Pay for what you send. Nothing else.
No monthly plans. No seat fees. No USD credit packs you have to guess the value of. Fund your wallet in Naira, and Luma shows you the exact cost before every send.
How the wallet works
Bank transfer to a dedicated account, card payment, or USSD.
Every campaign previews total cost, cost per recipient, and message-part count.
Billed per message part for SMS, per conversation for WhatsApp, per send for email.
Messages that never leave the platform are refunded automatically within 24 hours.
What actually affects cost
Full transparency, shown in the composer before you ever send.
SMS bills per message part, WhatsApp per conversation, email per send.
SMS over 160 characters splits into more parts — the composer shows this live.
Cost scales with who you're sending to, shown as a total before you send.
Optional. Adds ₦1 per message containing a tracked link, disclosed up front.
No credit packs. No USD. No guessing.
Global tools sell SMS in USD credit packs that don't map cleanly to Naira, and gate WhatsApp and AI features into expensive tiers. Luma prices in Naira from the first message, and every feature — including the AI Message Studio — works on every account from day one.
Pricing questions
Fund your wallet. Send your first campaign.
Free to sign up. Pay only for what you send.