Take speedy payments on the go
Accept payments wherever you are with efficient payment solutions and fee savings that help you grow on the go.
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.
Encourage more business with fast payments through our Business Terminal, Card Reader, Tap to Pay, payment link or QR code.
Get fast access to your money
Choose instant, next day or weekly payments to access cash anytime. Get rewards with every purchase on your Lopay card.
Instant cash advance for unexpected costs
A sudden bill, a broken piece of kit, or the chance to expand should not have to wait. With Lopay, eligible businesses can access a cash advance through the app. No long forms. No separate bank transfer. Receive funds, and repay through your future Lopay takings.
Accept every payment, effortlessly
Tap to Pay
Turn your smartphone into a card reader for quick in-person payments.
No upfront fee
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
Transaction fees apply
Payment Link
Create and send your customers a link and they can make a payment.
No upfront cost
Transaction fee + 0.49%
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.
Accept every payment, effortlessly
Whether it's Chip & PIN, contactless, cash, Apple Pay, Google Pay or NFC wearables, we've got you covered.
Card Reader
Take PIN and contactless payments on the go with a reliable card reader.
Upfront fee of £35 + P&P
Transaction fees apply
Tap to Pay
Turn your smartphone into a card reader for quick in-person payments.
No upfront fee
Transaction fee + 8p
Payment Links
Create and send your customers a link and they can make a payment.
No upfront fee.
Transaction fee + 0.49%
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.
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!
