Lopay

Lopay is the payment app helping small businesses keep more of the money they earn.

No contract and the 0.79% all-in rate can be offset to 0% with use of the free Expense Card.

+instant payouts, free POS software, team accounts, loyalty, & much more!

25/08/2026

Your queue isn't slow because your staff are slow.

It's slow because they're juggling two or more apps to take one payment.

Tot up the transaction in the EPOS. Open the card reader to punch in the total and take payment. Repeat 200 times a day.

That's a hidden time-tax on every transaction - and customers feel every second of it.

Integrated EPOS and payment kills the friction. Products and payments in one flow. Take the checkout to the customer instead of making them queue for the till.
One device. One tap. Done.

No setup fees. No monthly POS subscription. Use our smart payment terminals or the phone already in your pocket.

18/08/2026

How much did your last no-show cost you?

Most salon owners can answer that instantly. Far fewer can tell you what they're paying to take a card payment.

The legacy providers sit between 1.69% and 1.75%. On £8,000 a month in takings, 1.75% works out at £1,680 a year.

Lopay's next-day rate is 0.99%. Same takings, £950.40. That's £729 a year saved, or £922 on weekly payouts at 0.79%.

And the no-shows? Send payment links via WhatsApp, SMS or Instagram DM the moment someone books. Client taps, pays with Apple Pay or their card, deposit taken before the appointment exists.

Booth renters take payments on their own phones. Separate reporting per stylist, no access to salon payouts.

https://lopay.com/en-gb/insights/card-payments-for-hair-beauty-salons-how-to-cut-processing-fees-manage-booth-renters-stop-no-shows

17/08/2026

The contract was supposed to protect you. Instead it locked you in for three years, while the fees on your statement quietly multiplied 👀

Most payment providers make their money by tying you down. Hidden charges. Expensive hardware you can't walk away from. Monthly minimums that punish you for having a quiet season.

We do it differently ✌️

❌ No contracts
❌ No ghost fees
❌ No paywalls on the tools you need to actually run the shop
✅ Hardware that scales with your business, not the other way round
✅ Payouts on your schedule, weekly, next-day or instant

The kind of payment setup independents pick when they've decided to do it properly.

Take control of your payments. Start saving with Lopay today.

https://lopay.com/en-gb/insights/how-lopay-helps-smb-businesses-keep-more-of-every-sale

05/08/2026

Flat-rate pricing sounds fair. One number, no small print.

What it means in practice is that nothing you do changes what you pay. Quiet month, busy month, same percentage. Wait a week for your money or take it next day, same percentage.

Zettle charges 1.75% on in-person payments. On £15,000 a month in card sales, that's £262.50 in fees.

Lopay's next-day tier is 0.99%. Same sales, £148.50 in fees.

That's £1,368 a year saved. Move to weekly payouts at 0.79% and you save £1,728.

Full comparison here: https://lopay.com/en-gb/insights/zettle-alternatives-for-small-businesses-why-merchants-are-switching-to-lopay

30/07/2026

Think you’re comparing payment providers by percentage?

You might actually be comparing the wrong thing.

When you’re sending payment links or taking deposits, a fixed fee on every transaction can make a big difference.

Here’s one example:

• £15 payment with Square: 46p
• £15 payment with Lopay: 22p

At first glance, Square’s 1.4% looks cheaper than Lopay’s 1.48%.

But once the 25p fixed fee is added, the actual cost is more than double.

The difference gets smaller on larger payments, but if you regularly take deposits, call-out fees or smaller invoices, those extra pennies soon add up.

Before choosing a payment provider, look at what you’ll actually pay, not just the headline rate.

https://lopay.com/en-gb/insights/square-vs-lopay-the-cheaper-option-when-taking-deposits-and-payment-links

28/07/2026

"
The Lopay Zero Card turns everyday business spend into fee-free processing.

Fuel. Stock. Supplies. Repairs. The spend that was leaving anyway, now working twice.

Here's how it works:

✅ Order the Zero Card in the Lopay app
✅ Pay for business costs with it, anywhere Visa is accepted
✅ Every £1 you spend earns £1 of fee-free card processing
✅ No monthly fees, no interest, no application form

Set up in minutes. Fees down from day one.

https://lopay.com

24/07/2026

Who's Lopay for?

Everyone.

Someone taking their first card payment on their phone. A café with a team of six. A driver clocking up weekend fares. A market trader on Saturdays. A growing shop that needs a counter setup.

Whatever the stage, we have a setup:

✅ Card payments from 0.79%
✅ Take payments on your phone with Tap to Pay
✅ Card reader or Business Terminal when you need one
✅ Free EPOS with unlimited staff logins
✅ Instant payouts, Payment Links and cash advances
✅ Xero and QuickBooks integration

One app. No contracts. No monthly fees.

Whatever stage. Whatever setup. Whatever's next.

https://lopay.com/en-gb

21/07/2026

Lopay makes taking card payments simpler than it's ever been.

One app. One rate. No contracts. No hidden charges. No monthly fees.

Here's what you get:

• Card payments from 0.79%
• Separate card reader only £35 via Lopay app
• Turn your mobile into payment device with Tap to Pay
• Weekly, next-day or instant payouts
• Xero and QuickBooks integration
• Highest-rated payment app on Trustpilot

Over 40,000 UK small businesses already have.

Start taking payments the simple way.
https://lopay.com

16/07/2026

Taking on trade jobs without a deposit? Yes? You become the bank - every time.

You buy the materials. You cover the parts. You turn up. Meanwhile the client's money sits in their account until the work is done.

Lopay Payment Links change that. Set the deposit. Send by WhatsApp, SMS or email. Client pays on their phone. You lock in the job before spending a penny.

Built for independents doing it properly 💜

https://lopay.com/en-gb/insights/how-to-take-upfront-deposits-for-trade-jobs-securing-cash-flow-with-payment-links

08/07/2026

22p. That's the difference in card fees between Lopay and SumUp on a £25 taxi fare.

Doesn't sound like much until you run the numbers 👀

100 fares a week at £25 each is a realistic week for a lot of UK taxi drivers.

SumUp: £42 a week in fees Lopay: £20 a week in fees

Over £1,100 a year, back in your pocket ✌️

For drivers already working around fuel, insurance and thin margins, that's real money.

Plus there's a way to bring that fee down to 0% using money you're already spending on fuel. And fast cash advances for slow weeks or surprise bills. No waiting on a bank

Full breakdown, including how to get your rate to 0%

https://lopay.com/en-gb/insights/the-best-sumup-alternative-for-taxi-drivers-how-to-halve-your-card-fees-instantly

Address

London

Telephone

+442045714796

Website

https://lopay.com/

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