Lopay is the low rate payment app that gives you more

Choose your rates
Keep more of your money

Lopay is less than half the price of SumUp and Zettle so you keep more of the money you’ve earned – and you get a free card reader!


Get FREE transactions!

Simply download the app, get your mates to do the same and you’ll both get rewarded.

‘Best credit card machine on the market and it gets better with every update. I like the fact you can choose how quickly you get paid and the tip option is superb.’
Paul Davis

See how Lopay compares



Transaction Fee


Card reader

Payment control



Transaction Fee


Card reader

Payments arrive in up to 3 working days



Transaction Fee


Card reader

Payments arrive in up to 2 working days


Transaction Fee


Card reader

Payments arrive in up to 3 working days



Transaction Fee


Card reader

+30p up to 5 working days

* 0.79% rate is for UK Visa & Mastercard payments on a Weekly payout schedule only.   ** Free if you transact £2,500 in the first 6 months (then either return the card reader or pay £49), postage & packaging applies.   Disclaimer: Transaction fees as advertised on January 12th 2022.

'I have sum up, izettle, and this Lopay is the best by far. Choose when you want paying. And no connection problems with the card reader 5*'
Wayne Stacey

Get your money when you want it

With Lopay you get super flexible rates and you choose when to get paid – today, tomorrow, weekly, even at weekends.




Next day*



You’ve worked hard for your money. So why give so much of it away every time you take a payment?
* American Express, corporate and international card payments are 1.79% (or 2.79% for an instant payout) due to higher associated network fees.
‘Love this. Super easy to use and take payments and just makes things easier for my customers but most importantly I can get my payments straight away.’

Mobile or terminal –
you choose

With Lopay, you only need your mobile to start taking payments. Want a terminal? We’ll give you one for free. Simply register on the app to order it – boom!

‘Really good! Better customer service than SumUp. Better fees & payout flexibility than any other card reader provider.’
Steve O

Fast, clear reporting

Stay in control with our advanced reporting. See daily, weekly, and monthly totals at a glance. Or export a report for your favourite accounting software.
‘I’ve been using the app and the card reader for a month now and it’s been amazing. Thanks guys for a top service. Highly recommended.’
Jimbobs bob

Ready to keep more of your money?

Download the app now and start
accepting payments in minutes.
Get control, get low rates, get Lopay. You’ve earned it.

‘Genuinely a fantastic system & app. Makes taking card payments or sending links to my customers for deposits so easy and prompt payments at great rates.’
Busy Bee Cabs Cornelly

Frequently asked questions

We work with many types of business, from sole traders to clubs, charities, and companies. If you want to take payments anywhere, anytime, Lopay is here for you.

Create QR codes for your customers to scan and pay in seconds or send a payment link over text, email, or social media so your customer can pay from anywhere. And if you still need one, we offer a free card reader too.

Please note: You can’t use Lopay if you sell products and services that are either prohibited by the credit card network or violate laws in the countries where Lopay operates. For more information please see our Restricted Businesses page.

Lopay enables faster cashless transactions. Your customers can pay by Apple Pay or Google Pay in just two taps on their smartphone. Simply ask your customer to scan the QR code on your Lopay smartphone or a Lopay Paypoint – or send a payment link via text, email, or social media. No need for a wallet and no app download. Your customer just needs a smartphone.

For contactless and chip & PIN card payments, we offer a free card reader. So that’s sorted too.

We charge a flat transaction fee that includes card network costs – and you choose when you receive your money:

  • 0.79%* for Weekly payouts (every Thursday)
  • 0.99%* for Next Day payouts (next business day, Monday to Friday)
  • 1.79%* for Instant payouts (immediate, even on weekends & holidays)
* Rates apply to UK Visa & Mastercard payments. American Express, corporate & international card payments are 1.79% (or 2.79% for Instant payouts) due to higher associated network fees.
Minimum payout is £1 (or £10 for Instant payouts). And your first card reader is completely free if you transact £2,500 in the first 6 months.  (Postage & Packaging applies.)
No monthly subscription charges. No minimum term. No additional fee for payment links.

Yes! Just 3 steps and you can be taking payments in minutes:

  1. Download the lopay app from the AppStore here or the Play Store here
  2. Enter your company and contact details to register
  3. Connect your bank account and verify your identity to receive your payments


Once registered, you can order your free card reader via the app – they typically take 3-5 business days to arrive

You can ask us anything via the chat icon in the app or refer to the step-by-step guides and FAQs in our Support Centre.

Alternatively, get in touch via the web form below, [email protected], or 020 4571 4796. We’re here to help.


We’re here for you

You know how Lopay is here to work for you. But it’s nice to know we’re here to help you too. So if you’re experiencing anything less than a perfect service from us, just get in touch.

Opening hours

Monday to Friday, 9am to 5pm

Get in touch

Call us: +44(0)20 4571 4796
Email: [email protected]

Contact form

‘Unbelievably simple. So quick to set up and use. Bang on for what retailers and customers are looking for!’

Easy to sign-up

Download the Lopay app (on Android or iOS) and set your account up in minutes.

Helpful support

Get live customer support via the mobile app. Or reach out via email, telephone, or web form.

No limits on transactions

Whether you’re a sole trader, an SME or a global corporation, there’s no limit on any transaction.
‘I’ve only had Lopay a couple of days but can already say it’s the best, quickest, system I’ve been on.’
Mr Clark

Amazing customers, brilliant reviews