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The Lucy gateway is a proprietary gateway from Cynergy Data, providing secure payment processing online. The Lucy gateway boasts 99.99% uptime and fast authorization, helping you focus on business instead of IT glitches. If you’re looking for a new payment gateway that includes a virtual terminal, read on to learn if LUCY is right for your business.

What processors work with LUCY?

LUCY’s website does not offer any information about compatible payment processors. Cynergy Data, markers of LUCY, sell the gateway to business partners that resell it. You’ll need to check with your processor to see if LUCY can be supported.

LUCY Features

The LUCY gateway doesn’t have quite as many bells and whistles as some other gateways, but offers plenty of standard features that will be suitable for most businesses. LUCY’s features include a virtual terminal, recurring billing, real time transaction reporting , integration support, and fraud prevention.

Virtual terminal
A virtual terminal option is available with the LUCY gateway for you to enter card information manually through an internet-connected computer into a secure payments form. The virtual terminal is ideal for businesses who take payments by phone or mail order, or need to accept payments occasionally at tradeshows or other on-the-road events.

Recurring billing
For businesses that offer goods or services on a recurring basis, the Lucy gateway’s recurring billing option helps automate the process of collecting payment. Ideal for subscription businesses and companies who offer weekly or monthly “clubs”, recurring billing eliminates the need contact customers every time a payment is due.

Real Time Transaction Reporting
Who wants to wait until the end of the day, or even the week or month, to see transaction reports? With LUCY, you don’t have to. You can see your reports in real time, giving you better insight into how your business is running.

Integration support
The LUCY gateway offers tools for easy integration, including a software developer kit, sample code, a test account, and integration certification scripts. Additionally, LUCY can be integrated with QuickBooks.

Security and Fraud Prevention

Don’t let fraud put the brakes on your business. LUCY offers intrusion detection, SSL encryption, and a network that’s monitored 24/7.

LUCY is PCI compliant. The gateway offers several security features, including intrusion detection to catch hackers, SSL encryption to turn data into an unbreakable code, and always-on monitoring to ensure fraud doesn’t take place.


Helpful Links

Manufacturer’s Site
LUCY Gateway

Product Features
Status Universal
Product Category Gateways
Features Includes virtual terminal, Fraud prevention features, Recurring billing, Mobile swiper support, Web Service API, Real-time reports

Lucy Q&A

Does Lucy offer Level 2/3?
TSYS Merchant Solutions Logo
Votes:0 +
from TSYS Merchant Solutions

Not that I'm aware of at this time


Does the Lucy Gateway process level 2 and level 3 data?
TSYS Merchant Solutions Logo
Votes:0 +
from TSYS Merchant Solutions

Please contact Lucy Gateway to understand if they process Level 2 and Level 3 data and which processors they work with in ordeer to process these transactions. 


Submit your review for Lucy

new new new new new

Review posted: 01/02/18 new
Name: Limo Miami Gt
Title: worse ever


Very bad experience. Even when I cancel it, they still try to charge me.

Review posted: 05/18/16 new
Name: CardFellow
Title: good basic gateway


The LUCY gateway offers two features in particular that are helpful: a virtual terminal for taking cards over the phone, and recurring billing to set up automatic payments from customers.