Double The Rewards.
Half The Fees.

Level up your business with Cash Advances

Use your Lopay card to pay off your Capitalontap balance and unlock:

✔ 1% cashback on all spend

✔ 50% fee-free payment processing*

✔ Stack rewards to unlock double the benefits

*50% of your Capital on Tap bill back in fee-free processing

Why This Combo Works

Lopay's Visa Expense and Rewards Card + Capital on Tap

1% Cashback

Capitalontap gives you 1% cashback on card spend - no caps, no categories.

✔ No foreign exchange fees

✔ 24/7 customer support

✔ Unlimited free company cards

✔ Uncapped 1% cashback on all card spending

✔ Exclusive offers at partner brands

✔ Redeem points against your balance, for cash, or for gift cards

Fee free payment processing

Keep more of what you earn with Lopay - the UK’s lowest cost, highest rated payment acceptance app

✔ Fully inclusive transaction rate of 0.79% that you can offset to zero

✔ Tap to Pay, bluetooth card reader or standalone Business Terminal for fast, secure in-person payments

✔ Payment Links to accept card payments from anywhere

✔ Partner vouchers and rewards

✔ Quickbooks and Xero integrations

Free Lopay Visa Card

Free virtual Expense & Reward card available instantly in the Lopay app.

✔ Use your Lopay Visa card to pay off your Capital on Tap bill to get 50% of the bill in fee-free payment processing

✔ No contracts, no fees, no commitment

✔ Instant access to your funds

✔ Physical card available too

How to Unlock Your Rewards

Once you have been trading with us for a few months and you are eligible, you’ll be able to apply for a loan based on your turnover. Here’s how in 3 quick steps.

1

Sign Up for Capital on Tap

Apply online in minutes and get approved instantly.

✔ No annual fees, Get a Capital on Tap card for free.

✔ 1% cashback on card spend.

✔ Decision in minutes.

2

Activate Your Lopay Account

Download the Lopay app and get your  free Lopay Expense & Reward Card.

✔ 0–0.99% transaction fees.

✔ Up to £2,000 in fee-free processing for joining.

✔ Instant access to your funds.

✔ Apply for capital loans in app to boost your business.

3

Pay Off Capital on Tap with Lopay

Pay your Capital on Tap bill with your Lopay Visa Card and get 50% of the bill back in free payment processing.

✔ Earn 1% cashback.

✔ Get 50% back in fee-free payment processing.

✔ Earn more, access to more capital, grow your business.

Seamless loyalty done right

Already a Lopay Customer?

Already a Capitalontap Customer?

Our customers love us

Real Results from Lopay Businesses

Double The Rewards.Half The Fees.