Get your cash flowing

Lopay's simple, low-fee payment solution gives service businesses and sole-proprietors more control over their money.

Get your cash flowing

Join thousands of other service professionals praising Lopay...

Control your costs, boost your profits

Earn more with lower fees

No more confusing fees or high percentages! Keep more of your cash with our low processing fees. Take control of the rate you pay and withdraw funds to your bank whenever you need. Lopay doesn’t just help you run your business, but empowers you to lead it on your own terms.

Compare pricing
*Rewards T&Cs apply
Earn more with lower fees

Pick what you pay & when you get paid

With Lopay, you decide the fees you pay on transactions and when your payouts arrive in your bank.

Essential

1.99% + 10c per transaction

Designed for those just starting out or working part-time. Enjoy reliable deposits of your earnings into the bank every Thursday. Plus for every spent $100 with the Lopay card you’ll pay no fees on $10. Reward T&Cs apply.

Standard

2.45% + 10c per transaction

Best for those focussed on efficiency and savings. Complete work today, and the money will be in your bank tomorrow. Plus for every spent $100 with the Lopay card you’ll pay no fees on $50. Reward T&Cs apply.

Instant to bank

2.95% + 10c per transaction

Ideal for those who need quick cash flow. Enjoy instant payouts directly to your bank, available 24/7—weekends and bank holidays included.

*Rewards T&Cs apply

Choose from multiple ways to get paid, fast

Payment Method
Tap to Pay

Tap to Pay

Close a sale with just a tap to impress your clients with a super simple checkout. Accept contactless payments directly from your phone — no card reader needed!
No upfront fee.

No contract, no minimum term.
Card reader

Card reader

Take payments with a familiar, reliable card reader. These are affordable, compact and user-friendly to accept chip & PIN and contactless card payments on the go.
$24 upfront fee + $4.99 postage & packaging
Payment Links

Payment Links

Send links via text, WhatsApp or email to quickly & securely take payments from anywhere. You can turn a link into a subscription for recurring customer payments.
No upfront fee.
*$24 + P&P for your first card reader when ordered through the Lopay app. $49 via our online store or subsequent card readers.

Choose from multiple ways to get paid, fast

Payment Method
Tap to Pay

Tap to Pay

Close a sale with just a tap to impress your clients with a super simple checkout. Accept contactless payments directly from your phone — no card reader needed!
No upfront fee.
No contract, no minimum term.
Card reader

Card reader

Take payments with a familiar, reliable card reader. These are affordable, compact and user-friendly to accept chip & PIN and contactless card payments on the go.
$24 upfront fee + P&P
No contract, no minimum term.
Payment Links

Payment Links

Send links via text, WhatsApp or email to quickly & securely take payments from anywhere. You can turn a link into a subscription for recurring customer payments.
No upfront fee.
No contract, no minimum term.

Award-winning technology you can rely on

UK Business TECH AWARDSFintech Innovator of the YearMost Impressive GrowthTech Company of the Year MediumBest Tech Start-UpBest Mobile Payments SolutionPayments Start-Up of the YearMost Disruptive Payments TechnologyBest Merchant Acquirer or Processor
UK Business TECH AWARDSFintech Innovator of the YearMost Impressive GrowthTech Company of the Year MediumBest Tech Start-UpBest Mobile Payments SolutionPayments Start-Up of the YearMost Disruptive Payments TechnologyBest Merchant Acquirer or Processor

Instantly access your money and get rewarded

Spend smarter, save more

Get offers at Walmart, CSV, Grub Hub and Best Buy. Use the free Lopay Expense & Rewards card to spend your earnings and reduce your transaction fees. So, for every $100 spent on the card, you'll pay no fees on your next $50 on the Standard Account and $10 on the Essential Account.Reward T&Cs apply.

Learn more
*Offers subject to availability. See in app for the latest deals.
Spend smarter, save more

Instantly access your money and get rewarded

Spend smarter, save more

Get offers at EE, John Lewis, Boots, Morrisons, Just Eat and more*. Use the free Lopay Expense & Rewards card to spend your earnings and reduce your transaction fees. So, for every £100 spent on the card, you'll pay no fees on your next £50 on the Standard Account and £10 on the Essential Account.

Learn more
*Offers subject to availability. See in app for the latest deals.
Spend smarter, save more

Stay on top of your business

Smart tipping

Smart tipping

Boost your chances of getting a tip with Lopay. Smart tipping automatically prompts customers to tip an appropriate amount.
Financial reports

Financial reports

Spend less time worrying about cash flow. Get an instant overview of your finances with easy-to-understand sales reports.
Accounting tools

Accounting tools

Seamlessly track all transactions and make bookkeeping a dream with automatic sync to Quickbooks & Xero.

Help your business grow

Smart receipts

Smart receipts

Build your reputation by making it super easy for happy customers to share their feedback. Our customisable digital receipts feature a handy promotional field* where you can nudge customers to leave a review, or direct them to your preferred feedback site.
Cash advances

Cash advances

Need a little extra to support your business? We provide cash advances* based on your trading volume to help you grow.
*Feedback and promotional field coming soon.

Secure payments, powered by Stripe

Our robust safety features help build trust with your clients, ensuring a secure transaction environment.

Lopay uses the power and security of Stripe which processed $1 trillion in total payment volume in 2023 alone and is PCI compliant, so you know your payments with customers are in safe hands.

Secure payments, powered by Stripe

Our friendly support team are here to help

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
+1 888 648 6744. We’re here to help.

Our friendly, UK-based support team are here to help

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!

App Store
Google Play

Think your mate would love Lopay?

Refer a friend to Lopay and each get no fees on $1000 of transactions after signing up.

Think your mate would love Lopay?
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