This site helps a business start a product conversation. It does not decide credit eligibility or give a final cost.
The reviewed LUCA Pay home page says that a business can pay over three months. The published customer terms say four installments over four months. The customer terms also describe a 4.5% purchase fee and late fees. The separate customer terms and fee page can describe different charges.
LUCA product team feedback on 26 October 2026 says LUCA Plus no longer offers invoice automation or subscription pricing. Older pricing, signup, and invoice pages still show retired claims. Do not use those pages to recommend invoice tools or quote monthly plans. Supplier invoice upload in the LUCA Pay flow remains separate.
The site uses the customer terms for the payment schedule. It tells the person to check the current payment schedule before they act. LUCA must confirm the exact fee, timing, registration route, and approval rules before a public release.
The readiness guide checks only a few published facts. For a bill payment, it checks the ABN and GST answers against the terms. It never calls a match an approval.
The guide sends people to the official LUCA sign up and contact pages. It does not connect to Xero, open banking, Stripe, or HubSpot. LUCA controls those product and sales flows.