Even though you might not have Luminate, LCRM is still integrated with an LO "ghost" site, meaning it is not accessible to you, but it is used for online actions, such as integrating a payment gateway to your instance. It is not recommended to use your own payment processing app because we can't support any issues that may arise by using it. LCRM by default is configured to process donations through LO and so we can't guarantee stability and quality if you were to use an external app.