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: an additional 1% fee applies for each category, meaning fees can be combined where applicable.+1% per transaction on 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 1.99%+$0.10 per transaction
Chase 2.6%+$0.10 per transaction
Clover 2.3%+$0.10 per transaction
Square 2.60%+$0.10 per transaction
Zettle 2.29%+$0.45 per transaction

Lopay:
Premium cards — Amex, international and corporate — are +1.00%.
That makes them 2.99% + $0.10 on Essential and 3.45% + $0.10 on Standard.
Chase:
2.6% + $0.10 for tap, dip or swipe.
3.5% + $0.10 for keyed/manual transactions.
Square:
2.6% + $0.15 in person.
3.3% + $0.30 online.

Lopay:
Payment Links are +0.49%.
Chase:
3.5% + $0.10 for invoices, payment links and manual transactions.
Square:
Payment links fall under online payments: 3.3% + $0.30
SumUp:
Payment Links are 3.25% + $0.15

Lopay:
First card reader ordered in-app: $35 + shipping.
Chase:
Card reader: $99.
Base: $49.
Reader + base bundle: $129.
Clover:
US pricing varies by plan, business type and hardware.
Square:
Contactless and chip reader: $59.

Lopay:
Spend with the Lopay Expense & Rewards Card and reduce future transaction fees.
Spend $100 and get no fees on the next $10 of transactions on Essential or the next $50 on Standard.

Lopay:
Flexible payouts: instant, next day, weekly or monthly. Instant payouts to bank are available 24/7, with optional payout fees.
Square:
Square offers standard and instant transfer options.

Lopay:
App Store: 4.9
Google Play: 4.4
Trustpilot: 4.7
Overall: 4.7
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 support@lopay.com 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.
