Take back control of how much you pay and when you get paid with Lopay’s low fees, instant access and flexible payouts, perfect for if you’re just starting out or growing a business empire.
✔ Chip & PIN via Card Reader
✔ Contactless (Apple & Google Wallet)
✔ NFC/Wearables
✔ Tap to Pay
✔ Smart tipping
✔ AMEX switch on/off
✔ One-time payment links
✔ Recurring payment links
✔ Subscriptions
✔ Donations
✔ QR Code
✔ From Cart (POS)
✔ Invoicing
✔ Apply tax
✔ Smart Receipts (SMS & Email)
✔ Refunds
Learn more
✔ Unlimited products on POS
✔ Collections and Grids
✔ Description, Tags, Variants and categorises
✔ No hardware required
✔ Searchable image library
✔ Inventory management
✔ Cart discounts (coming soon)
Learn more
✔ Balance & Activity dashboard
✔ PDF, CSV reports
✔ Transaction reports
✔ Sales reports
✔ Spend reports (Lopay Rewards & Expense card)
✔ Spend charts (Lopay Rewards & Expense card)
✔ Team reports
✔ Track payouts
✔ Track rewards and savings
✔ Track and issue refunds and receive
✔ Filter and search activity
✔ All easily accessible in-app
✔ Earn rewards and reduce the transaction fees you pay
✔ Rewards for Lopay Expense & Rewards card spend
✔ Multiple opportunities to earn rewards whether you’re just starting or have been with us a while
✔ Rewards for offers at top brands such as DoorDash, Walgreens, Walmart, Uber Eats and more
✔ Rewards for you and a friend when you refer them to Lopay. T&Cs apply.
✔ Track rewards, view savings and discover more ways to earn rewards and save in-app
Learn more
✔ Unlimited team members
✔ Set and manage permissions
✔ Team reports
✔ Tipping
Learn more
✔ Instant access
✔ Free virtual expense card
✔ Order a physical card in the app
✔ Spend reports
✔ Spend charts
✔ Rewards every time you spend
✔ Add to Apple wallet
✔ Add to Google wallet
✔ Attach receipts, categorises and notes to expenses
✔ PIN security
✔ FaceID security
✔ Freeze, report and replace cards
Learn more
✔ Guided in-app onboarding journey
✔ In-app, email and phone support
✔ Access to 60+ help articles
✔ Award-winning payment app
TRANSACTION FEES
Essential Account: 1.99% + $0.10 per transaction for US consumer Visa & Mastercard transactions.
Standard Account: 2.19% + $0.10 per transaction for US consumer Visa & Mastercard transactions.
Instant to Bank: 1.79% per transaction for UK consumer Visa & Mastercard transactions.
AMEX, International & Corporate Cards: +1% per transaction, all accounts.
OPTIONAL PRODUCT FEES:
Tap to Pay: +$0.08 per transaction.
Xero invoicing: +0.29% + $0.10ALL ACCOUNTS
✔ Free POS with unlimited products
✔ Free reporting features
✔ Free and unlimited team members
✔ Free iOS & Android app
✔ No platform fees
✔ No multi-location penalty
✔ No monthly fees
✔ No PCI fees
✔ No fees when refunding customers
✔ No monthly minimums or charges
✔ No setup fee
✔ No monthly fee
✔ Free virtual card
✔ $4.99 admin fee for Physical card delivery
Try Lopay now with no contracts and no hidden fees. Enjoy zero setup costs, no monthly fees, and keep more money in your pocket with every transaction!
See how much you could save.
Lopay 0.79% per transaction on the Essential Account or just 0.99% for our Standard Account.
SumUp 1.69% per transaction or 0.99% per transaction, plus £19 monthly fee
Dojo 1.4% + 5p per transaction
Square 1.75% per transaction
Zettle 1.75% per transaction
Lopay +1% so 1.79% on Essential Account and only 1.99% on Standard Account
SumUp 1.99% for all cards
Dojo Variable % + 5p for AMEX and 1.99% + 5p for corporate cards
Square 2.5% + 25p for international cards and 1.75% for corporate cards
Lopay +0.49% per payment link so 1.28% per link on Essential Account and 1.48% on Standard Account
SumUp 2.5% per payment link
Dojo 1.9% per payment link
Square 1.4% + 25p for UK card transactions or 2.5% + 25p for non-UK card transactions for payment links
Zettle 2.5% per payment link
Lopay only £24 now with 50% off your first card reader deal when purchased in an app. No multi-location penalty, no monthly minimums, no setup fees, no platform fees, no monthly fees and no lock-in contract.
SumUp £58.80 for their cheapest card reader.
Dojo £20 per month, per device fee + £10 per month / per location platform fee.
Square starting price 22.80 for their cheapest card reader.
Zettle cheapest card reader from £29.
Lopay:
Whether you’re just starting out or a loyal customer, we reward you along the way with Lopay Rewards. Earn Rewards in a variety of ways and reduce the fees you pay on transactions.
For example, refer a friend and both of you get no fees on £1000 of transactions after they’ve signed up to Lopay.
SumUp: No rewards to reduce transaction fees
Square: No rewards to reduce transaction fees
Dojo: No rewards to reduce transaction fees
Zettle: No rewards to reduce transaction fees
Lopay’s flexible payouts give you instant access to your funds, 24/7 including bank holidays and weekends, next day, weekly and monthly payouts
SumUp next business day, not including weekends or bank holidays. Weekly and monthly payouts are also available.
Square only next business day payout
Dojo only next business day payouts, not including weekends or bank holidays
Zettle only next business day payouts, not including weekends or bank holidays
Lopay
4.8 Apple Store
4.8 Google Play Store
4.6 Trustpilot
4.7 Overall rating 🏆
SumUp
4.7 Apple Store
4.7 Google Play Store
4.2 Trustpilot
4.5 Overall rating
Dojo
3.8 Apple App Store
4.1 Google Play Store
4.7 Trustpilot
4.2 Overall rating
Square
4.8 Apple App Store
4.6 Google Play Store
4 Trustpilot
4.5 Overall rating
Zettle
4.6 Apple App Store
3.8 Google Play Store
2.9 Trustpilot
3.7 Overall rating
If anything’s not 100% clear, just get in touch and we’d be happy to help
Yes! There’s no contract or minimum term and you can be taking payments in minutes:
1. Download the Lopay app from the AppStore or the Play Store
2. Register your business in minutes
3. Choose your account type and how you’d like to take payments
If you order a card reader or terminal it will typically arrive in 2-3 business days - or turn your smartphone into a payment device with Tap to Pay and start taking payments immediately.
With Lopay, you can earn Rewards within the app to further reduce the fees you pay on transactions. For instance, spend $100 via your Expense & Rewards Card and get no fees on your next $50 of transactions (Standard Account).
Simply head to the “My Savings” blue tile on the home screen to discover more ways to save.
You don’t need to purchase any hardware to start taking payments. With Tap to Pay, you can take superfast minutes in minutes with just your phone.
Every Lopay customer also gets access to our Free Point of Sale features, so you can sell products and services without purchasing any bulky or expensive hardware.
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 [email protected] or +1 320 377 3741. We’re here to help.
Get instant access to your money with the free Expense & Rewards Card on Standard and Essential Accounts and use it to reduce your transaction fees.
So, for every $100 spent via the card, you'll pay no fees on your next $50 of transactions on the Standard Account (or the next $10 on the Essential Account).
Refer a friend to Lopay and each get no fees on $1000 of transactions after signing up.