Lopay vs Paid for Stripe

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.

Paid for Stripe turns an Android or iOS phone into a card terminal for payments that go to a connected Stripe account. Tap to Pay supports contactless cards and digital wallets without a separate reader, and users may also connect a Bluetooth card reader. Checkout can draw from a reusable product catalog, accept tips, add tax, pass processing fees to customers, or collect payment through links and QR codes; recurring payments are also listed. Account owners can add team members, assign roles, and manage permissions. Stripe pays funds to the user's bank on its regular payout schedule, with instant payouts available in supported regions. The app is presented for mobile and service businesses such as beauticians, drivers, musicians, stallholders, food vans, cleaners, and tradespeople. The listed plan is free, with no monthly or setup fees and no hidden fees; the app charges 0.99% per transaction in addition to Stripe's standard fees. The site says card data is encrypted end-to-end and not stored on the device.