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
1.99% + 10c per transaction
All you need to start taking ad-hoc payments.
✔ Powerful & secure PCI-certified payments leveraging Stripe processing
✔ Unlimited team members
✔ Thursday payouts to your bank
✔ Expense & Rewards card to instantly access your money
✔ For every $100 spent on the card, you’ll pay no fees on $10 processed from customers
✔ No monthly fee
Standard
2.45% + 10c 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
✔ Flexible next-day, weekly or monthly scheduled payouts (Mon-Fri)
✔ Expense & Rewards card to instantly access your money
✔ For every $100 spent on the card, you’ll pay no fees on $50 processed from a customer
✔ 2x rewards on offers
✔ No monthly fee
Instant to bank
2.95% + 10c per transaction
Instant payouts anytime for growing businesses looking to maintain cash flow.
✔ Powerful & secure PCI-certified payments leveraging Stripe processing
✔ Unlimited team members
✔ Instant payouts to your bank 24/7
✔ Weekend payouts
✔ Bank holiday payouts
✔ 2x rewards on offers
✔ No monthly fee
* Fee applies to US 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
✔ 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
✔ Cart 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 Expense & Rewards 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 DoorDash, Walgreens, Walmart, Uber Eats and more
✔ Rewards for you and a friend when you refer them to Lopay. T&Cs apply.
✔ 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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✔ Guided in-app onboarding journey
✔ In-app, email and phone support
✔ Access to 60+ help articles
✔ Award-winning payment app
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TRANSACTION FEES
Essential Account: 1.99% + $0.10 per transaction for US consumer Visa & Mastercard transactions.
Standard Account: 2.19% + $0.10 per transaction for US 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: +$0.08 per transaction.
Xero invoicing: +0.29% + $0.10
ALL ACCOUNTS
✔ 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 monthly fees
✔ No PCI fees
✔ No fees when refunding customers
✔ 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 $4.99 postage & packaging for the first order. A 50% offer is applied only when ordered in-app.
Any further orders will cost $49 plus $4.99 postage & packaging.
✔ One-off device fee
✔ No monthly fees
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
Price comparison
2.60% + $0.10
per transaction
2.29% + $0.09
per transaction
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.
1.99% + $0.10
per transaction
2.75% + $0.00
per transaction
*Price comparison accurate as of 26th August 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 support@lopay.com or +1 320 377 3741. We’re here to help.
Choose from our easy ways to take payments
Wherever you are, Lopay keeps your payments rolling in.
Card reader
Take PIN and contactless payments on the go with an affordable, reliable, compact card reader.
✓ Compact Bluetooth card reader
✓ Handy for on-the-go payments
Upfront fee of $24 + $4.99 Postage & Packaging
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?
Take a look around the app to see what Lopay can do for your business!
Think your friend would love Lopay?
Refer a friend to Lopay and each get no fees on $1000 of transactions after signing up.
