Get your cash flowing
Lopay's simple, low-fee payment solution gives service businesses and sole traders more control over their money.
Get Started
Get your cash flowing
Lopay's simple, low-fee payment solution gives service businesses and sole traders more control over their money.
Lopay
0.79%
SumUp
1.69%
myPOS
1.68%*
Square
1.75%
*Effective rate based on an average fare of £12 (1.10% + £0.07 per transaction), rate varies with transaction value.
All rates, fees, and competitor pricing information shown were accurate at the time of publication (June 2026). Competitor pricing may change without notice.
Reduce fees to 0% when you use your Zero card for expenses
Every time you spend money on expenses, you could be eliminating your card fees. For every £1 you spend using the Lopay Zero card on fuel, tools, or supplies, we process £1 of your fares for exactly 0%. Your necessary daily expenses actively wipe out your processing costs.
Join thousands of other service professionals praising Lopay
Vasile Pop, Apr 21, 2026
The best POS which I ever used
This is the best POS which I ever used. Is very easy, very fast and the app of LOPAY is very simple and reliable. I never had issues with the payments...
Antony Di Cesare, Apr 15, 2026
Nice and easy to use
Nice and easy to use, option of when payouts recieved, and great rates.
Caitlan, Apr 15, 2026
Highly recommend
I came from sumup, lopay has the lowest transaction fee that I know of and have always had good customer service, friendly. Cannot fault them...
Ellie, Nov 26, 2025
Its low upfront cost
Its low upfront cost, lack of monthly fees, flexible options and user-friendly setup make it especially attractive to small-scale users or businesses just starting...
Andrew, Apr 21, 2026
Very reliable service…
Very reliable service very professional Lopay is the way forward 100% recommend 👍🏻
Dany Hancock, Oct 8, 2025
So easy to use
So easy to use, cheap fees. Would definitely recommend!
Charlotte, Nov 26, 2026
So easy to use
So easy to use, setup was faltless, and the option to borrow is a great addition, it helped me set up my new salon with ease, thank you.
AMY Husbands, Nov 4, 2025
Good
Good card machines! Instant withdrawal, always getting fee free payments just, good incentives for inviting friends to join, for great all round. Definitely recommend
Vasile Pop, Apr 21, 2026
The best POS which I ever used
This is the best POS which I ever used. Is very easy, very fast and the app of LOPAY is very simple and reliable. I never had issues with the payments...
Antony Di Cesare, Apr 15, 2026
Nice and easy to use
Nice and easy to use, option of when payouts recieved, and great rates.
Caitlan, Apr 15, 2026
Highly recommend
I came from sumup, lopay has the lowest transaction fee that I know of and have always had good customer service, friendly. Cannot fault them...
Ellie, Nov 26, 2025
Its low upfront cost
Its low upfront cost, lack of monthly fees, flexible options and user-friendly setup make it especially attractive to small-scale users or businesses just starting...
Earn more on every job
No more confusing fees or high percentages! Keep more of your cash with our industry leading 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.
Instant Cash Advance for unexpected costs
A sudden garage bill could take your van off the road at the worst possible time. With Lopay, eligible sole traders and service professionals can access a cash advance through the app. No long forms. No separate bank transfer. Receive funds, and repay through future Lopay takings.
Accept every payment, effortlessly
Tap to Pay
Turn your smartphone into a card reader for quick in-person payments.
No upfront fee
No contract, no minimum term.
Transaction fees apply + 8p
Card Reader
Take PIN and contactless payments on the go with a reliable card reader.
Upfront fee of £35 + P&P
No contract, no minimum term.
Transaction fees apply
Cash payments
Send links via text, WhatsApp or email to quickly & securely take payments.
No upfront fee
No contract, no minimum term.
Transaction fee +0.49%
Everything you need to drive better payments and grow your business
Smart tipping
Boost your chances of getting a tip with Lopay. Smart tipping automatically prompts passengers to tip an appropriate amount.
Financial reports
Spend less time worrying about cash flow. Get an instant overview of your finances with easy-to-understand sales reports.
Smart receipts
Send instant email & SMS receipts with your logo for a professional touch. Improve your service reputation by using the promotional field* to encourage reviews or link to your preferred site.
Accounting tools
Seamlessly track all transactions and make bookkeeping a dream with automatic sync to Quickbooks & Xero.
Choose from multiple ways to get paid, fast
Whether it's Chip & PIN, contactless, cash, Apple Pay, Google Pay or NFC wearables, we've got you covered.
Tap to Pay
Turn your smartphone into a card reader for quick in-person payments.
No upfront fee
No contract, no minimum term.
Transaction fees apply + 8p
Card Reader
Take PIN and contactless payments on the go with a reliable card reader.
Upfront fee of £35 + P&P
No contract, no minimum term.
Transaction fees apply
Payment Links
Send links via text, WhatsApp or email to quickly & securely take payments.
No upfront fee
No contract, no minimum term.
Transaction fee + 0.49%
Stay on top of your business and help your business grow
Smart tipping
Boost your chances of getting a tip with Lopay. Smart tipping automatically prompts customers to tip an appropriate amount.
Financial reports
Spend less time worrying about cash flow. Get an instant overview of your finances with easy-to-understand sales reports.
Accounting tools
Lopay leverages Stripe payments which handled $1 trillion in total payment volume in 2023 and is PCI compliant, ensuring safe transactions.
Smart receipts
Send instant email & SMS receipts with your logo for a professional touch. Improve your service reputation by using the promotional field to encourage reviews or link to your preferred site.
Secure Payments, Powered by Stripe that Provides Payments and E-money Services Under its UK FCA Authorisation
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.
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!
