Lopay vs SwipeSimple
Lopay
lopay.com
SwipeSimple
swipesimple.comSide by side
| Figure | Lopay | SwipeSimple |
|---|---|---|
| Price from | Free | $19.95/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 3 | 11 |
| Spec score · Mobile Payment Processing Software | 7.9 (#8) | 8.5 (#4) |
| Integrations | Lopay’s help center documents integrations with Xero and QuickBooks; its payment page also describes adding Lopay payment links to Intuit invoices. | The App Marketplace includes QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews. |
| Payment links | Lopay payment links can be sent to customers for deposits or remote services, and may be one-time or recurring. | Payment links let merchants sell remotely through links shared by email, text, or social channels. |
| Product | Lopay provides payment tools for businesses, including in-person payments, payment links, and point-of-sale features. | SwipeSimple provides payment acceptance tools for small businesses, including mobile payments, terminals, and computer-based payment processing. |
| 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. | SwipeSimple states that its systems are designed for PCI DSS compliance and enforce HTTPS, HSTS, and 256-bit encryption. |
| Support | Lopay lists in-app, email, and phone support, guided in-app onboarding, and access to more than 60 help articles. | SwipeSimple is generally sold through merchant service providers, and merchants are directed to their provider for account support and billing or fee questions. |
Plans
SwipeSimple
- SwipeSimple Connect ZeroFree
- SwipeSimple Connect — card-present processing$2.61, paid once
- SwipeSimple Connect card-present processing$2.61, paid once
- SwipeSimple Connect — card-not-present processing$3.51, paid once
- SwipeSimple Connect card-not-present processing$3.51, paid once
- QuickBooks Online Sync$19.95 a month
- SwipeSimple Appointments$29.95 a month
- Bluetooth card reader$49, paid once
- Text Loyalty & Reviews Starter$59.99 a month
- Text Loyalty & Reviews Standard$95.95 a month
In their own words
Lopay
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.
SwipeSimple
SwipeSimple provides payment acceptance tools for small businesses across Android, iOS, and web, with mobile, terminal, and computer-based processing. Its mobile app supports swiped, dipped, tapped, and keyed card payments, with an optional reader for physical cards; it can also accept payments offline when cell reception is poor. Businesses can manage customers, review purchase histories and sales trends, and export transaction reports compatible with tools such as QuickBooks and Excel. Invoices can be emailed or texted, shared as links, saved as drafts, and configured with automatic payment reminders. The App Marketplace lists QuickBooks Online Sync, Appointments, and Text Loyalty & Reviews, while SwipeSimple says it has no public API or third-party integrations. Connect Zero is $0.00 per free for eligible businesses, with card-paying customers covering a 3.5% card fee. Card-present processing is $2.61; card-not-present processing is $3.51. SwipeSimple is commonly sold with a merchant account and processing agreement through a provider, which handles account support and billing questions.