Payment processor
US merchant processor based in Newport Beach, California, serving online and in-person businesses registered in the US. It publishes starting rates and lists Shopify, WooCommerce and CheckoutChamp integrations.
Strengths
Watch out for
Best for
US-registered ecommerce merchants who want a direct merchant account that works behind Shopify checkout or CheckoutChamp.
| Type | Payment processor |
|---|---|
| Pricing model | custom quote from published starting rates |
| Card rate | From 2.3% + 20¢ (online and keyed) |
| International | Not published |
| Monthly fee | Not published |
| Setup fee | Not published |
| Chargeback fee | Not published |
| High-risk businesses | Not published |
|---|---|
| Dropshipping | Not published |
| Reserves | Luqra keeps discretionary authority to apply reserves, impose volume limits or delay funding. |
| Payout speed | Next day for qualified merchants |
|---|---|
| Merchant countries | US-registered businesses with an EIN; owners outside the US need a US-based signer or guarantor |
| Currencies | Not published |
| Shopify | Third-party gateway |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Yes |
| Multiple MIDs | Not published |
| Token portability | Not published |
In-person from 2.0% + 10¢. Luqra advertises no annual fees, no batching fees, 'meet or beat' pricing and rates it says will never increase. No full rate schedule published.
Its 'no account holds' claim is conditioned on a qualified, compliant merchant. The acceptable use policy reviewed does not list restricted merchant categories.
Next-day funding is conditioned on merchant conduct, per the site footnote.
Luqra says it integrates with Shopify and that the Shopify checkout and dashboard stay the same. Integrations page also lists Authorize.net, NMI, BigCommerce, Magento, CheckoutChamp, GoHighLevel, SamCart, Chargebee, Recurly and Chargify (Maxio).