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!

01/06/2026

Every business is a stack of decisions. The ones customers see, and the ones they don't.

Nobody walks in and compliments your payment provider. But it's running in the background of every sale, every day, taking a cut of every transaction and deciding when you actually see the money.

Which is why the one you pick matters more than it looks like it does.

Lopay. Rates from 0.79%. Funds available the day you earn them. A Rewards Card that turns everyday business spend into a discount on processing fees.

The quiet decisions are still decisions.

What's your payment provider costing you?

https://lopay.com/en-gb

22/05/2026

Picture this: You’ve got a queue out the door, you ring up a big order, and your card reader just flashes "Connecting..." forever.

Whether you're dealing with thick concrete walls in a basement bar, or trading in a muddy festival field where the public network has crashed, relying on a single Wi-Fi connection is a massive risk.

Don't let a bad router cost you a great shift. We've just introduced the S710 handheld smart terminal, now with cellular connectivity, so you can take payments anywhere, anytime.

Read our latest guide on how to build a fail-proof payment setup:
https://lopay.com/en-gb/insights/the-connection-crisis-why-mobile-merchants-and-busy-venues-need-cellular-payment-backup

15/05/2026

A £60 table walks out because your card reader won't connect. Happens five times on a Saturday lunch shift and that's £300 gone before the rush is finished 👀

A broken card machine isn't a glitch. It's a total stop on trading. And it almost always happens when you're at your busiest.
The fix isn't buying more hardware. It's removing the single point of failure ✌️

✅ Business Terminal at the counter for everyday sales
✅ Card reader charged and ready for peak-time queue busting
✅ Tap to Pay set up on the manager's phone as the always-on backup
✅ No contract penalties for running more than one device

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

https://lopay.com/en-gb/insights/how-to-build-a-payment-setup-that-never-leaves-you-unable-to-trade?utm_source=Facebook&utm_campaign=Wk04&utm_id=Post02

13/05/2026

The biggest problem for most growing businesses isn't customers. It's timing 👀

Record month of sales. Supplier invoices due before the card payments clear. You hit a gap.

The high street bank wants weeks of paperwork, a credit check, and a fixed monthly repayment that doesn't care if you had a quiet Tuesday.

A Merchant Cash Advance works differently:

✅ Approved on your card trading, not just your credit file
✅ Funding often in 24 to 48 hours
✅ Repayments are a small slice of daily sales, busy day pays back more, quiet day pays back less
✅ One flat fee agreed upfront, no compounding interest, no late charges

The funding setup independents pick when they've decided to do it properly

https://lopay.com/en-gb/insights/how-to-bridge-short-term-cash-gaps-without-slowing-the-business-2?utm_source=Facebook&utm_campaign=Wk04&utm_id=Post01

07/05/2026

The card beeps approved in seconds. Then your money sits in a settlement window for the next two days 👀

For a corporation, that's an accounting footnote. For a sole trader, a market stall, an independent shop, it's the supplier deal you couldn't take, the emergency repair you couldn't cover, the Saturday stock you couldn't buy with Friday's takings.

We closed the gap:

✅ Funds land in your Lopay balance the second the customer pays
✅ Spend straight away with the Lopay Expense & Rewards Card, online or in-store
✅ Or push an instant payout to your bank whenever you want it
✅ Every card spend on business costs earns you fee-free processing credits

The cash flow setup independents pick when they've decided to do it properly

https://lopay.com/en-gb/insights/small-business-cash-flow-the-power-of-instant-access-to-card-takings?utm_source=Facebook&utm_campaign=Wk03&utm_id=Post01

05/05/2026

Your EPOS isn't just a screen. It decides how your team takes an order, moves through a busy room, and cashes up at the end of the shift.

Countertop is the anchor. A clear home base for the queue, with the screen space and peripherals you'd expect.

Handheld is the floor. Order and payment taken where the customer is, not back at the till.

Most businesses end up wanting both. The problem? Most providers charge you extra for every device you add, every licence, every staff login.

We don't ✌️

✅ Countertop and handheld on one account
✅ Sales, stock and reports synced live across every device
✅ No per-device fees, no per-seat charges, no premium paywall

The setup independents pick when they've decided to do it properly Link in bio: Ready to upgrade your setup? Get started with Lopay today.

Ready to upgrade your setup? Get started with Lopay today.

https://lopay.com/en-gb/insights/handheld-vs-countertop-epos-which-is-right-for-your-business?utm_source=Facebook&utm_campaign=Wk02&utm_id=Post02

30/04/2026

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.

23/04/2026

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.

20/04/2026

You've had a great week. Sales are up. Momentum's building.

Then you hit a wall. Not because the business isn't working, but because the cash hasn't caught up yet.

That's not a business problem. That's a timing problem.

Lopay's cash advance gives you a lump sum based on your trading history. One fixed fee agreed upfront. Repayments come out automatically as a percentage of your weekly takings, so they flex with how your business is actually doing.

No bank queue. No fixed monthly repayments. No surprises.

If there's a gap between where your business is and where it could be, it's worth a look.

https://lopay.com/en-gb/insights/how-to-bridge-short-term-cash-gaps-without-slowing-the-business

02/04/2026

Your card reader will eventually have a bad day.

Battery dies mid-queue. The screen freezes during a rush. Connectivity drops at the worst possible moment.

If your reader is your only way to take card payments, that's sales walking out the door.

With Lopay, your phone is already a backup. Tap to Pay is built into every account. Customers tap their card or phone against yours, and the payment goes through.

Takes about two minutes to set up. Worth doing now rather than finding out you need it on a Saturday afternoon.

https://lopay.com/en-gb/insights/card-machine-stopped-working-how-to-keep-taking-payments

Address

London

Telephone

+442045714796

Website

https://lopay.com/

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