Lumra was built to help businesses catch risky payment changes before they pay.
Payment fraud often looks routine until the money is gone. Lumra was created to add a practical verification step before payment, so business owners, bookkeepers, and finance teams can make safer decisions with more confidence.
Because normal-looking invoices can still send money to the wrong place.
Many payment redirection scams do not arrive as obvious cyber attacks. They often 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. Instead of asking businesses to “be more careful” in the abstract, it gives them a practical check that fits into the workflow they already have.
What Lumra is designed to do
- ✓Start with an unpaid bill in Xero
- ✓Check the bank details shown on the invoice
- ✓Compare them against the supplier details already trusted
- ✓Highlight mismatches clearly before payment is approved
- ✓Require callback verification before saving new details
Good controls should be practical enough to use every day.
Lumra is not trying to turn accounts payable into a complex security program. It is 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.
Lumra is not trying to be everything.
It is not pretending to solve every fraud problem in a business. It is 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.
See how Lumra helps your team verify invoices before payment.
Built for a practical approval step. Designed to help businesses catch risky changes before money leaves the account.