Luma's US PayCard® debit card focuses on reducing administrative costs associated with payroll and employee retention at restaurants, hotels, contractors, retailers, manufacturers, state and local governments, and other enterprises that have many hourly workers.

Business owners and Governments have high costs associated with payroll distribution and difficulty retaining low-wage workers. Meanwhile, their employees often do not have bank accounts - they live in cash-based society - yet they have the same need to make purchases, pay bills and transfer money that the general population has.

Luma is dedicated to lowering costs and aiding employee retention for employers
while providing workers with a set of financial benefits they have never had before -
at NO COST to employers!