Free 90-day pilot. Then $1,500/month. No multi-year commitments. No custom-quote enterprise mystery.
Guaranteed ROI or your pilot fee back. No multi-year commitment.
Pricing tiers
Pilot
Free90-day pilot
Proof-or-extend in 90 days. We trade the pilot for a CFO reference call and case-study rights.
Full ingestion across cards, SaaS, AP
Shadow Radar across all rails
Up to 5 active policies
CFO Brief end-of-pilot deliverable
No-strings extension if value isn't clear
Most teams pick this
Scale
$1,500per month
For finance teams at 100–500 employees who want governance live every day.
Unlimited active policies
Protection Graph + dynamic limits
CSIG (Causal Spend Impact Graph)
CFO workspace with chat-first analysis
Email support, SLA-backed
Enterprise
$5,000per month
For 500+ employees and multi-entity finance organizations.
Multi-entity, multi-currency
SSO + SCIM provisioning
Opt-in shared fraud graph
Audit export (SOX/SOC 2 ready)
Priority support + white-glove onboarding
What does this cost vs. what does it save?
Estimate your savings
Most teams catch 1–3% of leakage in the first 90 days. Drag the slider to your annual T&E + SaaS spend.
$100,000$50,000,000
Estimated annual savings range
$25,000 – $75,000
Pilot fee: $0 · Net first-year value: $25,000 – $75,000
Frequently asked questions
How long does implementation take?
Most pilots are live in under a week. We connect to your existing card stack, accounting system, and SaaS feeds. No card re-issuing required.
What data does Lumora need access to?
Read-only feeds from your card issuer, accounting system (e.g., QuickBooks, NetSuite, Xero), HRIS (e.g., Rippling, Gusto, Workday), and any SaaS admin consoles you choose to connect. We never need write access during the pilot.
Do I have to migrate cards?
No. Lumora is explicitly designed not to require card migration. We layer on top of your existing card relationship. Amex, Chase, Bill, Mercury, Brex, Ramp, anything.
What happens at the end of the free pilot?
You get a CFO Brief documenting actual leakage caught, policies enforced, and projected ROI. From there: convert to Scale or Enterprise, or walk away with the report and our thanks.
How does Lumora's AI compare to my finance team's manual review?
Manual review catches what your team has time to look at. Lumora reviews 100% of transactions in real time and flags only the ones that matter. The Shadow Radar finds duplicate vendors, unused seats, and ungoverned AI spend that humans rarely notice.
Is my data shared with other tenants?
Never by default. The opt-in shared fraud graph uses k-anonymized vendor aggregates only. Never raw transactions. Never tenant identifiers. You can run Lumora indefinitely with the shared graph turned off.
Do you support multi-entity?
Yes, on the Enterprise tier. Multiple legal entities, multiple base currencies, consolidated CFO views, per-entity policies.
Can I cancel any time?
Yes. No multi-year commitments. Month-to-month on Scale and Enterprise after the free pilot.
