The UK’s lowest cost, highest rated payment app.

Instant access to your money, free POS system and the free Lopay Visa Card!

Less than half the price of SumUp, Zettle & Square.

Join Lopay for as little as 0.79% and offset your fees to 0% via the free Visa card made for your business expenses.

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Lopay Expense & Rewards Card

Once you’ve set up your Essential or Standard account, you can get instant access to your money and earn rewards every time you spend. Add your card to your Apple Wallet and you won’t need to wait for a physical card.

Learn more Setting up Apple Pay

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Boost your business with Lopay

Discover why 1000s of businesses are switching to Lopay and making us the highest rated payment app on Trustpilot, Apple Store and Google Play.

Fast and secure
payments

Take payments with our Lopay Card Reader, Business Terminal or with Tap to Pay using just your phone. No matter how you want to take payments, we’ll keep your customers coming back for more.

Discover payment solutions

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Reduce your card processing fees to 0%

Start earning more with every sale. Take payments from just 0.79% with our Essential Account or spend via your Lopay Card to enjoy 0% processing fees and instant access to your funds. Lopay puts you in control.

Learn about pricing

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Instant access to the
money you earn

You shouldn’t have to wait to get your money. Instant, Next Day or Weekly, you decide. Our range of flexible payout schedules and our instant access Expense and Rewards card always keep you in control. Switch to a simple, flexible solution that grows with you.

Explore Account Types

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More than just payments

Whether you need a Point of Sale, Team management, Expense & Rewards card or Reports, or just want to take payments, we’ve got a whole host of features to help your business grow.

Discover Point of Sale

A barber using Lopay's POS system, with tools to take payments and manage their business in one place.

Award-winning technology you can rely on

Most Disruptive Payments Technology award

Best Merchant Acquirer or Processor award

Choose your device

Simply choose how you want to take payment and we’ll help you get set up and take payments in no time at all.

Tap to Pay

Turn your smartphone into a card reader for quick in-person payments.

✓ No hardware needed

✓ Available on iOS and Android

No upfront fee

No contract, no minimum term.

Transaction fees apply + 8p

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Card Reader

Take payments wherever your business takes you.

✓ Compact Bluetooth card reader

✓ Handy for on-the-go payments

Upfront fee of £35 + P&P*

No contract, no minimum term.

Transaction fees apply

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Business Terminal

A WiFi-enabled touchscreen device to take payments in style.

✓ Touchscreen device

✓ Take fast payments in style

£15 per month + P&P

12 month rental plan + auto-renewal.

Transaction fees apply

Explore Business Terminal

*£35 + P&P for your first card reader when ordered through the Lopay app. £49 via our online store or subsequent card readers.

Ready to give it a try?

The Lopay app is free to download, 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!