Elevate your
brand with better payments
Impress your customers with high-end, reliable payment solutions while avoiding high processing fees.
Get Started
Here is exactly how Lopay makes your business more profitable the minute you switch.
Start with an unbeatable 0.79% processing rate
Lopay
0.79%
SumUp
1.69%
myPOS
1.33%*
Square
1.75%
*Effective rate based on an average transaction of £30 (1.10% + £0.07 per transaction), rate varies with transaction value. All rates, fees and competitor pricing shown were accurate at the time of publication. Competitor pricing may change without notice.
Reduce fees to 0% when you use your Zero card for your business expenses.
Every time you pay for stock, supplies or the day-to-day expenses your business runs on, you could be wiping out your card fees. For every £1 you spend on the Lopay Zero card, we process £1 of your takings at exactly 0%. Your everyday spending offsets your processing costs.
Keep more of what you earn
Lopay has low fees, no monthly costs, zero lock-in contracts, and secure payment processing that helps your customers pay on card without losing you money.
Accept every payment with ease.
Be confident that you can accept payments quickly and securely with our stylish, advanced card readers. Simple to use, there's no room for confusion so you can give a quality service every time.
Create a professional image
Lopay's payment systems are designed to save counter space and blend in seamlessly with your business. That means no wires or clutter!
Accept every payment, effortlessly
Whether it's Chip & PIN, contactless, cash, Apple Pay, Google Pay or NFC wearables, we've got you covered.
Tap to Pay
Turn your smartphone into a card reader for quick in-person payments.
No upfront fee
No contract, no minimum term.
Transaction fees apply + 8p
Card Reader
Take PIN and contactless payments on the go with a reliable card reader.
Upfront fee of £35 + P&P
No contract, no minimum term.
Transaction fees apply
Business Terminal
A WiFi-enabled touchscreen device to take payments in style.
£15 per month + P&P
12 month rental plan + auto-renewal.
Transaction fees apply
Accept every payment, effortlessly
Tap to Pay
Turn your smartphone into a card reader for quick in-person payments.
No upfront fee
No contract, no minimum term.
Transaction fees apply + 8p
Card Reader
Take PIN and contactless payments on the go with a reliable card reader.
Upfront fee of £35 + P&P
No contract, no minimum term.
Transaction fees apply
Business Terminal
An all-in-one terminal. A sleek, no-wires, touchscreen design.
£15 per month + P&P
12 month rental plan + auto-renewal
Transaction fees apply
Free POS app
The Lopay POS app makes navigating checkout effortless. Charge custom amounts. Add, manage and sell unlimited products and stay on top of what's selling with easy to understand reports via the sleek business terminal, your mobile or tablet.
Everything you need to drive better payments and grow your business
Smart tipping
Boost your chances of getting a tip with Lopay. Our Smart Tipping feature optimises what your customers see, suggesting either a percentage or a fixed amount as a tip.
Dashboard view
View and export reports, or create and manage Payment Links directly from your computer via the Lopay Portal.
Smart receipts
Send instant email & SMS receipts with your logo for a professional touch. Improve your service reputation by using the promotional field* to encourage reviews or link to your preferred site.
Team accounts
Add colleagues to your account so they can securely take payments on your behalf. You'll never have to worry about business during your time off.
Accounting tools
Seamlessly track all transactions and make bookkeeping a dream with automatic sync to Quickbooks & Xero.
Rewards
Use the free Lopay Rewards & Expense Card to spend your earnings and get deals at John Lewis, Boots, M&S, Just Eat and more. You'll get 50% of your processing fees back with each purchase.
Stay on top of your business and help your business grow
Smart tipping
Boost your chances of getting a tip with Lopay. Our Smart Tipping feature optimises what your customers see, suggesting either a percentage or a fixed amount as a tip.
Dashboard view
View and export reports, or create and manage Payment Links directly from your computer via the Lopay Portal.
Team accounts
Add colleagues to your account so they can securely take payments on your behalf. You'll never have to worry about business during your time off.
Accounting tools
Seamlessly track all transactions and make bookkeeping a dream with automatic sync to Quickbooks & Xero.
Smart receipts
Send instant email & SMS receipts with your logo for a professional touch. Improve your service reputation by using the promotional field to encourage reviews or link to your preferred site.
Rewards
Use the free Lopay Rewards & Expense Card to spend your earnings and get deals at John Lewis, Boots, M&S, Just Eat and more. You'll get 50% of your processing fees back with each purchase.
Boost your repeat business
Keep customers coming back with one-click loyalty built right into your POS. Reward customers when they pay with automatic card-linked loyalty points.
Secure payments, powered by Stripe, which provides payment and e-money services under its UK FCA authorisation.
Our robust security features help build trust with your customers. Lopay is powered by Stripe, whose infrastructure processes trillions of pounds in payments and is PCI compliant, so you can be confident every transaction is in safe hands.
Join thousands of other businesses taking praising Lopay
Vasile Pop, Apr 21, 2026
The best POS which I ever used
This is the best POS which I ever used. Is very easy, very fast and the app of LOPAY is very simple and reliable. I never had issues with the payments...
Antony Di Cesare, Apr 15, 2026
Nice and easy to use
Nice and easy to use, option of when payouts recieved, and great rates.
