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SPECIFICTION
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Lopay

lopay.com

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Spec score 7.9 #8 of 27 in Mobile Payment Processing Software

What it is

Lopay provides businesses with tools to accept in-person payments, collect money through payment links, and use point-of-sale features. Its listed payment methods include chip and PIN, contactless and wallet payments, NFC and wearables, Tap to Pay, subscriptions, donations, QR codes, invoicing, and refunds. The point-of-sale feature lets merchants organize products, manage stock, and check out on a smartphone or tablet. Payment links can collect deposits or payment for remote services, as one-time or recurring charges. Lopay documents integrations with Xero and QuickBooks, and its payment page describes adding payment links to Intuit invoices. A Lopay account can connect to one Xero organization; daily syncing requires a supported Xero plan and excludes Ignite and lower or free plans. Tap to Pay requires an iPhone XS or later running iOS 16.4 or later, or Android 10 or later with NFC enabled. Lopay lists in-app, email, and phone support, guided onboarding, and more than 60 help articles. Its three listed plans have no monthly fee.

Spec sheet

Product
Lopay provides payment tools for businesses, including in-person payments, payment links, and point-of-sale features.Read 4 Oct 2026 · lopay.com
Integrations
Lopay’s help center documents integrations with Xero and QuickBooks; its payment page also describes adding Lopay payment links to Intuit invoices.Read 4 Oct 2026 · support.lopay.com
Security
Lopay states that it is PCI DSS compliant and that payment data is encrypted and tokenized, with compliance independently verified by an accredited third-party assessor.Read 4 Oct 2026 · lopay.com
Support
Lopay lists in-app, email, and phone support, guided in-app onboarding, and access to more than 60 help articles.Read 4 Oct 2026 · lopay.com
Founded
2022Read 28 Sep 2026 · lopay.com
Company launch
Lopay says it launched in January 2022.Read 4 Oct 2026 · lopay.com
Hardware fees
The US site lists a $35 upfront price plus shipping for a card reader and $299 plus shipping for a business terminal.Read 4 Oct 2026 · lopay.com
Payment links
Lopay payment links can be sent to customers for deposits or remote services, and may be one-time or recurring.Read 4 Oct 2026 · lopay.com
Payment methods
Its pricing page lists chip and PIN, contactless and wallet payments, NFC and wearables, Tap to Pay, payment links, subscriptions, donations, QR codes, invoicing, and refunds.Read 4 Oct 2026 · lopay.com
POS
The point-of-sale feature lets merchants organize products, manage stock, and check out using a smartphone or tablet.Read 4 Oct 2026 · lopay.com
Tap to Pay requirements
Tap to Pay requires an iPhone XS or later running iOS 16.4 or later, or an Android device running Android 10 or later with NFC enabled.Read 4 Oct 2026 · lopay.com
Target customers
Lopay says it serves business owners, sole traders, entrepreneurs, side hustlers, and businesses including taxi drivers, barbers, pet groomers, builders, market traders, and dry cleaners.Read 4 Oct 2026 · lopay.com
Xero limitation
Lopay’s Xero integration supports one Xero organization per Lopay account, and its daily sync requires a supported Xero plan; Ignite and lower or free plans are not supported for daily syncing.Read 4 Oct 2026 · support.lopay.com

Plans and prices

Essential Free No monthly fee · unlimited team members · Thursday payouts to bank · $10 in processing fees waived per $100 spent on card Read 4 Oct 2026 · lopay.com
Instant to bank Free No monthly fee · unlimited team members · instant bank payouts 24/7 · weekend and bank holiday payouts · 2x rewards Read 4 Oct 2026 · lopay.com
Standard Free No monthly fee · unlimited team members · next-day, weekly or monthly payouts · $50 in processing fees waived per $100 spent on card · 2x rewards Read 4 Oct 2026 · lopay.com

Every Lopay plan and price →

Strong points and limits

Strong points

  • Three listed plans have no monthly fee.
  • Payment links support one-time and recurring charges.
  • Point of sale manages products and stock on mobile devices.
  • Tap to Pay is listed.
  • Support includes in-app, email, and phone.

Limits

  • Xero daily syncing excludes Ignite and lower or free plans.
  • Tap to Pay has minimum device and operating system requirements.
  • Xero integration supports one organization per Lopay account.

Who it suits

Lopay suits business owners, sole traders, entrepreneurs, and side hustlers, including taxi drivers, barbers, pet groomers, builders, market traders, and dry cleaners. It offers payment tools for both in-person sales and remote or recurring charges.

Verdict

Lopay combines in-person acceptance, payment links, and mobile point-of-sale tools, with no monthly fee on its listed plans. Check the Xero plan and device requirements if those functions matter to your setup.

Where Specifiction places it

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