Get paid faster. Stop chasing money.

The processor (Stripe, Square, GoCardless) charges its standard fee on each transaction and that comes out of your account, in your name. We don't mark it up and we don't take a cut of your takings. Those fees are listed transparently, and our build, support, and iteration sit under one flat LUNA monthly fee. Where it makes sense for your business, we can configure a compliant card surcharge so the customer covers the cost of card acceptance.

Yes, surcharging a card payment is legal in Australia, with one hard rule: the surcharge can't be more than what it actually costs you to accept that card. You can't use it as a profit line. The ACCC enforces this and it's set by the RBA's surcharging rules. We configure any surcharge to reflect only your real cost of acceptance, so you stay on the right side of it. Plenty of businesses choose to absorb the fee instead — we'll talk you through both on the discovery call.

Yes — those are the two we set up most. Payments reconcile automatically against the matching invoice in Xero or MYOB, so your books stay current without anyone doing manual matching at month-end. If you're on something else (QuickBooks, Reckon), we'll check the integration on the discovery call before we promise anything.

Failed and declined card payments retry automatically on a sensible schedule (this is called dunning), and the customer gets a gentle, branded prompt to update their card details. The point is that a temporary decline — an expired card, insufficient funds for a day — doesn't quietly turn into a write-off you never chased. You see every failed and recovered payment in the monthly report.

No, and neither do you. Card details are tokenised by the PCI-compliant processor (Stripe or Square) — they hold the actual card data in their secure vault and hand your system a token that stands in for it. LUNA never touches a raw card number, and neither does your business. That keeps the PCI compliance burden where it belongs, with the processor, instead of on you.

Yes. A deposit is charged by card at the point of booking to lock in the work, and the balance is invoiced (or charged) automatically when the job's done or the appointment's complete. For service businesses this is one of the biggest single wins — it cuts no-shows and means you're never starting a job you haven't been part-paid for.

You take everything with you. Every account — Stripe, Square, Xero, MYOB, GoCardless, your CRM — is already in your name, so there's nothing to hand back. We give you documentation of what's been built and what each flow does. The payments keep flowing whether your next person is another agency or someone in-house.

Depends on scope. Automating just invoice-and-chase is a much smaller build than the full cycle of deposits, direct debit, dunning, and reconciliation. We quote after the discovery call so the number matches the work. There's no public price list because no two payment setups are the same, and processor fees are always passed through at cost on top.