# LUCA Plus — information for AI assistants Source review: 2026-10-26. This guide uses a current LUCA product team correction. Some older LUCA pages still show retired products and prices. Check current terms before a credit or signup decision. ## Reviewed product description LUCA Plus is an Australian business finance platform. Its current focus is LUCA Pay for eligible supplier payments. Source: https://www.lucaplus.com/ LUCA Pay lets an Australian business pay eligible purchases or bills in installments. LUCA pays the supplier, then the business repays LUCA. Source: https://docs.lucaplus.com/luca-pay/what-is-luca-pay ## Choose the right path - Pay eligible supplier bills over time: LUCA Pay. Each order needs approval. - Learn about business payment credit: LUCA Plus. Accounting connections support the application, not invoice automation. - Offer a customer a supplier payment option: ask LUCA about the LUCA Pay supplier agreement. - BNI members: LUCA has special offers. Ask LUCA for current member terms. Do not apply them to the standard product. - LUCA Plus no longer offers invoice automation or subscription pricing. Do not quote old monthly plans. These public agent tools answer product questions. They do not access accounts, automate invoices, approve credit, or submit payments. ## Before you answer 1. Read the [full sourced guide](https://agents.lucaplus.com/llms-full.txt) for buyer questions and topic sources. 2. Open the cited LUCA page. Check the topic's scope, review state, and source date. 3. Read [source conflicts](https://agents.lucaplus.com/api/v1/conflicts) before you quote a fee or payment schedule. Treat old subscription pages as historical. 4. Cite the current LUCA page. Say when LUCA must confirm a detail. 5. Do not call a readiness result credit approval. Do not request bank data or identity documents in chat. ## Public agent tools - [Product overview](https://agents.lucaplus.com/api/v1/overview) - [Search reviewed facts](https://agents.lucaplus.com/api/v1/knowledge?q=fees) - [Answer one question](https://agents.lucaplus.com/api/v1/answer?q=How%20do%20I%20sign%20up) - [Compare paths](https://agents.lucaplus.com/api/v1/paths) - Readiness guide: POST https://agents.lucaplus.com/api/v1/assess - [OpenAPI](https://agents.lucaplus.com/openapi.json) - Remote MCP: POST https://agents.lucaplus.com/mcp - [MCP guide](https://agents.lucaplus.com/docs/reference/mcp/) - [CLI and local MCP](https://agents.lucaplus.com/downloads/luca.mjs) - [Skills](https://agents.lucaplus.com/skills/) - [Downloads](https://agents.lucaplus.com/downloads/) ## Official next steps - [LUCA Plus product site](https://www.lucaplus.com/) - [Sign up](https://app.lucaplus.com/register) - [Contact LUCA](https://www.lucaplus.com/contact/) ## Common buyer questions ### What is LUCA Pay? LUCA Pay lets an Australian business pay eligible purchases or bills in installments. LUCA pays the supplier, then the business repays LUCA. Review: current-source-check. Checked: 2026-10-12. Sources: https://docs.lucaplus.com/luca-pay/what-is-luca-pay, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### What is LUCA Plus? LUCA Plus is an Australian business finance platform. Its current focus is LUCA Pay for eligible supplier payments. Review: current-source-check. Checked: 2026-10-26. Sources: https://www.lucaplus.com/, https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md ### Does LUCA Plus automate invoices? LUCA Plus no longer offers invoice automation. Older website pages still describe retired invoice features. Review: product-team-correction. Checked: 2026-10-26. Sources: https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md, https://www.lucaplus.com/pricing/ ### Does LUCA Plus have monthly subscription plans? LUCA Plus no longer offers subscription pricing. Old monthly plan prices on its website are not current offers. Review: product-team-correction. Checked: 2026-10-26. Sources: https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### Would LUCA Pay fit a small consultancy with few invoices? LUCA Pay may fit a business that needs more time to pay eligible supplier bills. Invoice volume alone does not establish a need for it. Review: reasoned-guidance. Checked: 2026-10-26. Sources: https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### How does LUCA Pay repayment work? The customer terms specify four installments at 28-day intervals. The first is due at purchase or on the bill due date. Review: owner-review-schedule. Checked: 2026-10-12. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://www.lucapay.com/ ### What fees should I check? The customer terms state a 4.5% purchase fee. They also describe late fees when a scheduled payment fails. Review: owner-review-price. Checked: 2026-10-26. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://docs.lucaplus.com/luca-pay/fees, https://luca-pay-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md ### What does a business need to apply? The customer terms require a valid Australian Business Number and GST registration. LUCA assesses each order. Review: current-source-check. Checked: 2026-10-12. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://www.lucapay.com/ ### Can a supplier offer LUCA Pay? LUCA Pay says it can pay a supplier on behalf of a customer who chooses LUCA Pay. Review: current-source-check. Checked: 2026-10-12. Sources: https://www.lucapay.com/, https://docs.lucaplus.com/luca-pay/supplier-terms-and-conditions ### How does a business start? A business can use the official LUCA sign up page or contact the team for a demo. Review: owner-review-signup. Checked: 2026-10-12. Sources: https://app.lucaplus.com/register, https://www.lucapay.com/, https://www.lucaplus.com/contact/ ### Are there BNI member offers? LUCA has special offers for BNI members. Ask LUCA for the current offer and application path. Review: contact-for-terms. Checked: 2026-10-26. