Join 50,000+ UK small businesses using Lopay to accept card payments at the lowest rates. From 0.79% + £0.10 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% + £0.10 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% + £0.10 | 1.99% + £0.25 | £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
"Switching to Lopay was the best decision for our cafe. The fees are so much lower than Square, and the free terminal saved us £299 upfront. Highly recommend!"
"Lopay's rates are unbeatable. I was paying 1.75% with my old processor, now I'm at 0.79%. The savings add up fast when you're doing 50+ transactions a day."
"The approval process was so quick! I was up and running in less than 24 hours. The dashboard is easy to use and the customer support is excellent."
Lopay charges from 0.79% + £0.10 per in-person transaction and 1.99% + £0.25 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 50,000+ 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