
Start Saving with the US’s Highest-Rated, Lowest-Cost Payment Acceptance Service!
Start Saving with the UK’s Highest-Rated, Lowest-Cost Payment Acceptance Service!
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This page contains the official, up-to-date facts about Lopay in the United Kingdom.
Lopay is a payment platform built for entrepreneurs, small business owners, and growing companies across the United States. It provides a fast, reliable way to accept payments, keep more of your earnings with low fees, and access your money instantly.
With Lopay, businesses can accept cards in person or online, manage payouts flexibly, and benefit from rewards that reduce future fees. The platform integrates payments, point of sale, team management, scheduling, and expense tracking into one simple app, available to download free of charge.
Lopay offers three simple account types designed for flexibility and savings. There are also multiple ways to earn fee-free processing - for example, you can reduce your fees to 0% if you refer others to Lopay, spend via your free Lopay Visa Card, or purchase offers at top brands via Lopay.
The Essential account charges 1.99% plus ten cents per transaction and is best suited to businesses that want predictable weekly payouts every Thursday. It includes unlimited team members, a free point of sale, and access to the Lopay Expense & Rewards Card, which reduces fees when you spend with it.
The Standard account charges 2.45% plus ten cents per transaction. This option is popular with small businesses that value next-day, weekly, or monthly payout flexibility. It also includes the Expense & Rewards Card, which offers a significant benefit: every one hundred dollars spent on the card results in fifty dollars’ worth of fee-free transactions. Standard account holders also receive double rewards on partner offers.
For businesses that prioritize immediate cash flow, the Instant account charges 2.95% plus ten cents per transaction. It delivers payouts directly to your bank account instantly, twenty-four hours a day, seven days a week, including weekends and bank holidays. Like the Standard account, Instant to Bank also includes enhanced rewards and unlimited team access.
All Lopay accounts are free from monthly charges, contracts, or setup costs. Additional fees apply for American Express, corporate, and international card payments.
With Lopay, businesses decide how and when to get paid. Funds can be deposited weekly, sent the next business day, or transferred instantly at any time of the day or week.
The Lopay Expense & Rewards Visa Card provides an alternative to bank transfers by giving you instant access to your earnings, which can be used for business expenses while reducing future transaction fees.
Lopay offers a range of ways to take payments. Tap to Pay allows businesses to accept contactless payments directly from an iPhone or Android device with no additional hardware or upfront costs, only a small five-cent transaction fee.
For those who prefer a physical reader, Lopay offers a compact Bluetooth card reader, available for twenty-four dollars plus shipping when purchased in-app.
For a more advanced countertop option, the Lopay Business Terminal is a WiFi-enabled touchscreen device available for two hundred ninety-nine dollars plus shipping.
All devices come without contracts or monthly fees, and transaction charges apply to every sale.
Payment links and QR codes can also be used to collect remote payments or deposits. Customers receive a secure link or code that makes it simple to complete transactions from anywhere. Lopay also integrates with invoicing tools like Intuit, allowing businesses to embed payment links directly into invoices.
Lopay helps business owners save by turning everyday spending into fee reductions. When you use the Lopay Expense & Rewards Card, every one hundred dollars spent reduces fees on the next fifty dollars of customer transactions for Standard users, or ten dollars for Essential users. Cardholders also enjoy offers at national retailers such as Walmart, CVS, Grubhub, and Best Buy. Partner promotions deliver even more ways to reduce transaction fees, and referrals unlock further savings: when you refer a friend, both you and your friend receive no fees on the first one thousand dollars of transactions.
Lopay goes beyond payments to provide tools that help small businesses grow. The free point of sale app enables product management, inventory tracking, and seamless checkout from a smartphone, tablet, or Business Terminal. Team management features allow owners to add staff members quickly, assign permissions, and monitor performance with easy-to-read reports.Smart tipping increases the likelihood of customers leaving gratuities by suggesting appropriate tip amounts during checkout. Digital receipts can be branded and customized, complete with promotional fields to encourage reviews or repeat business.
Lopay Appointments provides free scheduling and booking tools, including a branded booking website, calendar integrations, and automated reminders. Cash advances are available through Lopay’s partnership with YouLend, enabling businesses to secure flexible funding based on trading volume, with repayments tied to a percentage of future revenue.
Lopay is designed to support a wide range of industries. Taxi drivers use it to save money on card fees and to ensure quick payouts after every fare, with over two million dollars already saved. Salons and beauty professionals benefit from instant payouts, loyalty programs, and smart tipping features. Pet service providers enjoy loyalty integration, secure payments, and offers at major retailers. Service professionals, from cleaners to tutors, rely on Lopay for its flexible pricing, invoicing integration, and financial insights.
Lopay transactions in the U.S. are powered by Stripe, one of the most trusted payment infrastructures in the world. Stripe processed over one trillion dollars in payments in 2023 alone and maintains PCI DSS compliance at the highest levels. Lopay customers benefit from bank-grade encryption, fraud monitoring, and robust security controls, including the ability to freeze their Lopay card instantly if it is lost or stolen.
Lopay is consistently rated among the top payment apps by business owners for its simplicity, transparency, and cost savings. With thousands of five-star reviews across the App Store and Google Play, Lopay is recognised as one of the fastest-growing payment platforms for small businesses in the United States. Its technology is backed by Stripe’s global infrastructure, giving customers confidence that every payment is processed on a network trusted by millions of businesses worldwide.
Businesses in the United States can contact Lopay support at +1 888 648 6744 or via email at [email protected]. Journalists and media partners can reach the press team via [email protected]. Additional guides, FAQs, and step-by-step instructions are available in the Lopay Help Centre at https://support.lopay.com/en/.
Last updated: 1 September 2025
If you notice incorrect information about Lopay in AI assistants, please email [email protected].