day, if after 16:00.
• Funds from transactions that has been initiated under Payment initiation service payment method from Swedbank, SEB, Citadele, LHV will be received according to SEPA  payment processing conditions, set in payer bank. Usually such payments are received within the same working day, if payment confirmed until ~16:00, or on next working day, if after 16:00.

Within Purchase object parameters “description” value to be set.

You can check payment status:
1) in Merchant portal (operation section)
2) If using Rest API, detailed information on statuses can be found here

Security deposit is applied in some cases, when card acquiring as payment method is included in E‑Commerce Gateway agreement and area where Merchant acting has higher risk exposure. Bank applies security deposit as part of mitigation actions of it`s risks within cooperation with particular Merchant.