Luqra Now API

Luqra Now is a payment processing platform built on US payment rails. ACH is fully supported today, with RTP and FedNow in active development. The API enables you to create contacts, initiate payments, and track transactions through a simple REST interface.

Base URL

All API requests are made to your environment's base URL:

Environment	Base URL
Sandbox	`https://staging.api.now.luqra.com/v1`
Production	`https://api.now.luqra.com/v1`

Authentication

Every request requires a Bearer token in the Authorization header. API keys are provisioned by your Luqra account contact and are prefixed by environment:

Environment	Key prefix
Sandbox	`luqra-now.org.test`
Production	`luqra-now.org.live`

curl https://staging.api.now.luqra.com/v1/originators/ \
  -H "Authorization: Bearer luqra-now.org.test.YOUR_API_KEY"

See Authentication for details.

Response format

All successful responses follow a consistent envelope:

{
  "data": { ... },
  "meta": {
    "timestamp": "2026-02-26T12:00:00.000Z"
  }
}

List endpoints return data as an array:

{
  "data": [ ... ],
  "meta": {
    "timestamp": "2026-02-26T12:00:00.000Z"
  }
}

Forward compatibility

Luqra may add new fields to response objects without notice. Your client must:

Ignore fields it does not recognize.
Not fail validation or error when an unrecognized field appears in a response.

This lets us deliver improvements within the current API version without coordinating a release with every customer.

Quick start

To send your first payment you will:

Verify your API key by listing originators
Create a contact with bank account details
Submit a payment

See Making Your First Payment for a step-by-step walkthrough with working examples.

Authentication