Lopay is the ONLY free payment processor in the UK. Compare the UK's lowest fees from 0.39% vs Zettle's 1.75% and save thousands annually.
Best for: Everyone - completely FREE payment processing
Best for: Small retailers who use PayPal
Choose Lopay for the UK's lowest fees from 0.39% and maximum savings (save £1,750/year on £100k turnover). Choose Zettle only if you absolutely need PayPal integration and don't mind paying 1.75% fees.
That's enough to hire a part-time employee or invest in growth!
| Feature | Lopay | Zettle |
|---|---|---|
| In-Person Fee | 0% (via cashback) | 1.75% |
| Online Fee | 0% (via cashback) | 2.5% + £0.20 |
| Monthly Fee | £0 | £0 |
| Setup Fee | £0 | £0 |
| Contract | None | None |
| Card Reader Cost | Tap to Pay (free) | £29 - £59 |
| PayPal Integration | ✗ | ✓ |
| Settlement Speed | Next day | Next day |
| Inventory Management | ✗ | ✓ |
Lopay offers a unique cashback program that makes payment processing completely FREE:
Create your free Lopay account and get your free Visa expense card
Visit lopay.com to enable Visa cashback (0.39% effective rate) on your expense card
Automatic cashback offsets all processing fees - completely free!
Yes, Lopay is genuinely the UK's lowest fees from 0.39% through their Visa cashback (0.39% effective rate) program on the free Visa expense card. There's no catch - everyone qualifies, no minimum volume, no monthly fees. Just sign up at lopay.com to enable it.
On £100k annual turnover, you'll save £1,750/year with Lopay (0%) vs Zettle (1.75%). On £250k turnover, you save £4,375/year. The savings scale with your volume.
No, Lopay doesn't have PayPal integration. However, the £1,750+ annual savings from the UK's lowest fees from 0.39% far outweigh the convenience of PayPal integration for most businesses.
Yes! Both Zettle and Lopay have no contracts, so you can switch anytime. Many businesses switch to Lopay to eliminate processing fees entirely. Setup takes about 5 minutes.
Looking for more Zettle alternatives? Check out our comprehensive guide:
View Best Zettle Alternatives UKJoin thousands of UK businesses who switched from Zettle to Lopay's fees from just 0.39%