Closing the Gaps with Global Smart Orchestration
The Challenge
Limited Geographic Reach
Shopify Payments supports only 36–40 countries, leaving fast-growing emerging markets underserved in LATAM, MENA, Africa, and Asia.
Vertical Restrictions
High-risk verticals like dropshipping, digital goods, jewelry, and travel face systematic declines or exclusions.
VAMP Compliance Pressure
Impending Visa rules will force hundreds of thousands of merchants off payment platforms as chargeback thresholds tighten and acquirers exit risky categories.
The Result: Shopify risks losing GMV and merchant loyalty in the world's fastest-growing commerce segments.
The Solution: Lumino Smart Orchestration
Lumino's global orchestration layer connects Adyen, Fiserv, and Nuvei PayFacs into a unified payments backbone, expanding Shopify's reach through intelligent routing.
01
Expanded Geographies
LATAM, MENA, Africa, South & Southeast Asia, Eastern Europe — markets where Shopify Payments isn't present today.
02
Expanded Verticals
Dropshipping, digital goods, jewelry, travel, supplements — segments typically declined or restricted.
03
Smart Protection
VAMP compliance, fraud deflection, higher accept rates, and faster onboarding across all segments.
15+
New Markets
Countries where Shopify can expand immediately
<24hr
Onboarding Speed
Same-day approvals even in high-risk segments
95%
Fraud Deflection
TC40/chargeback disputes blocked before hitting networks
The Win-Win-Win Opportunity
For Shopify
  • Retain merchants who would otherwise churn
  • Expand TAM without regulatory overhead
  • Protect GMV through reduced merchant disputes and VAMP shutdowns
For Merchants
  • Faster approvals across global markets
  • Access to previously restricted verticals
  • Built-in VAMP compliance protection
For Lumino
  • Serves as the trusted fallback and risk-absorber, complementing Shopify Payments.
  • Provides orchestration intelligence and fraud-deflection to de-risk Shopify’s ecosystem.
This partnership creates a safety net that keeps merchants within Shopify's ecosystem while expanding into previously impossible markets.
Executive Takeaway
By partnering with Lumino's smart orchestration layer, Shopify can seamlessly extend payments coverage to underserved geographies and verticals while protecting GMV from VAMP-driven losses.
1
Current State
Shopify Payments serves core markets and low-risk merchants effectively
2
Enhanced State
Lumino orchestration absorbs higher-risk segments, protecting the entire ecosystem

This is not replacement — it's augmentation. Shopify maintains primary acquirer status while Lumino ensures no merchant is left unserved in a globally inclusive ecosystem.
Future-Proofed Platform
VAMP-compliant infrastructure ready for tightening regulations
Global Inclusivity
No geographic or vertical barriers to merchant success
Protected GMV
Reduced churn and expanded addressable market
Conscious Commerce: Beyond Transactions
Lumino redefines payment processing by placing merchants at the forefront, empowering their growth and impact.
Merchant-First Ethos
Transparent pricing and dedicated support for all categories, including underserved ones, ensuring fair treatment and accessibility.
Integrated Banking Solutions
Built-in accounts, treasury tools, and seamless cash flow management directly within the platform for operational efficiency.
Dynamic Growth Capital
Access to lending and advances, powered by real-time sales data, enabling merchants to reinvest and accelerate expansion.
Enhanced Loyalty Programs
Embedded cashback, customizable points systems, and gamified incentives to foster customer retention and drive repeat purchases.
Social Impact Engine
Seamless integration allowing merchants to donate a portion of their rewards or sales to causes they champion.
Takeaway: Lumino isn’t just a processor — it’s a growth partner aligned with Shopify’s mission to empower entrepreneurs.