Adebayo StudioINV-000184
Brand identity refresh₦48,400
Monthly retainer · design support₦30,000
Total due₦78,400
Matched · ₦0 due
RECEIVABLES FOR GROWING BUSINESSES
Turn every invoice into predictable cash.
Create professional invoices, collect payments, reconcile what arrived, and know exactly what needs attention.
Built for NGN invoicing and Paystack payment flows.
For the people who turn finished work into cash.
- Growing businesses
Send one clear invoice and see exactly what is due, overdue, and paid.
- Agencies & professional services
Bill project work with line items your customer can actually understand.
- Finance & receivables teams
Keep invoice, payment, receipt, and review state in one operating view.
HOW IT WORKS
One invoice, from creation to financial truth.
Follow INV-000184 as it moves from an Adebayo Studio draft to a matched, receipted payment from Northstar Projects. No new object appears mid-story.
Create
Build the invoice with the details your customer actually needs.
Share
Send one clear document instead of another email attachment chain.
Pay
Your customer sees what is due and has one clear next step.
Verify
Lumina waits for provider-confirmed payment truth.
Match
The payment resolves against the invoice instead of becoming another mystery transfer.
Know
The invoice, payment, receipt, and business position stay connected.
CustomerNorthstar ProjectsNorthstar Projects Ltd · billing on file
Line items · catalogueBrand identity refresh — ₦48,400Monthly retainer · ₦30,000 · + Add item
Total · live preview₦78,400Net 14 · Ref NORTH-2026-041
Catalogue item reused. Totals update in the customer preview before sending.
Adebayo Studio · SharedINV-000184
Bill to Northstar Projects · Due 30 July 2026
Brand identity refresh₦48,400
Monthly retainer₦30,000
Total due₦78,400
Public link ready. No account needed to open the document.
Invoice from Adebayo Studio₦78,400 due
INV-000184 · Due 30 July 2026
Pay ₦78,400 online
Redirected to Paystack to complete payment.
One amount, one button. The payer never sees internal tooling.
Provider referenceT8129-4F3A-90LXPaystack · successful charge
Amount confirmed₦78,400Server-side verification · no optimistic update
Lumina waits for provider-confirmed truth before touching the balance.
Reference resolves to invoice T8129-4F3A-90LX → INV-000184Customer Northstar Projects
Balance₦0 dueWas ₦78,400 · now settled
No mystery transfer. The payment has a home.
INV-000184 · paid₦78,400 collectedReceipt RCT-000241 issued · immutable
Overview updatedOutstanding down · Collections upLatest activity: T8129-4F3A-90LX matched
Invoice, payment, receipt, and dashboard stay connected.
Create
Build the invoice with the details your customer actually needs.
CustomerNorthstar ProjectsNorthstar Projects Ltd · billing on file
Line items · catalogueBrand identity refresh — ₦48,400Monthly retainer · ₦30,000 · + Add item
Total · live preview₦78,400Net 14 · Ref NORTH-2026-041
Catalogue item reused. Totals update in the customer preview before sending.
Share
Send one clear document instead of another email attachment chain.
Adebayo Studio · SharedINV-000184
Bill to Northstar Projects · Due 30 July 2026
Brand identity refresh₦48,400
Monthly retainer₦30,000
Total due₦78,400
Public link ready. No account needed to open the document.
Pay
Your customer sees what is due and has one clear next step.
Invoice from Adebayo Studio₦78,400 due
INV-000184 · Due 30 July 2026
Pay ₦78,400 online
Redirected to Paystack to complete payment.
One amount, one button. The payer never sees internal tooling.
Verify
Lumina waits for provider-confirmed payment truth.
Provider referenceT8129-4F3A-90LXPaystack · successful charge
Amount confirmed₦78,400Server-side verification · no optimistic update
Lumina waits for provider-confirmed truth before touching the balance.
Match
The payment resolves against the invoice instead of becoming another mystery transfer.
Reference resolves to invoice T8129-4F3A-90LX → INV-000184Customer Northstar Projects
Balance₦0 dueWas ₦78,400 · now settled
No mystery transfer. The payment has a home.
Know
The invoice, payment, receipt, and business position stay connected.
INV-000184 · paid₦78,400 collectedReceipt RCT-000241 issued · immutable
Overview updatedOutstanding down · Collections upLatest activity: T8129-4F3A-90LX matched
Invoice, payment, receipt, and dashboard stay connected.
PROFESSIONAL INVOICING
Compose the invoice once. Let the customer see exactly what you meant.
Build from reusable products and services or add an item on the fly. Set payment terms, add a customer reference, and preview the customer-facing invoice before it leaves your workspace.
