The Smarter Way to Get Paid
Convenient. Secure. Reliable.

Your business deserves more than just a payment app. Lopay helps you accept payments anywhere, access instant payouts, and keep more of what you earn — all with the lowest fees in the market.

Start Fast, Grow Faster

Onboard in just 10 minutes:

First $1,000 is fee-free.
No contracts. No monthly fees.
Simple setup that gets you selling today.

*Offer valid for new Lopay users. 0% transaction fees apply to the first $1,000 in processed payments. Standard 1.99% + $0.10 per transaction applies thereafter.

Lowest Transaction Fees in the USA

Cut costs, not corners.
Lopay offers transaction fees starting at just 1.99% — the lowest in the market.

Get Started in 3 Simple Steps

Sign up here and fill in your details in 5 - 10 minutes.

Sign up — Fill out your details in 5–10 minutes
Download the app — Available on iOS & Android
Take a payment — Access your money instantly

Download the App

Take a payment

And access your money the moment you earn it

Exclusive Welcome Offer

50% OFF your card reader

Your compact, Bluetooth wireless solution for fast and secure payments. Works seamlessly with the Lopay app on your phone or tablet.

Trusted by Businesses Across the USA

With Lopay You Can Take Payments Like:

Free Tap to Pay

No extra hardware needed. Just use your phone and start accepting contactless payments right away.

Transaction fees of only 5¢.

Choose How You Take Payments

Whether you’re on the go or running a busy shop, Lopay gives you the tools to accept payments your way.

Card
Reader

$24 (50% OFF)
Compact & lightweight
Connects via Bluetooth to your smartphone
Fast, secure transactions anywhere
Perfect for mobile businesses, pop-ups, and solo entrepreneurs

Business
Terminal

$299.99 one-time
Sleek all-in-one touchscreen POS
Built for higher volume businesses and shops
Accepts cards, contactless, and digital wallets
Tip, receipt, and app integration included

Your Earnings. In Your Pocket. Instantly

Why wait days to access your money? With the Lopay Expense & Rewards Card, every payment you take is available to spend seconds after the sale.

Earn cashback on purchases

Instant access to your funds

No transfer delays, ever

Recognized for Innovation, Growth, and Tech Excellence

Doubts? Check out our FAQs

Is Lopay really free?

Yes — there are no setup fees, no contracts, and your first $1,000 is completely fee-free. After that, you’ll still enjoy the lowest rates in the market.

Can I use Lopay without hardware?

Absolutely. With Tap to Pay on your phone, you don’t need any extra devices. Hardware like our card reader or business terminal is completely optional.

When do I get paid?

Immediately. Your money is available instantly, 24/7 — even on nights, weekends, and holidays. No waiting, no delays.

What fees come after $1,000?

Just 1.99% + 10¢ per transaction. Or pay 0% fees when you spend directly with your Lopay Card.

Get $1,000 Free. Start Taking Payments Today.

Fast setup. No contracts. No monthly fees. Instant access to your money.