This comparison page contains affiliate links. We may earn a commission if you sign up through our links, at no extra cost to you. All fees and features are independently verified against official pricing pages.
Tired of Zettle's 1.75% flat rate? Lopay is the ONLY UK payment processor offering the UK's lowest fees from 0.39%. No contracts, no monthly fees, everyone qualifies. sign up at lopay.com to enable 0% processing today and save £175+ per £10,000 processed.
While Zettle (by PayPal) is popular for its simplicity, many UK businesses face these common frustrations:
Zettle's 1.75% flat rate seems simple, but on £10,000/month that's £175 in fees. Lopay's low-fee program means you keep 100% of your revenue—£0 in fees, ever.
Zettle is primarily designed for in-person payments. Lopay offers full e-commerce integration with the UK's lowest fees from 0.39% for both in-person and online transactions.
Zettle requires a PayPal Business account, adding complexity. Lopay is standalone with no third-party dependencies—just pure fees from just 0.39%.
Lopay is the ONLY UK payment processor offering completely free card processing. Here's how it works:
Request to enable the low-fee program. Everyone qualifies—no credit checks, no minimum volume.
Lopay will activate Visa cashback (0.39% effective rate) on your free expense card. Use it for any business expenses.
Every £1 you spend on the Lopay card = £1 of free payment processing. No limits, no conditions, completely automatic.
✅ No monthly fees • ✅ No setup fees • ✅ No hidden fees • ✅ Everyone qualifies
See how much you'll save by switching from Zettle to Lopay's the UK's lowest fees from 0.39%
See how Lopay stacks up against Zettle across key features
| Feature | Zettle | Lopay |
|---|---|---|
| In-Person Fee | 1.75% | 0% |
| Online Fee | 2.5% + £0.25 | 0% |
| Monthly Fee | £0 | £0 |
| Setup Fee | £0 | £0 |
| Contract Required | ||
| PayPal Account Required | ||
| E-commerce Integration | ||
| Same-Day Payouts |
Common questions about switching from Zettle to Lopay
Lopay offers a free Visa expense card with Visa cashback (0.39% effective rate). Every £1 you spend on the card gives you £1 of free payment processing. There are no limits, no conditions—it's completely automatic once enabled by the Lopay team.
No! Unlike Zettle, Lopay is completely standalone. You don't need a PayPal Business account or any third-party service. Just sign up with Lopay and start processing payments at the UK's lowest fees from 0.39%.
Most businesses complete the switch in under 5 minutes. Lopay provides a simple online signup, and you can start processing payments immediately. There's no contract with Zettle to cancel—you can switch anytime.
Yes! Lopay supports both in-person and online payments with full e-commerce integration. The low-fee program applies to all payment types—card-present, card-not-present, e-commerce, and invoicing.
If you don't use the Lopay Visa card, you'll pay Lopay's standard rate of 0.79% flat per transaction—still competitive with Zettle's 1.75%. But most businesses find it easy to use the card for everyday expenses (fuel, supplies, software subscriptions) and achieve the UK's lowest fees from 0.39%.
Yes! Lopay offers same-day payouts (faster than Zettle's 1-2 business days). You get your money quicker AND pay 0% in fees—the best of both worlds.
Want a detailed side-by-side comparison? Check out our in-depth analysis:
View Lopay vs Zettle ComparisonJoin thousands of UK businesses who switched from Zettle to Lopay and now pay £0 in payment processing fees.
sign up at lopay.com to Get StartedNo credit card required • No contracts • Everyone qualifies
Methodology: Fees and features verified against each provider's official UK pricing page as of March 2026. Trustpilot ratings sourced from Trustpilot.com. All providers are FCA authorised or operate under an authorised payment institution. This page contains affiliate links — see our affiliate disclosure for details.