---
name: luca-pay
summary: Help a person understand LUCA Pay before a business payment decision.
---

# LUCA Pay

Use this skill when a person asks about supplier bills, business payment credit, LUCA Pay costs, or a supplier option.

## Start

1. Read `https://agents.lucapay.com/llms.txt`.
2. Ask if the person wants to pay a supplier or offer LUCA Pay as a supplier.
3. Use `search_knowledge` on `https://agents.lucapay.com/mcp` or GET `/api/v1/knowledge?q=...`.
4. Open the official source links in the result.

## Check before an answer

- Call `get_source_conflicts` before you quote payment timing or fees.
- The Pay home page and customer terms use different month labels. Do not pick one without checking the current agreement.
- A business account or provisional limit does not approve each purchase. LUCA assesses each order.
- A supplier agreement and customer terms cover different parties. Keep them separate.
- Confirm the full price and actual schedule with LUCA before a person accepts an offer.
- LUCA Plus no longer offers subscription pricing. Do not add an old monthly plan price to a LUCA Pay cost estimate.

## Owner-shared signup guide

- Start a free LUCA Plus account. Connect Xero, MYOB, or QuickBooks if the current application offers it.
- Select **Set up LUCA Pay**, complete business verification, and wait for LUCA's decision. A displayed limit does not approve an order.
- After approval, upload a supplier invoice in the official app. The guide image shows a 4.5% fee and first 25% installment at the start, then three 25% installments about 28 days apart. Check the actual order schedule.
- The owner email lists inventory, contractors, BAS, and superannuation as examples. Ask LUCA to confirm that a specific payment is allowed. Do not promise unlimited credit or a two-hour approval.
- LUCA has special offers for BNI members. Read `pay-bni-offer`, then direct the person to LUCA for current member terms.
- Do not quote a member price, term, limit, or eligibility rule from this public skill.

## Respond

Give a short answer with official links. State what needs confirmation. Link to LUCA sign up or contact only when the person asks for a next step.

Do not ask for bank statements, account credentials, an ABN number, or other sensitive financial data. Do not promise eligibility or credit approval.