Business owner presenting a card reader for a £100 contactless payment, with the lopay android and ios app open on a tablet.

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

Lopay gives you more control, more rewards, and instant access to the money you earn.

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

Join Lopay for as little as 0.79% and enjoy award-winning technology for your business.

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.

Customer making a contactless payment using Apple Pay on an iPhone for a purchase at an outdoor market stall, showcasing the ease of android and iphone ios tap to pay technology on Lopay with a displayed amount of £17.25, illustrating a smart, cashle

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.

iPhone Android display of Lopay ios payment app of a £54 payment made via card reader, indicating a transaction for taxi driver.

Take payments for just 0.79%

Start earning more with every sale you make. Save with the lowest fees on the market and get instant access to your money from just 0.79% with our Essential Account and upgrade for more rewards, more flexibility and faster payouts.

Smartphone screen showing a £203.49 balance on Lopay app for ios and android from contactless payments, with a prompt to withdraw to a bank account.

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.

Smartphone displaying Lopay POS available on android and ios with items, aiding efficient inventory and sales tracking.

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.

Award-winning technology you can rely on

Logo of the UK Business Tech Awards, showcasing the innovation in the British technology sector winner Lopay.
2022 Payments Awards badge indicating Lopay android and ios app as shortlisted for excellence in payment solutions.
Award for Lopay best mobile payments android ios app of the year.
Award for Lopay payment processor of the year.
Award for Lopay payment technology of the year.
Award for Lopay best mobile payments android ios app of the year. Best Tech app recognition.
Award for Lopay 2022 Shortlisted Best Merchant Acquirer or Processor.
Award for Lopay fintech innovator android ios app of the year.
Silver Award Winner Most Impressive Growth 2022
Award for Lopay tech company android ios app of the year.

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.

Logos for Google Pay, Apple Pay, Visa, Master card and Amex showing supported payment methods of Lopay.

Card Reader

Take payments wherever your business takes you.

✓ Compact Bluetooth card reader

✓ Handy for on-the-go payments

Upfront fee of £24 + P&P*

No contract, no minimum term.

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.

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.

*£24 + P&P for your first card reader when ordered through the Lopay app. £49 via our online store or subsequent card readers.

iphone android showing a completed Visa contactless payment via lopay android ios app with confirmation checkmark.

The Lopay 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.

  • As independent entrepreneurs and small business owners, you shouldn’t be shackled to a payday. With the Lopay Expense & Rewards card, we give you instant access to your money to help with all those pesky, unexpected expenses.

  • Add receipts, categories and notes to any payment you make.

  • Every time you use our Expense & Rewards Card, we’ll reduce the fees you pay on customer transactions! So, spend £100 on the Expense & Rewards Card, and you’ll get no fees on the next £50 of transactions when on the Standard Account or £10 if you’re 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!