Join 30,000+ UK small businesses using Lopay to accept card payments at the lowest rates. From 0.79% flat per transaction with no monthly fees.
See how much you could save by switching to Lopay's low fees
Lopay provides a complete payment solution for UK small businesses
From 0.79% flat per transaction - save thousands compared to competitors
Get your money faster with automated next-business-day settlements
PCI DSS Level 1 certified with advanced fraud protection included
Get approved in minutes and start accepting payments within 24 hours
Get a free Smart Biz Terminal when you process £5,000+ per month
Accept payments in 135+ currencies with competitive FX rates
See why thousands of UK businesses are switching to Lopay
| Provider | In-Person | Online | Monthly Fee |
|---|---|---|---|
L Lopay Lowest | 0.79% flat | 0.79% flat | £0 |
S Square | 1.75% + £0.10 | 2.5% + £0.25 | £0 |
S Stripe | 1.5% + £0.20 | 1.5% + £0.20 | £0 |
P PayPal | 1.0% + £0.10 | 2.9% + £0.30 | £0 |
See what real business owners are saying about Lopay
"Originally used another provider at 1.69% and have reduced my fees to 0.79% by opting for a weekly payment. No problems so far accepting payments or having payments paid out."
"Switched to Lopay from another provider, already saved a significant amount in card charges. Not had any issues with loss of connection. Overall great service."
"I've been using the Lopay card reader for around three months now and I'm really happy with it. Setup was quick and straightforward, and it's been reliable day to day."
Lopay charges from 0.79% flat per in-person transaction and 0.79% flat for online transactions. There are no monthly fees, setup fees, or hidden charges.
Most merchant accounts are approved within minutes. Once approved, you can start accepting payments within 24 hours after receiving your card reader or setting up online payments.
No! Lopay operates on a month-to-month basis with no long-term contracts. You can cancel anytime with no penalties or cancellation fees.
Funds are automatically deposited to your bank account on the next business day. For example, Monday's sales are in your account by Tuesday morning.
Yes! When you process £5,000+ per month, you receive a free Smart Biz Terminal (worth £299). For lower volumes, terminals are available for a small one-time fee.
Absolutely! Lopay provides a complete payment solution including in-person terminals, online checkout, mobile payments, and invoicing - all from one account.
Join 30,000+ UK businesses using Lopay. Get approved in minutes and start accepting payments within 24 hours.
No setup fees • No monthly fees • No contracts • Cancel anytime