Lopay vs Paymi

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.

Paymi is an iOS app for eligible businesses, sole traders, and other entities to accept card payments with Tap to Pay on iPhone. Merchants can use an iPhone without an extra terminal or payment hardware. Customers can pay with major debit and credit cards, Apple Pay, or Google Pay. The app supports bill splitting, tips, automatic discounts and taxes, payment links, and real-time transaction views. Paymi uses Stripe Connect Standard accounts; Stripe manages processing, payouts, disputes, and chargebacks. Paymi says it does not collect or store card or banking information. Listed markets include the United States, Canada, Australia, New Zealand, the United Kingdom, and 16 European countries. Tap to Pay requires a supported payment app and the latest iOS, and may have transaction limits or unavailable markets. The Free plan has no subscription and charges a 1.2% Paymi application fee per transaction, plus Stripe fees. Pro plans have 0% Paymi application fees, while Stripe fees still apply. Pro pricing varies by App Store storefront; UK listings show £9.99/month or £79.99/year.