Luno, the cryptocurrency and investment platform, has adopted payment orchestration technology from MoneyHash — a software layer that manages the connections between a business and its payment providers and directs how transactions move through them — to streamline payment processing across its markets, lighten its engineering workload and improve deposit success rates.

The setup lets Luno administer all of its payment providers through one centralized system, roll out local payment methods with less development effort and route transactions according to how each provider is performing. According to the companies' joint announcement, MoneyHash's transaction-routing capabilities have helped Luno recover one in four deposits that might otherwise have failed — a result the firms present as evidence of what payment orchestration can offer platforms operating across multiple markets.

Managing More Than 25 Payment Connections

Luno's international growth required it to adapt to the payment habits and banking infrastructure of every market it entered. The platform ended up connected to more than 25 payment providers and local banking partners, each with its own technical requirements, processes and reporting systems.

Keeping those integrations running became an increasingly heavy operational load. Every new market or payment option brought fresh engineering work to establish, maintain and monitor, and over time these tasks consumed resources that could otherwise have supported product development and improvements to the customer experience.

Cornel Smit, Luno's head of payments, said outsourcing payment integration management to MoneyHash cut the time internal teams spent maintaining payment connections. That shift freed engineering capacity for revenue-generating initiatives and product development aimed at customers.

More broadly, the integration speaks to a challenge confronting digital financial platforms everywhere: how to widen payment access without letting the complexity of supporting multiple providers grow as fast as the business itself.

How MoneyHash Improves Payment Routing

MoneyHash provides a unified environment for managing payment providers, transaction routing and day-to-day payment operations. Rather than building and maintaining a separate connection for every provider, businesses can run their payment infrastructure through a single orchestration layer.

In Luno's case, the system evaluates available payment routes according to provider performance and, where appropriate, retries transactions through alternative connections — giving the platform extra opportunities to complete deposits that might otherwise remain unsuccessful. The combination of consolidated provider management and dynamic routing gives Luno a way to lift deposit completion while reducing the engineering effort needed to support different payment methods.

The system also consolidates payment performance data across Luno's provider network into a single view. That visibility helps payment teams assess transaction outcomes, identify underperforming connections and make better-informed decisions about routing and provider management.

Nader Abdelrazik, MoneyHash's co-founder and chief executive, described the company's objective as reducing the operational complexity involved in managing multiple payment providers. The approach is designed to help businesses improve payment performance, accelerate implementation and let internal teams concentrate on customer-focused development.

Faster Expansion Across Local Markets

Alongside deposit recovery, the companies pointed to lighter engineering maintenance and shorter launch times for local payment methods as further gains — though the announcement did not disclose specific figures measuring improvements in either area. With those areas left unquantified, the deposit-recovery rate stands as the clearest numerical measure of the integration's impact that the companies have made public.

Luno serves millions of customers across multiple markets, so access to locally relevant payment options is central to how the platform operates. Banking arrangements and payment preferences differ from country to country, requiring platforms to adapt their funding infrastructure to local conditions.

With MoneyHash managing connections through a shared system, Luno can potentially introduce new payment options without undertaking an entirely separate integration project for each provider — a more flexible operating model as the platform expands or adjusts its services across jurisdictions.

Payment Orchestration Gains Importance in Africa

The deployment also underscores why payment orchestration matters in regions where financial infrastructure and customer payment habits vary considerably. Across Africa, internationally active businesses often need to connect with multiple local providers to deliver accessible, reliable payment services.

For cryptocurrency platforms, successful deposits are especially important because customers must fund their accounts before they can take part in trading or use other financial services. A failed deposit can stall customers at that first step, which is why recovering payments that would otherwise be lost has commercial significance for platforms like Luno.

Luno's reported recovery of 25% of potentially lost deposits demonstrates how transaction routing and centralized payment management can reduce payment failures while supporting expansion across diverse markets. Longer-term results will depend on transaction volumes, provider performance and the effectiveness of alternative routing.

Even so, the integration illustrates how payment infrastructure can become a strategic component of customer acquisition, retention and international growth for digital financial platforms.

Source: CoinTrust