Leading payment processor in Europe

Newest POS
in the US

Try us with 0% fees now
— Built for your business success.

Excellent

Trusted by over 50,000 businesses.

Which device works best for you?

50% off

New Customer Special Deal!

Bluetooth Card Reader

$49$24

Your compact, wireless solution for fast and secure payments. Pairs with the Lopay app on your smartphone or tablet.

Compatible with

Tap to Pay

FREE

Turn your smartphone into a card reader for quick in-person payments.

50% off

New Customer Special Deal!

Bluetooth Card Reader

$49$24

Your compact, wireless solution for fast and secure payments. Pairs with the Lopay app on your smartphone or tablet.

Compatible with

Business Terminal

$299.99

Supercharge your business with our sleek and intuitive touch-screen device.

The lowest fees
in the market

Cut costs, not corners! Switch to Lopay to get the lowest transaction fees, starting at just 1.99%.

Provider

Transaction Rate

Annual cost

1.99%

$239

2.6%

$312

2.29%

$275

2.6%

$491

2.6%

$1,020

2.65%

$318

Annual cost based on $1,000 processed each month.

Accept payments like the world's leading brands

Instant access to your money

Don't wait until payday, with your Lopay Expense & Rewards card, you have immediate and complete freedom to access your money at any time.

Monthly fee

Account setup

Zero

Contracts

Want to get fee-free transactions? Get rewarded with 0% fees with your Lopay Expense & Rewards Card.

The highest-rated
payment app

23,915 Reviews - Great

886 Reviews - Excellent

4,950 Reviews - Average

If this sounds too good to be true, take a look at what our customers say about us.

Mr Gribben

No problems using Lopay. Best rate on the market and ability to gain rewards by referring others.

Anna

Best affordable rates. Using over a year now and recommended to all my friends.

Naomi H.

This is a great app. Particularly like that I can use my phone as a card reader.

Akmal

Easy to accept payments and withdraw your money from Lopay. Would definitely recommend.

Celebrated for innovation: Technology you can count on

Doubts?Check out our FAQs.

Is Lopay really powered by Stripe?

Yes! Lopay is backed by Stripe, one of the world's most trusted payment processors. This means you get the reliability, security, and speed of a global payment network while enjoying Lopay’s ultra-low fees and business-friendly features.

What type of payment device can I get with Lopay?

Lopay offers multiple ways to take payments:

- Tap to Pay: Accept contactless payments directly on your phone.
- M2 Bluetooth Card Reader: A compact, portable reader for chip and contactless payments.
- Business Terminal: A standalone POS device for fast, professional transactions.

Choose the option that best fits your business needs!

Is the Lopay app free?

Yes, the Lopay app is completely free to download, and there are no contracts, commitments, or monthly fees when you sign up.

What is the transaction fee for Lopay?

The Lopay Essential account charges 1.99% + 10¢ per transaction—the lowest on the market! However, you can get zero fees on transactions by using your Lopay Expense & Rewards Card.

Does Lopay work for all types of businesses?

Absolutely! Whether you’re a freelancer, a small business owner, or run a larger operation, Lopay provides flexible payment solutions to fit your needs.

How quickly can I access my funds after a transaction?

Lopay provides instant access to your earnings with the Lopay Expense & and Rewards Card so you can get paid without delays. No waiting for bank transfers; your money is available right away!

Does Lopay support tipping?

Definitely! You can enable tipping in the Lopay app, allowing customers to add a gratuity when they pay.

Can I accept payments without a card reader or terminal?

Yes! Lopay offers different ways to get paid without a physical device:

- Payment Links, Subscription Links, and QR codes: Easily accept remote or recurring payments.
- Cash payments: Calculate change and record transactions in your Lopay account, with no fees on cash payments.