EditorDraft
CustomerNorthstar ProjectsNorthstar Projects Ltd
Catalogue Brand identity refresh addedReusable product · ₦48,400
Line items2 items · Qty 1 each Add item on the fly
Payment termsNet 14Customer ref NORTH-2026-041
Set terms, reference, and memo once. The preview on the right is what the customer opens.
Customer previewLive
Adebayo StudioINV-000184
Bill to Northstar Projects · Due 30 July 2026
Brand identity refresh₦48,400
Monthly retainer · design support₦30,000
Customer referenceNORTH-2026-041
Total₦78,400
PAYMENTS & RECONCILIATION
Know what happened after checkout.
Matched payments stay simple. Real exceptions stay visible until they are resolved.
MatchedIllustrative demo data
Confirmed payment₦78,400
PAYMENT UNDERSTOOD
The payment lands where it belongs.
Lumina confirms the Paystack event, matches the reference to INV-000184, updates the balance, and issues RCT-000241 without a manual reference check.
- Reference
- T8129-4F3A-90LX
- Invoice
- INV-000184
- Provider
- Confirmed
- Invoice balance
- ₦0 due
- Receipt
- RCT-000241
Next clear stateReceipt RCT-000241 issued · Balance ₦0 due
RECEIVABLES VISIBILITY
See what needs attention before it becomes a surprise.
Outstanding balances, overdue invoices, confirmed collections, and real reconciliation issues share one operating view.
Outstanding₦86,400Across 12 invoices
Overdue₦18,0003 invoices
Net collected₦132,850Successful less refunds
Needs attention2Real exceptions
Collections · last 8 weeks
Confirmed collections trend
Illustrative demo data · successful payments less processed refunds
Latest matched paymentCurrent position Real exceptions
T8129-4F3A-90LX matched
INV-000184 · Northstar Projects · ₦78,400
Net collected, outstanding, and overdue stay in one hierarchy.
Only genuine review items surface. Retries and noise stay in history.
Net collected, outstanding, and overdue stay in one hierarchy.
Only genuine review items surface. Retries and noise stay in history.
Every matched payment keeps its reference, invoice, and receipt.
A BETTER WAY TO GET PAID
Give the customer one clear invoice and one clear next step.
Customers can open a public invoice without a Lumina account and pay online when your business payment setup is active.
Paystack handles the payment flow. Lumina only updates state after provider confirmation.
Invoice from Adebayo StudioINV-000184
Northstar Projects · Due 30 July 2026
Brand identity refresh₦48,400
Monthly retainer₦30,000
Amount due₦78,400
TRUST & CONTROL
Financial clarity without becoming your bank.
Lumina keeps invoice and payment operations connected while Paystack handles the payment flow and your team keeps role-scoped control.
Provider-confirmed payment status
Payment state follows Paystack confirmation rather than optimistic UI state.
No business secret keys in the app
Businesses do not paste Paystack secret keys into Lumina.
Masked payout context
Operational views avoid exposing full payout account details.
Role-scoped access and audit history
Team roles and audit logs keep sensitive actions accountable.
Payment setup · Active · ****4821
Audit · RCT-000241 issued
Before you join
Clear answers for careful operators.
Lumina is deliberately specific about what it does, where payment truth comes from, and which financial responsibilities remain with Paystack and your business.
Does Lumina hold my funds?
No. Lumina does not hold funds or provide wallet balances. Invoice payments use your organisation's configured Paystack payout setup.
Do I provide my Paystack secret key?
No. Lumina uses its own server-side Paystack integration and organisation-level subaccounts. Businesses do not paste Paystack secret keys into the product.
How does Lumina know an invoice was paid?
Payment status is confirmed from Paystack. Signed webhooks are the primary confirmation path, with server-side transaction verification as a fallback.
What happens if a customer pays twice?
Confirmed payments determine the financial result. If successful payments exceed the invoice total, Lumina flags the excess for review. Owners and admins can initiate an excess refund, and the state changes after provider confirmation.
Can customers pay without an account?
Yes. Public invoice links open without signing in. Online payment is available when the business has active Payment Setup.
Is Lumina accounting software?
No. Lumina focuses on customer invoices, online payment collection, reconciliation, refunds, receipts, and operational reporting. It is not full bookkeeping, payroll, inventory, or tax-filing software.
Which country/currency is currently supported?
The initial product is designed around Nigerian businesses, Nigerian bank accounts, NGN invoices, and Paystack.
GET STARTED
Turn outstanding invoices into a workflow you can control.
Create your Lumina workspace and send your first professional invoice.
Your workspaceCreate your Lumina workspace
Business details, invoice defaults, and Paystack payout setup in three short steps.