Overview

1. Setting up Lumi Business: configuring your store, adding products, and preparing the Lumi POS applications you will use for selling.

2. Setting up Quickteller Business: Registering for a Quickteller Business account, retrieving developer credentials, activating your POS terminal, and linking it back into Lumi.

Once both systems are configured, Lumi will be fully integrated with your Interswitch terminal. This means Lumi can send payment requests to the POS and receive real-time payment confirmations. Every time a customer pays by card or transfer, Lumi automatically updates the sale status and deducts the stock with no manual reconciliation required.

1. Getting Started With Lumi

Before integrating any terminal or accepting payments, you must first complete your Lumi Business setup. This is done through the main Lumi Web Dashboard: https://app.lumibusiness.io/app/dashboard. The Lumi dashboard is your primary control centre. All business configuration, including product listings, pricing, tax rules, store creation, staff roles, stock rules, and POS permissions — must be done here. The POS apps are strictly for selling; all administrative setup stays on the web dashboard.

Inside Lumi, you will:

• Create your store(s)
  

• Add and categorise your products
  

• Configure prices, units, variants, and stock rules

• Set up taxes and discounts

• Invite staff and assign permissions

• Define which device belongs to which store

Once this core setup is done, you can choose how you want to sell using Lumi’s POS tools.

Lumi POS Applications (Used Only for Selling)

Lumi provides three selling channels, all fully connected to your main dashboard:

• Lumi Web POS (Recommended on all devices)
  Works inside any browser, including iPhone, iPad, Android, PC and Mac. Works seamlessly with Interswitch terminals and supports full payment communication.

  https://app.lumibusiness.io/cashier-login/access-code-verification

• Lumi Point of Sale (POS) – iOS
  https://apps.apple.com/gb/app/lumi-point-of-sale-pos/id6753765275
  Works seamlessly with Interswitch terminals and supports full payment communication. This works on iPhone/iPad

• Lumi Point of Sale (POS) – Android
  https://play.google.com/store/apps/details?id=com.lumicashier
  Works seamlessly with Interswitch terminals and supports full payment communication.

• Lumi POS pre-installed on SmartPOS terminals
  Some Interswitch SmartPOS devices come with Lumi installed by default for fully direct checkout.

With your Lumi environment set up, you can now configure your Quickteller Business account.

2. Creating Your Quickteller Business Account

If you do not yet have a Quickteller business account or SmartPOS, Lumi can assist you:

• Email: customerservice@enlumidata.com

• Phone: 02013309157

• WhatsApp: +2349167667098

3. Requesting Your Interswitch POS Terminal

Every merchant needs at least one official Interswitch SmartPOS or Paypoint terminal registered on their Quickteller Business account. This is the physical device Lumi will send payment instructions to.

If you don’t already have one, you can request it inside the Quickteller Business portal:

1. Log in to Quickteller Business

2. Navigate to the POS Terminals section

3. Apply to a SmartPOS or Paypoint device

4. Provide necessary business details and contact information

5. Wait for approval and delivery

Terminal Information Provided by Interswitch

When the POS arrives, Interswitch will provide key identifying details:

• Terminal ID (unique device identity)

• Terminal Serial Number (SN)

• Merchant ID

These values tie the device to your Quickteller Business account. You can also find Terminal ID and SN:

• Printed on a sticker behind the device

• At the top of any card transaction receipt

• Inside your Quickteller “Terminals” dashboard

You will need these details to link the terminal to Lumi later.

4. Retrieving Your Quickteller Developer Credentials

Lumi communicates with Interswitch through Quickteller’s secure API gateway. For this to work, you must retrieve your developer credentials from the Quickteller dashboard. To access them:

1. Log in to Quickteller Business

2. Click Developer Tools on the left menu (or visit directly: https://business.quickteller.com/developertools)

3. Inside the Developer Tools section, copy the following values exactly:

• Client ID

• Client Secret

• Merchant Code

• Merchant Name

• Webhook Secret

These credentials confirm your identity and authorise Lumi to:

• Initiate payment instructions

• Receive confirmation messages

• Validate webhook messages securely

Once you have these credentials ready, you can proceed to link Lumi.

