Pre-payment protection
The invoice looks real.
The bank details are not.
Lumra checks every supplier’s account against the details you’ve already trusted — and stops the pay run the moment something’s been changed.
30-day free trial · then $79/month · cancel anytime.
Confirm the new account by phone before this bill can be paid.
Why this matters
It starts with one changed bank detail on a real invoice.
Scammers change the BSB and account number on a bill you were already expecting — after hacking a supplier’s email, or impersonating their address by changing a single letter. Nothing about the invoice looks wrong.
reported lost to payment redirection scams in Australia in 2025, up 9.3% on the year before — National Anti-Scam Centre, Targeting Scams, March 2026.
What a small Australian business lost on average, per reported cybercrime incident, in 2024–25.
ASD Annual Cyber Threat Report 2024–25Business email compromise with a financial loss — one of the top three cybercrimes self-reported by Australian business.
ASD Annual Cyber Threat Report 2024–25A NSW construction company was sent fraudulent invoices by criminals who had spoofed a trusted supplier's email.
AFP media release, 28 October 2025How Lumra works
A calm checkpoint between your bills and your bank.
You keep working in Xero. Lumra sits in front of the pay run and only speaks up when something’s worth a second look.
Connect Xero
Load your unpaid bills in a click. Nothing changes in your accounting workflow.
Lumra checks each supplier
Bank details, ABN, and domain are matched against the fingerprint you've already trusted.
Clear or hold — you decide
Safe bills are cleared. Anything changed is held with a clear reason and a verify step.
You stay in control
Serious about fraud. Easy on your day.
Lumra never moves money and never changes your bills. It’s a second set of eyes that only flags what matters — so your team isn’t drowning in noise.
- Your bank details are hashed, never stored raw
- A full audit trail on every decision
- Final approval always stays with you
Founding members
Don’t find out after the money’s gone.
We’re taking our first 20 businesses on as founding members — worked with directly, and listened to first.
- Personal onboarding with the founder — set up together, on a call
- Founding price — $39/month for your first 24 months (normally $79/mo)
- First say on the roadmap — MYOB, multi-user, and whatever you need next