Naira in, Naira out: how Luma's wallet pricing works

Most messaging platforms that serve Nigerian businesses still price in USD credit packs — a strange fit for a business that earns, budgets, and spends in Naira. Luma's wallet exists to remove that translation layer entirely: you fund in Naira, you spend in Naira, and you see the exact cost of a campaign before you press send.

What actually determines a campaign's cost

Two variables set the price of any send: the number of recipients, and the number of message parts a single message occupies. A 160-character SMS is one part; go over that limit and it splits into two parts at the standard SMS segmentation rules, doubling the cost for that message alone. That's why Luma shows a live cost estimate — recipients × parts — before you confirm a send, not after.

How to fund the wallet

Right now there's exactly one way in: bank transfer to a dedicated virtual account number generated for your business. Fund it the way you would any other account — transfer in, and the balance reflects instantly, ready to spend on your next campaign.

What happens when a number is invalid

Luma checks every recipient number before a campaign goes out. A number that fails validation — the wrong length, an invalid prefix, a clearly malformed entry — is flagged and excluded from the send, so you're never billed to reach it. We don't currently offer refunds beyond that: once a message has actually gone out, its cost stands.

Why this pricing model exists

Monthly seat fees and USD credit packs make sense for platforms built around a US or European customer base with predictable, dollar-denominated budgets. Nigerian SMEs generally don't have that — campaign volume is seasonal, budgets are set in Naira, and a forced monthly commitment is a real barrier for a business sending three campaigns one month and none the next. Pay for what you send, and see the cost before you commit to it — that's the entire model.

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