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Payment Policy

Last updated: 22.10.2026

This Payment Policy explains how you pay for Lumen, operated by Bruo Systems Limited, 2c Grangegorman Lower, Smithfield, Dublin, Ireland (Reg. 765033). It should be read together with our Terms of Service, Refund Policy and Cancellation Policy.

Prepaid credits

Lumen is pay-as-you-go. You buy credits in advance and each image you render uses credits. There is no subscription and no recurring charge: you are charged only when you confirm a purchase.

The number of credits a render uses depends on the render tier you choose. It is shown on the Generate page before you start the render, and your balance is shown in your account at all times.

Credit packs and custom top-ups

You can buy one of three packs:

  • Starter: 200 credits for €19
  • Studio: 1,200 credits for €89
  • Atelier: 6,000 credits for €399

Or you can type your own amount as a custom top-up. A custom top-up buys credits at the rate of the largest pack its amount reaches, or at the Starter pack's rate if it is below the Starter price, so typing a pack's price buys exactly that pack. The number of credits your amount buys is shown before you pay.

Purchase limits

A single purchase can be any amount from €1 to €20,000, or its equivalent in the currency you pick at the day's rate (from an exchange-rate data provider, refreshed every 24 hours; US dollars included), with the maximum rounded down to a round figure and never above €20,000; in JPY a custom amount is a whole number of yen. Every accepted amount buys at least one credit. The page shows the range in the currency you have selected, and amounts outside it are refused before checkout.

Currency

You pay in the currency you choose: USD, EUR, GBP, KZT, AZN, JPY, TRY, SAR, MAD, QAR, BHD or LKR. Our list prices are set in euros. In any other currency, prices are converted at the exchange rate table the Service uses for both the price you see and the amount you are charged, and pack prices are rounded to a whole unit (to 0.1 in BHD). The amount shown at checkout is exactly the amount charged. If your card is in a different currency, your bank may apply its own conversion rate and fees, which we do not control.

How you pay

We accept Visa and Mastercard. Payments are processed by our payment provider, and your bank may ask you to confirm the payment with 3D Secure. Your card details pass through our server only to be sent, encrypted, to the payment provider; we never store your card number or security code. By paying you confirm that you are authorised to use the card.

We do not accept payments with a billing country in Russia, Belarus, Iran, North Korea, Syria or Cuba.

When credits are added

Credits are added to your balance as soon as your payment is confirmed. If the confirmation takes a moment, the checkout keeps checking and your balance updates when it arrives.

Invoices

Every completed purchase creates an invoice, with its own number, that you can open and download from the Invoices page in your account. It shows the amount and currency you paid.

Failed and declined payments

If a payment fails, is declined or is not confirmed:

  • no credits are added to your balance
  • you are not charged for that attempt
  • any temporary hold your bank placed is released under its normal process
  • you can try again at any time, with the same card or another one

Hiring a specialist

When you hire a specialist, the price in credits is taken from your credit balance at the moment you hire and held for that hire; nothing is charged to your card. The held credits are released to the specialist when you accept the delivery, or when it is accepted automatically 7 days after delivery. The full price is returned to your credit balance if you cancel before the specialist accepts, if the specialist declines or withdraws, or if nobody accepts the hire within 72 hours. If you open a dispute, the Lumen team decides within 5 business days and returns anywhere from none to all of the price to your credit balance as credits. The Terms of Service (/legal/terms) explain how hires work.

Fraud prevention

We may decline or review a payment, or limit access to an account, where we reasonably suspect fraud, unauthorised use of a card or abuse of the Service.

Refunds

Refunds, including your 14-day right of withdrawal, are covered by the Refund Policy. Approved refunds go back to the card used for the purchase.

Contact

Email studio@lumen.deals for billing or payment questions.