Transparent, flexible pricing
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.
Essential
0.79%* per transaction
All you need to start taking ad-hoc payments.
✔ Powerful & secure PCI-certified payments leveraging Stripe processing
✔ Unlimited team members
✔ Free POS features
✔ Free Thursday payouts to your bank
✔ Free Expense & Rewards card to instantly access your money
✔ 10% back on card spend in rewards
✔ No contract, no monthly fee
Standard
0.99%* per transaction
Instant access to earnings. Loved by small businesses looking to save more.
✔ Powerful & secure PCI-certified payments leveraging Stripe processing
✔ Unlimited team members
✔ Free POS features
✔ Free & flexible next-day, weekly or monthly scheduled payouts (Mon-Fri)
✔ Free Expense & Rewards card to instantly access your money
✔ 50% back on card spend in rewards
✔ 2x rewards on offers
✔ No contract, no monthly fee
Instant to bank
1.79%* per transaction
Instant payouts anytime for growing businesses looking to maintain cash flow.
✔ Powerful & secure PCI-certified payments leveraging Stripe processing
✔ Unlimited team members
✔ Free POS features
✔ Free instant payouts to your bank 24/7
✔ Free weekend payouts
✔ Free bank holiday payouts
✔ 2x rewards on offers
✔ No contract, no monthly fee
* Fee applies to UK consumer Visa & Mastercard payments. +1% for Amex, corporate & international card payments. See below for full fee breakdown and comparison to other providers.
Everything you need at your fingertips however, whenever, wherever you want to take payments.
Features available across all account types.
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✔ Chip & PIN via Card Reader or Business Terminal
✔ 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
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✔ Unlimited products on POS
✔ Collections and Grids
✔ Description, Tags, Variants and categorises
✔ No hardware required
✔ Searchable image library
✔ Inventory management
✔ Discounts (coming soon)
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✔ 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
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✔ Earn rewards and reduce the transaction fees you pay
✔ Rewards for Lopay Rewards & Expense 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 Sainsbury’s, B&Q, Just Eat and more
✔ Rewards for you and a friend when you refer them to Lopay. T&Cs apply.
✔ Stamp card payment-linked loyalty coming soon on Business Terminal
✔ Track rewards, view savings and discover more ways to earn rewards and save in-app
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✔ 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
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✔ UK Based friendly support
✔ Guided in-app onboarding journey
✔ In-app, email and phone support
✔ Access to 60+ help articles
✔ Highest rated UK payment app
✔ Award-winning payment app
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TRANSACTION FEES
Essential Account: 0.79% per transaction for UK consumer Visa & Mastercard transactions.
Standard Account: 0.99% per transaction for UK 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: +8p per transaction.
Xero invoicing: +0.29% + 10p.
Payment Links & Subscriptions: 1.79% fee (minimum charge of £0.50 per payout).
NO HIDDEN FEES
✔ No setup fees
✔ 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 lock-in contracts
✔ No monthly fees
✔ No PCI fees
✔ No fees when refunding customers
✔ No authorisation fees
✔ No monthly minimums or charges
EXPENSE CARD FEES
✔ No setup fee
✔ No monthly fee
✔ Free virtual card
✔ £4.99 admin fee for Physical card delivery
DEVICES
£24 plus £6.95 P&P for the first order. A 50% offer is applied only when ordered in-app.
Any further orders will cost £49 plus P&P.
✔ One-off device fee
✔ No contract
✔ No monthly fees
✔ No setup fees
New: Business Terminal
£15 per month, per device
£8.95 secure delivery
12-month contract (then rolling per month)
✔ No setup fees
✔ No upfront fee
REWARDS
No matter your Account type, you can reduce your fees with Lopay Rewards.
You can earn Rewards in multiple ways, such as:
Spending with the Lopay Expense & Reward card
Purchasing partner offers through Lopay
Referring a friend to Lopay
Less than half the price of SumUp, Dojo, Square and Zettle
Give us a try today contract-free and avoid the pesky hidden fees of other providers. With Lopay there’s no contract, no monthly fee and no setup costs.
0.79%
per transaction
1.69%
per transaction
1.4% + 5p
per transaction
1.75%
per transaction
1.75%
per transaction
Discover how we can accelerate your business beyond the competition
See how much you could save.
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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
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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
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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
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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.
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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
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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
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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
Start taking superfast payments and keeping more of your earnings today. It’s quick and easy to set up. Simply download the app to get started.
Data accurate as of 30 May 2024.
Always get full transparency on fees
If anything’s not 100% clear, just get in touch and we’d be happy to help
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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.
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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.
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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.
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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 020 4571 4796. We’re here to help.
Choose from our easy ways to take payments
Wherever you are, Lopay keeps your payments rolling in.
Business Terminal
Enhance your professional image and shorten wait times with an all-in-one, WiFi-based terminal.
✓ Touchscreen device
✓ Take fast countertop payments in style
£15 per month + P&P
12 month rental plan + auto-renewal.
Instantly access your money and get rewarded
Spend smarter, save more
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).
Ready to give it a try?
Lopay is free to download, with 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!
Think your mate would love Lopay?
Refer a friend to Lopay and each get no fees on £1000 of transactions after signing up.