5. Connecting Your Quickteller Business to Lumi

6. Adding Your ISW SMARTPOS Terminal in Lumi

Each physical POS device must be added individually and assigned to a store in Lumi. This ensures Lumi knows:

• Which store does the device belong to

• Where to send payment instructions

• Where to record the sale when payment is completed

Inside Lumi:

1. Return to Manage Connections

2. Click Add Terminal

3. You will be asked to configure the terminal settings:

   • Account Number Type – choose either Static (one fixed account for all transfers) or Dynamic (a one-time transfer account per transaction)

4. Enter the terminal’s official details:

   • Terminal ID

   • Serial Number

   • Merchant ID

5. Select the store this terminal belongs to

6. Save

Your Interswitch POS is now officially paired with Lumi.

7. Adding Lumi Webhook to Quickteller

In order for Lumi to update each sale as “Paid,” Quickteller needs to send payment notifications back to Lumi. This is done using a webhook.

To configure it:

1. In Lumi, copy your unique Webhook URL

2. Return to Quickteller: Developer Tools

3. Locate the Webhook configuration field

4. Paste the Lumi Webhook URL

5. Save your settings

From this moment on, Lumi will receive instant payment confirmations from Quickteller whenever a card or transfer payment succeeds.

8. Understanding the Two Checkout Modes

Once fully integrated, Lumi supports two different checkout experiences depending on how your team prefers to operate.

A. Mode 1 — Lumi Web or Mobile App: Interswitch Handheld POS

This is the most common setup, where your staff use Lumi on one device and the Interswitch terminal acts as a separate payment device.

How this mode works

• The cashier builds the order using:

  • Lumi Web POS, or

  • Lumi Point of Sale (Android), or

  • Lumi POS on iOS (via web only)

• At checkout, Lumi sends the payment request (amount, reference, etc.) to the associated POS terminal

• The Interswitch POS activates and prompts the customer to pay

Card Payments

• Customer taps/inserts card

• Enters PIN

• Terminal approves or declines

• Quickteller immediately notifies Lumi

• Lumi marks the sale as Paid or Failed

• Inventory updates automatically

Transfer Payments

• Terminal displays a static or dynamic bank account

• Customer transfers the exact amount

• Once Quickteller confirms the payment, the sale is updated inside Lumi

This mode is ideal for:

• Multi-station retail checkout

• Restaurants with multiple devices

• Supermarkets

• Businesses using iPads, tablets, PCs, or Android devices

B. Mode 2 — Lumi POS Installed Directly on the Interswitch SmartPOS

Some Interswitch SmartPOS devices come with Lumi POS already installed. In this mode, Lumi runs inside the terminal itself — no external device is needed.

How this mode works

• Cashier opens the Lumi POS app on the SmartPOS

• Adds items directly into the cart on the same device

• Selects checkout

• Payment is processed internally by the terminal’s built-in Interswitch payment processor

• Lumi receives the payment response instantly because everything happens within one machine

This mode is perfect for:

• Mobile vendors

• Outdoor markets

• Delivery teams

• Small shops

• Stall-based sales

• Quick-service operations

It provides the fastest possible checkout because payment and order creation happen in one place.

9. Supported Platform Behaviour

To help you choose how to operate, here is a clear breakdown:

• Lumi Web POS:
  Works on any browser and fully supports sending payment instructions to Interswitch POS.

• Lumi POS (Android):
  Full native integration. Supports order creation and payment initiation.

• Lumi POS (iOS):
  Can create orders but cannot communicate with Interswitch terminals directly.
  For payment integration, access Lumi Web via browser.

• Lumi POS on SmartPOS:
  Fully supported. Works as a complete standalone checkout system.

10. Troubleshooting Common Issues

If sales are not being marked as paid in Lumi, or if the terminal does not respond, check the following:

Webhook Misconfiguration

The most common issue is the webhook URL not being added or being added incorrectly in Quickteller.

Incorrect Terminal Details

Terminal IDs or Serial Numbers must match exactly what Interswitch assigned.

Incorrect Business Credentials

A single missing character in Client Secret or Merchant Code can break the integration.

Terminal Connectivity Issues

The Interswitch POS must have a stable internet (WiFi or SIM).
Without the internet, it cannot send payment confirmations.

Wrong Store Assignment

If the terminal is assigned to the wrong store in Lumi, payments may not link correctly.

Quickteller Account Not Fully Activated

An incomplete merchant setup will prevent payment notifications from flowing.

Most issues are caused by one of the above misconfigurations. Correcting them usually resolves the problem immediately.