About Lumra
Built to help businesses catch risky payment changes before they pay.
Payment fraud often looks routine until the money is gone. Lumra adds a practical verification step before payment, so owners, bookkeepers, and finance teams can make safer decisions with more confidence.
Why Lumra exists
Because normal-looking invoices can still send money to the wrong place.
Many payment-redirection scams don’t arrive as obvious cyber attacks. They look like ordinary invoices, sent in the middle of normal business, with bank details changed quietly enough to be missed during a busy approval process.
Lumra focuses on that moment just before payment — giving businesses a practical pay-run verification step that fits around the Xero workflow they already use.
What Lumra is designed to do
- Load unpaid bills from Xero
- Verify supplier identity and payment details before the pay run
- Compare Xero details against trusted supplier fingerprints
- Separate safe bills from anything that needs review
- Require callback verification before saving changed details
What we believe
Good controls should be practical enough to use every day.
Lumra isn’t trying to turn accounts payable into a complex security program. It’s built around one idea: the person approving payment should have a clearer answer before money leaves the business.
Clear before clever
The workflow should help someone make a better decision quickly, not bury them in technical noise.
Verification matters
When details change, the right response is to stop and verify the change with a trusted supplier contact.
Trust needs a record
A useful audit trail helps teams understand what was checked, what changed, and when it was verified.
- Business owners
For people who want a simple way to reduce the chance of paying the wrong account.
- Bookkeepers and finance staff
For teams that need a practical, repeatable check before payment approval.
- Growing teams
For businesses that want a stronger verification habit as more people become involved in accounts payable.
What Lumra is not
Lumra is not trying to be everything.
It’s not pretending to solve every fraud problem in a business. It’s focused on a very specific control point: helping teams catch risky supplier payment changes before payment is approved.
That focus is the strength of the product. Instead of trying to cover every possible workflow, Lumra is built to do one important job well.
Ready to see it?
See how Lumra helps your team verify Xero pay runs before payment.
Built for a practical approval step — catching risky changes before money leaves the account.