Caitlan, Apr 15, 2026
Highly recommend
I came from sumup, lopay has the lowest transaction fee that I know of and have always had good customer service, friendly. Cannot fault them...
Ellie, Nov 26, 2025
Its low upfront cost
Its low upfront cost, lack of monthly fees, flexible options and user-friendly setup make it especially attractive to small-scale users or businesses just starting...
Andrew, Apr 21, 2026
Very reliable service…
Very reliable service very professional Lopay is the way forward 100% recommend 👍🏻
Dany Hancock, Oct 8, 2025
So easy to use
So easy to use, cheap fees. Would definitely recommend!
Charlotte, Nov 26, 2026
So easy to use
So easy to use, setup was faltless, and the option to borrow is a great addition, it helped me set up my new salon with ease, thank you.
AMY Husbands, Nov 4, 2025
Good
Good card machines! Instant withdrawal, always getting fee free payments just, good incentives for inviting friends to join, for great all round. Definitely recommend
Vasile Pop, Apr 21, 2026
The best POS which I ever used
This is the best POS which I ever used. Is very easy, very fast and the app of LOPAY is very simple and reliable. I never had issues with the payments...
Antony Di Cesare, Apr 15, 2026
Nice and easy to use
Nice and easy to use, option of when payouts recieved, and great rates.
Caitlan, Apr 15, 2026
Highly recommend
I came from sumup, lopay has the lowest transaction fee that I know of and have always had good customer service, friendly. Cannot fault them...
Ellie, Nov 26, 2025
Its low upfront cost
Its low upfront cost, lack of monthly fees, flexible options and user-friendly setup make it especially attractive to small-scale users or businesses just starting...
Ready to give it a try?
Download the Lopay app for free, with no upfront fee, no contracts, commitments or monthly fees when you sign up. Take a look around the app to see what Lopay can do for your business!
Elevate your brand with better payments
Impress your customers with high-end, reliable payment solutions while avoiding high processing fees.
Get started
Join thousands of business owners who love Lopay
Fast, easy payments for you and your customers
Keep more of what you earn
Lopay has low fees, no monthly costs, zero lock-in contracts, and secure payment processing that helps your customers pay on card without losing you money.
Learn about pricing
Accept every payment with ease.
Ensure a great customer experience every time with fast payments through our Business Terminal, Card Reader, Tap to Pay, payment links, or QR code.
Explore payments
Create a professional image
Lopay's payment systems are designed to save counter space and blend in seamlessly with your business. That means no wires or clutter!
Explore Business Terminal
Access your money anytime
Choose instant, next-day, or weekly bank payouts. With our free Expense & Rewards Card, you can access your funds immediately and reduce transaction fees—every £100 spent removes fees on your next £25 of sales.
Explore card
Fast, easy payments for you and your customers
Keep more of what you earn
Lopay has low fees, no monthly costs, zero lock-in contracts, and secure payment processing that helps your customers pay on card without losing you money.
Learn about pricingAccept every payment with ease.
Ensure a great customer experience every time with fast payments through our Business Terminal, Card Reader, Tap to Pay, payment links, or QR code.
Explore paymentsCreate a professional image
Lopay's payment systems are designed to save counter space and blend in seamlessly with your business. That means no wires or clutter!
Explore Business TerminalAccess your money anytime
Choose instant, next-day, or weekly bank payouts. With our free Expense & Rewards Card, you can access your funds immediately and reduce transaction fees—every £100 spent removes fees on your next £25 of sales.
Explore cardPick what you pay & when you get paid
With Lopay, you decide the fees you pay on transactions and when your payouts arrive in your bank.
Essential
Designed for new or part-time businesses. Enjoy reliable deposits of your earnings into the bank every Thursday. Plus 10% back on card spend to help with cash flow in the meantime.
Standard
Best for pet businesses focussed on efficiency and savings. Complete a service for a pet, and the payment will be in your bank the next day. Plus you get 50% back on card spend and double rewards on offers.
Instant to bank
Ideal for busy pet businesses that need quick cash flow. Enjoy instant payouts directly to your bank, available 24/7—weekends and bank holidays included. Plus you get double rewards on offers.
Choose a seamless payment solution
Business Terminal
Card Reader
Tap to Pay
Choose a seamless payment solution
Business Terminal
Card Reader
Tap to Pay
Award-winning technology you can rely on
Unlock tools for better business
Free POS app
Smart tipping
Rewards
Web Portal
Accounting tools
Team accounts
Get extra support as you grow
Digital receipts
Cash advances
Loyalty
Secure Payments, Powered by Stripe that Provides Payments
and E-money Services Under its UK FCA Authorisation
Our robust safety features help build trust with your clients, ensuring a secure transaction environment.
Lopay uses the power and security of Stripe which processed $1 trillion in total payment volume in 2023 alone and is PCI compliant, so you know your payments with customers are in safe hands.
Our friendly, UK-based support team are here to help
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 on support@lopay.com. We’re here to help.
Ready to give it a try?
Download the Lopay app for free, with no upfront fee, no contracts, commitments or monthly fees when you sign up. Take a look around the app to see what Lopay can do for your business!
Think your mate would love Lopay?
Refer a friend to Lopay and each get no fees on £1000 of transactions after signing up.
