Lopay vs Zeller
Lopay
lopay.com
Zeller
myzeller.comSide by side
| Figure | Lopay | Zeller |
|---|---|---|
| Price from | Free | £1.30/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 3 | 11 |
| Spec score · Mobile Payment Processing Software | 7.9 (#8) | 8.6 (#3) |
| Founded | 2022 | 2021 |
| POS | The point-of-sale feature lets merchants organize products, manage stock, and check out using a smartphone or tablet. | Zeller POS is free to run without a subscription, licence fee, lock-in contract or cancellation charge. |
| 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. | Zeller states that payments use encryption, PCI DSS controls, security assessments, staff training and recurring compliance audits. |
| Support | Lopay lists in-app, email, and phone support, guided in-app onboarding, and access to more than 60 help articles. | Zeller advertises 24/7 support by phone, email and SMS with articles covering payments, accounts, terminals, integrations, reports, disputes and POS. |
| 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. | Tap to Pay requires iPhone XS or later with iOS 16.4+ or an NFC Android device on Android 10+; Windows and laptops are excluded. |
Plans
Zeller
- Zeller Business AccountFree
- Zeller Business Account, app, and dashboardFree
- Zeller Debit CardFree
- Zeller POSFree
- In-person payments£1.30 a month
- MOTO payments£1.50 a month
- Online invoice payments£1.50 a month
- Virtual terminal£1.50 a month
- Expense cards£5 a month
- Zeller Expense Cards£5 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.
Zeller
Zeller combines business payments, accounts, cards, invoicing, and financial reporting in a platform for businesses. Its POS includes item and inventory management, receipt and kitchen docket printing, discounts, refunds, and real-time sales reporting. Businesses can create and send unlimited online invoices without a monthly subscription fee, or use a browser-based virtual terminal to key in card payments and create free payment links. Listed in-person rates are 1.3% for Visa and Mastercard and 1.99% for other cards. The POS software and Business Account, app, and dashboard are each listed at free; POS use requires a Zeller Terminal and transaction fees apply. Zeller also lists Expense Cards at £5 a month (first card free) and a terminal at £99, paid once, excluding VAT. Kitchen display, tabs, table mapping, inventory tracking, and complex order routing are marked as coming soon. The service is available on Android, iOS, and web, with 24/7 phone, email, and SMS support.