# Scale Your Business with Reliable Online Payments

Luqra is the first payment processor built specifically for e-commerce, so businesses can operate without worrying about account freezes or held funds[*](#footer-discloser-link).

[Apply Now](/apply-now/)

[Talk to an expert](/contact/)

![Online Payment Processing Screen CHeckout](https://www.luqra.com/wp-content/uploads/2024/10/Checkout_modal2-1-1.png)

![payment processing card](https://www.luqra.com/wp-content/uploads/2024/10/Credit_card_2_shadow-1536x1118-1.png)

![payment processing percent icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-discounts-1401258-203BB1.svg)

#### "Meet or Beat" Rates

Maximize profits with the most competitive processing rates - guaranteed to never increase.

![payment processing finance icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-finance-1401220-203BB1.svg)

#### Turbocharged Deposits

Fast deposits to maximize your cashflow and keep your operations running smoothly.

![scale business payment processing icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-growth-1401338-203BB1.svg)

#### Scale Freely

 We encourage you to scale - without worrying about held funds or account freezes[*](#footer-discloser-link).

![payment processing support icon](https://www.luqra.com/wp-content/uploads/2024/02/noun-customer-support-1179439-203BB1.svg)

#### 24/7/365 Support

Dedicated in-house, US-based phone support available 24/7 all year round to assist you.

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## THE CHALLENGE

### The Problem With Other Processors and Payment Facilitators

While basic payment processors offer nearly instant approvals and simple setups, this one size fits all solution comes with major downsides as your business continues to grow.

[Avoid these problems & get started with Luqra](/apply-now/)

## THE SOLUTION

### Luqra Solves This as a True Full-Service Payment Processor

![payment processing briefcase icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-briefcase-1401321-203BB1.svg)

#### Personalized Business Understanding

##### Only with Luqra

We prioritize personal interactions over automated processes. Our experience gives us the unique ability to support and strengthen your online business.

[Get Started](https://www.luqra.com/apply-now/)

![payment processing scale up icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-dollar-1401331-203BB1.svg)

#### Scaling Made Easy And Seamless

##### Only with Luqra

Our approach is to embrace and facilitate your business growth, helping you scale ambitiously without the worry of hitting account limits or daily caps.

[Get Started](https://www.luqra.com/apply-now/)

![balanced books payment processing icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-transfer-6092042-203BB1.svg)

#### No Worrying About Fund Holds Or Account Freezes[*](#footer-discloser-link)

##### Only with Luqra

We understand how volatile ecommerce can be - sudden spikes in volume are not a flag for us. We won't hold funds or freeze your account[*](#footer-discloser-link) because of rapid scale.

[Get Started](https://www.luqra.com/apply-now/)

![payment processing award icon](https://www.luqra.com/wp-content/uploads/2024/01/noun-award-1401357-203BB1.svg)

#### Access To Ecommerce Experts

##### Only with Luqra

Working with Luqra provides a unique opportunity to work directly with 6 and 7 figure ecommerce owners who are ready to help take your business to the next level.

[Get Started](https://www.luqra.com/apply-now/)

## FAQs

### Your Most Frequent Questions Answered

 Do I need a business bank account to apply?

If you apply as a LLC or Corporation, yes you will need a business bank account that is under your LLC or Corporation.

However, if you elect to apply as a Sole Proprietor, you can use your personal bank account.

 Do you integrate with Shopify?

**Yes we integrate with Shopify.** Your checkout screen and Shopify dashboard will work exactly the same as it does currently.

 How long does it take for an account to be approved?

Just as every business is different, every approval process is different. On average, it can take 1-2 business weeks to go through the application process. Our Relationship Managers have been trained to help businesses of all shapes and sizes, and will work with you to guide you through the process as quickly as possible.

 What if I live outside the United States?

**To apply with Luqra, your business will need to be legally registered in the United States, with an EIN.** If you live outside the US, you will need a member within your organization to act as the signer/guarantor that currently lives in the United States. Please talk to one of our Relationship Managers for more details.

 How do I get started with Luqra?

You can apply to Luqra using our website. The application form takes about 5 minutes to fill out. Expect to enter some basic information about your business, address and contact information.

When you submit your application, you will be assigned a dedicated Relationship Manager who will follow up with you on your application, and help get you approved and onboarded.

Once your business is onboarded and your Luqra account is created, you can begin taking payments!

[If you’re ready to apply – you can get started here.](/apply-now/)

 Don’t see your question? [We’re happy to answer.](/contact/)

## Maximize Your Profits With Online Payments Experts

### Partner with a processor who understands the industry. We have 20 years of experience in ecommerce and are happy to share what we’ve learned to help grow your business.

[Let's Scale](/apply-now/)

[Talk To A Human](/contact/)