lopay the advanced payment app that gives you complete control

Get to choose when you get paid. Get to keep more of your money. You’ve earned it.

Plus, there’s no minimum spend, instant payouts, and you can get a free card reader. How handy is that?

Payment app for small businesses

Plus, there’s no minimum spend, no chargebacks and instant payouts. How handy is that?

lopay is trusted by

payment loyalty
order pay

lopay gives you much more

Super flexible payouts

You don’t just keep more of the money you’ve earned. You decide when it hits your account:

  • Instant – 1.79% 
  • Next Day – 0.99%
  • Weekly – 0.79%

Mobile or terminal –
you choose

All you need to take payments is your mobile (but if you want a terminal, we’ll give you one for free). Customers simply scan your unique QR code to make a payment. Supported by Apple Pay and Google Pay.

Simple, helpful, fast reporting

Stay in control with our advanced reporting technology. And you can export transactions to your favorite accounting software.

How do we compare?



Transaction Fee


Card reader

Payment control



Transaction Fee


Card reader

Payments arrive in up to 3 working days



Transaction Fee


Card reader

Payments arrive in up to 2 working days


Transaction Fee


Card reader

Payments arrive in up to 3 working days



Transaction Fee


Card reader

+30p up to 5 working days

Disclaimer: Based on a $10 personal US Visa or Mastercard transaction, using transaction fees as advertised on January 12th 2022.
* 1x free card reader if you transact $2,500 in the first 6 months (after 6 months, either return the card reader or pay $29).

Ready to keep more of your money?

Start accepting payments in minutes. Get control, get freedom, get lopay. You’ve earned it.

lopay rewards and loyalty

You’ve got to love lopay loyalty cards

We’re all about making sure you get as much back as you can. And now we’re doing the same for your customers!

The lopay loyalty programme is simple, clear and interactive. You can’t lose anything (neither can your customers) and every reward is easy to redeem.

It’s simply a smarter, neater, more personal way of making sure your customers keep coming back.

Get more, give more with lopay loyalty.

Frequently asked questions

We work with many types of business, from sole traders to clubs, charities, and companies. If you want to take payments anywhere, anytime, lopay is here for you. Create QR codes for your customers to scan and pay in seconds or simply send an instant payment link over text, email, or social media. And if you still need one, we offer a free card reader too.

Please note: You can’t use lopay if you sell products and services that are either prohibited by the credit card network or violate laws in the countries where lopay operates. For more information please see our Restricted Businesses page.

lopay enables faster cashless transactions. 

Your customers can pay by Apple Pay or Google Pay in just two taps on their smartphone. Simply ask your customer to scan the QR code on your smartphone or a lopay Paypoint – or send a payment link via text, email, or social media. No need for a wallet and no app download. Your customer just needs a smartphone.

For contactless and chip & PIN card payments, we offer a free card reader. So that’s sorted too.

We charge a flat transaction fee that includes card network costs – and you choose when you receive your money:

  • 0.79%* per transaction for Weekly payouts (every Thursday)
  • 0.99%* per transaction for Next Day payouts (T+ 1 business day)
  • 1.79%* per transaction for Instant payouts (immediate, 7 days a week – including bank holidays)
*Fees apply to UK personal card payments only. AMEX, corporate & international card payments are 2.95% due to higher associated network fees.
Minimum payout is £1. And your first card reader is completely free if you transact $2,500 in the first 6 months.  
No set-up costs. No monthly subscription charges. No minimum term.
lopay SumUp Zettle Square
Transaction fee 0.79% / 0.99% / 1.79% 1.69% 1.75% 1.75%
Payout schedule Weekly / Next Day / Instant  1-3 days 1-2 days 1 day
Card reader cost 1st Free then £29 £29 £29 £19
Sources: Data taken from company websites for SumUp, Zettle, Square, as of December 2021

Yes! Just 3 steps and you can be taking payments in minutes:

  1. Download the lopay app from the AppStore here or the Play Store here.
  2. Enter your company and contact details to register. (You can now take up to $250 of payments before Step 3 if you like.)
  3. Connect your bank account and verify your identity to receive your payments.


Once registered, you can order a card reader or paypoint via the app – they typically take 3-5 business days to arrive.

You can ask us anything via the question mark icon in the app or refer to the step-by-step guides and FAQs in our Support Center.

Alternatively, get in touch with our Support Team via the web form below, [email protected], or 020 4571 4796. We’re here to help.


We’re here for you

You know how lopay is always working for you – but did you know our team is here to help you too? 

Opening hours

Monday to Friday, 9am to 5pm

Get in touch

Call us: +1 (000) 123-4567
Email: [email protected]


Find step-by step guides & FAQs here

Contact form

Easy to sign-up

Simply download the lopay app (on Android or iOS) and set your account up in minutes.

Customer support

Get live customer support via the mobile app. Or reach out via email or contact form.

No limits on transactions

Whether you’re a sole trader, an SME or a global corporation, there’s no limit on any transaction.

lopay is trusted by

payment loyalty
order pay