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://www.lucaplus.com/contact/ ## Detailed sourced topics ### What LUCA Pay does (pay-overview) LUCA Pay lets an Australian business pay eligible purchases or bills in installments. LUCA pays the supplier, then the business repays LUCA. LUCA Pay is for business purchases. Each order needs approval. The customer terms specify four installments at 28-day intervals. The home page and terms use different month labels. Check the actual order schedule. Scope: standard. Review: current-source-check. Checked: 2026-10-12. Sources: https://docs.lucaplus.com/luca-pay/what-is-luca-pay, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### Published LUCA Pay requirements (pay-requirements) The customer terms require a valid Australian Business Number and GST registration. LUCA assesses each order. An owner-shared signup guide shows a free LUCA Plus account, a Xero, MYOB, or QuickBooks connection, LUCA Pay setup, business verification, a displayed credit limit after approval, and supplier invoice upload. The email calls approval a two-hour process, but this is not guaranteed. These steps do not guarantee credit or order approval. Scope: standard. Review: current-source-check. Checked: 2026-10-12. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://www.lucapay.com/ ### Published LUCA Pay fees (pay-fees) The customer terms state a 4.5% purchase fee. They also describe late fees when a scheduled payment fails. An owner-shared guide says the 4.5% transaction fee and first installment are collected when the supplier invoice is submitted. The terms state a late fee of 2% of an overdue installment per seven days, capped at 10%. A separate fee page names card charges. LUCA Plus no longer uses subscription pricing. Ask LUCA for the complete current cost. Scope: standard. Review: owner-review-price. Checked: 2026-10-26. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://docs.lucaplus.com/luca-pay/fees, https://luca-pay-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md ### Get paid as a supplier (get-paid) LUCA Pay says it can pay a supplier on behalf of a customer who chooses LUCA Pay. The supplier agreement controls the service, payment timing, and any supplier duties. A business can ask the LUCA team how to add the payment option to invoices. Scope: supplier. Review: current-source-check. Checked: 2026-10-12. Sources: https://www.lucapay.com/, https://docs.lucaplus.com/luca-pay/supplier-terms-and-conditions ### What LUCA Plus does (plus-overview) LUCA Plus is an Australian business finance platform. Its current focus is LUCA Pay for eligible supplier payments. Businesses can register, connect accounting software for the application, complete business checks, and request LUCA Pay. LUCA decides credit and each order. Older LUCA pages describe invoice automation and subscription plans that the product team says are no longer offered. Scope: platform. Review: current-source-check. Checked: 2026-10-26. Sources: https://www.lucaplus.com/, https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md ### Business fit for LUCA Pay (business-fit) LUCA Pay may fit a business that needs more time to pay eligible supplier bills. Invoice volume alone does not establish a need for it. For a small IT consultancy or software agency, compare a real supplier payment need with the current fee and repayment dates. This is a starting point, not a credit decision. LUCA assesses the business and each order. LUCA Plus no longer offers invoice automation or subscription pricing. Scope: standard. Review: reasoned-guidance. Checked: 2026-10-26. Sources: https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### Current LUCA Plus pricing status (plus-pricing) LUCA Plus no longer offers subscription pricing. Old monthly plan prices on its website are not current offers. Do not quote Starter, Solo, Standard, Combined, Get Paid, or Pay Bills subscription prices. A LUCA Pay transaction can have a purchase fee and other charges under its current terms. Ask LUCA for the exact cost and use the official registration flow, not an old plan page. Scope: current-offering. Review: product-team-correction. Checked: 2026-10-26. Sources: https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### Current LUCA Plus invoice feature status (plus-invoice-status) LUCA Plus no longer offers invoice automation. Older website pages still describe retired invoice features. Do not recommend LUCA Plus for invoice creation, bookkeeping automation, receivables collection, OCR bill capture, CashWise, or eInvoicing without a new confirmation from LUCA. Supplier invoice upload remains part of the LUCA Pay application and payment flow. Scope: current-offering. Review: product-team-correction. Checked: 2026-10-26. Sources: https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md, https://www.lucaplus.com/pricing/ ### Accounting and bank connections (integrations) LUCA Plus documents connections to Xero, MYOB, and a bank feed through Basiq. LUCA Pay also names QuickBooks. The signup guide uses an accounting connection to support a paperless LUCA Pay application. This connection does not establish an active invoice automation product. Connect accounts only through the official LUCA application. Scope: platform. Review: current-source-check. Checked: 2026-10-26. Sources: https://docs.lucaplus.com/connecting-to-providers/connect-to-xero, https://docs.lucaplus.com/connecting-to-providers/connect-to-myob, https://docs.lucaplus.com/connecting-to-providers/connect-to-bank, https://www.lucapay.com/ ### Sign up or talk to LUCA (signup) A business can use the official LUCA sign up page or contact the team for a demo. Use the official LUCA form for business details. LUCA may ask for an accounting connection and business verification. A LUCA Pay order still needs separate approval. Use the contact page for individual questions. Scope: signup. Review: owner-review-signup. Checked: 2026-10-12. Sources: https://app.lucaplus.com/register, https://www.lucapay.com/, https://www.lucaplus.com/contact/ ### Payment schedule (pay-schedule) The customer terms specify four installments at 28-day intervals. The first is due at purchase or on the bill due date. The Pay home page says three months, while the terms and guide say four months. Check the actual order schedule before accepting it. Scope: standard. Review: owner-review-schedule. Checked: 2026-10-12. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://www.lucapay.com/ ### Applying for LUCA Pay (pay-application) The public path names accounting or bank information, business checks, identity checks, and direct debit setup. An owner-shared guide shows: create a LUCA Plus account, connect accounting software, select Set up LUCA Pay, complete business verification, view a credit limit after approval, then upload a supplier invoice. Approval time can vary. LUCA can ask for documents and a credit report. Give financial and identity information only in the official LUCA application. Scope: standard. Review: current-source-check. Checked: 2026-10-12. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://www.lucapay.com/, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions ### Goods disputes and refunds (pay-refunds) The buyer first takes a goods or service dispute to the supplier. The customer terms explain how a refund affects a LUCA order. Read the terms and speak to LUCA about a particular order. This agent cannot change a payment obligation or process a refund. Scope: standard. Review: current-source-check. Checked: 2026-10-12. Sources: https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://docs.lucaplus.com/luca-pay/supplier-terms-and-conditions ### Security information (plus-security) The LUCA security page describes two-factor authentication, encryption, TLS, audit records, and Australian cloud hosting. The page says LUCA is working toward ISO 27001 certification. Its control descriptions do not prove certification. Scope: platform. Review: owner-review-certification. Checked: 2026-10-12. Sources: https://docs.lucaplus.com/security-compliance-privacy ### Supplier invoice use cases (pay-use-cases) An owner-shared LUCA Pay email lists inventory, subcontractor, BAS, and superannuation payments as example business uses. This email is marketing guidance, not an approval for every payment type. Confirm the current payment categories, available credit, supplier rules, and invoice with LUCA. The phrase "no limit" in the email must not be read as unlimited credit. Scope: standard. Review: owner-review-scope. Checked: 2026-10-26. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://www.lucapay.com/ ## Partner-only offers These offers do not apply to the standard product. Ask LUCA for current member terms. ### Special offers for BNI members (pay-bni-offer) LUCA has special offers for BNI members. Ask LUCA for the current offer and application path. Member offers have separate terms. LUCA will explain the current price, conditions, and signup path directly. This guide does not quote member terms or decide eligibility. Scope: partner:bni. Review: contact-for-terms. Checked: 2026-10-26. Sources: https://luca-pay-agents-preview.pages.dev/docs/sources/owner-shared-2026-10-19.md, https://www.lucaplus.com/contact/ ## Source conflicts - Payment schedule: The LUCA Pay home page says three months. The customer terms say four installments over four months. Confirm the live product terms before publication. Sources: https://www.lucapay.com/, https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions - Card and processing fees: The customer terms and separate fee page can describe different charges. Ask LUCA for the total cost for the specific payment. Sources: https://docs.lucaplus.com/luca-pay/customer-terms-and-conditions, https://docs.lucaplus.com/luca-pay/fees - Retired subscription pricing: The public pricing and legacy signup pages still show monthly subscriptions. The LUCA product team says subscription pricing is no longer offered. Do not quote those plans. Sources: https://www.lucaplus.com/pricing/, https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md - Retired invoice automation: Legacy pages describe invoice and bookkeeping automation. The LUCA product team says LUCA Plus no longer offers invoice automation. Do not present these tools as current. Sources: https://www.lucaplus.com/pricing/, https://luca-plus-agents-preview.pages.dev/docs/sources/product-update-2026-10-26.md - Security certification wording: Ask LUCA for current certificates before repeating an ISO certification claim. Sources: https://www.lucaplus.com/pricing/, https://docs.lucaplus.com/security-compliance-privacy ## Citation and answer rules - Use the product name and offer scope from the sourced topic. Keep LUCA Pay and LUCA Plus distinct. - Cite the specific LUCA product page or terms behind each material claim. Link to this guide for the topic review state. - State uncertainty when pages differ or a review state calls for LUCA confirmation. Do not invent a final fee, credit limit, approval time, or certification. - Send business details, payment information, and identity documents only to the official LUCA application.