Checkout flow
Customer eligibility and checkout drop-off are read first.
LumenPay Business / Service Detail
Pay in three instalments
Customers can spread purchases without friction while merchants reduce basket abandonment. LumenPay Business operates Pay in three instalments as one merchant flow across approval, instalments, settlement and risk signals. Checkout exits and settlement review points are read together to keep revenue movement lighter.
At a Glance
Brand
LumenPay Business
Type
Service
Content
01
01
Checkout flow
02
Settlement ledger
03
Risk rule
01
03
Operating Model
Pay in three instalments 운영 구조
Customers can spread purchases without friction while merchants reduce basket abandonment. LumenPay Business operates Pay in three instalments as one merchant flow across approval, instalments, settlement and risk signals. Checkout exits and settlement review points are read together to keep revenue movement lighter.
Payment release room
Checkout flow
01
Flow
02
Ledger
03
Risk
Settlement ledger
Approval, cancellation and settlement states become an operator ledger.
Risk rule
High-risk orders and policy review rules connect to merchant guidance.
Detail Proof
Payment Signals in the Merchant Ledger
Approval, drop-off, settlement and risky orders are held on one screen to keep merchant revenue moving.
3s
Approval path
Checkout to approval is watched as one movement.
3x
Instalments
Payment choices reduce purchase friction.
1d
Ledger check
Operators review the ledger the next business day.
12+
Risk rules
Risky orders and refund signals are classified early.
Checkout to approval is watched as one movement.
Payment choices reduce purchase friction.
Operators review the ledger the next business day.
Risky orders and refund signals are classified early.
Next Step
Connect Pay in three instalments to the merchant ledger
Pay in three instalments connects approval, settlement, risk and campaigns inside one merchant ledger.
Before we start
Merchant release
Merchant adoption is opened around payment and settlement rules
Checkout, ledger and campaigns are reviewed in one flow.
Pay
Ledger
Risk
Campaign
- ✓ Approval and settlement rules are aligned
- ✓ Risk rules and customer messages are prepared
- ✓ Merchant campaign metrics are connected
