# LocalPay: Loyalty and Payments — Instant secure retail payments > Secure, fee-reducing retail payment solution for consumers and merchants. (iPhone/iPad app by FinChain.) - Source: https://appshunter.io/ios/app/localpay-loyalty-and-payments/id6479835810 (this page in markdown: same URL + `.md`) - Developer: [FinChain](https://appshunter.io/developer/1737330084) - Category: Finance - Price: Free - Rating: 5.00/5 from 4 App Store ratings - Age rating: 17+ - Requires: iOS 15.1 · 54 MB - Languages: American English - Released: 2024-03-22 - Data updated: 2026-08-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/localpay-loyalty-and-payments/id6479835810/reviews.md ## What is LocalPay? An easy, ultra-secure way to send and receive retail payments. LocalPay provides an all-in-one payment solution for consumers, merchants, banks, and credit unions. LocalPay simplifies transactions and delivers benefits for all users: reducing fees for merchants with real-time capable settlement, providing flexible payment options for consumers with the same or more rewards, and increasing revenue for banks and credit unions. Flexible Payment Options and Greater Rewards for Consumers - Get instant discounts from local merchants - Securely link multiple bank accounts using Plaid - Avoid card fee surcharges Real-time Capable Settlement, Local Advertising, and Lower Fees for Merchants - Significantly reduce payment fees to as low as 0.5% - Faster time-to-money during settlement - Keep your existing POS, no additional hardware needed Ultra-Secure Payments - Face ID authorization for payments significantly reduces fraudulent transactions Quick Setup - Create a consumer or merchant account in just 2 minutes LocalPay App Features Local Offerings and Advertising - Connect community merchants and consumers together through targeted advertising and local deals. Link Multiple Bank Accounts - Consumer users can securely connect multiple bank accounts and payment options using Plaid. Once confirmed, the user can easily switch between accounts to make payments and set a default account. Merchant Employee Accounts - Merchants can create and manage accounts for individual employees to receive consumer payments. Each transaction carried out under an employee account is recorded under their name and seamlessly added to the primary merchant admin account's transaction records. Unique Merchant QR Codes - Create and customize a QR code for your customers to easily scan. This QR code receives payments directly to your verified business bank account. Using the Merchant Options, a business owner can add functionality for tips, discounts, and email receipts for customers. Transaction Records - LocalPay provides users with a complete record of their entire transaction history. Consumer users can sort these records by individual linked bank accounts. Merchant users can export their records into a CSV file. Balance Check - Reduce risky transactions by checking for sufficient funds balance before accepting consumer payment. DOWNLOAD LocalPay today for free and add a new level of trust and security to your retail payments. LEARN MORE at localpay.com ## Key features - Securely link multiple bank accounts - Instant discounts from local merchants - Reduce transaction fees - Real-time settlement for merchants - Face ID authorization for payments - Create merchant employee accounts - Export transaction records to CSV ## Frequently asked questions about LocalPay ### What is LocalPay? LocalPay is a finance app designed to provide secure and efficient retail payment solutions for both consumers and merchants. It aims to reduce fees for businesses and offer better rewards and payment flexibility for customers. ### How secure is LocalPay? LocalPay prioritizes security with features like Face ID authorization for payments, which significantly reduces fraudulent transactions. It also allows users to securely link multiple bank accounts using Plaid. ### What are the benefits for merchants using LocalPay? Merchants can significantly reduce payment fees to as low as 0.5%, benefit from faster time-to-money with real-time settlement, and integrate with existing POS systems. They can also create unique QR codes for easy customer payments. ### Can consumers get rewards with LocalPay? Yes, consumers can receive instant discounts from local merchants when using LocalPay. The app aims to provide flexible payment options with the same or even more rewards than traditional methods. ### How quickly can I set up an account? LocalPay offers a quick setup process, allowing consumers or merchants to create an account in just 2 minutes. ### Does LocalPay have ads? No, LocalPay is ad-free, allowing for an uninterrupted user experience. ### What devices does LocalPay support? LocalPay is available for iPhone and iPod devices. ### How often is LocalPay updated? The app was last updated on March 19, 2026, indicating regular maintenance and feature additions. ## Version history (last 5 releases) ### 1.2.7.10 — 2026-08-17 - General bug fixes ### 1.2.7.9 — 2026-07-21 - General bug fixes ### 1.2.7.8 — 2026-07-11 - General bug fixes ### 1.2.7.7 — 2026-07-10 - General bug fixes ### 1.2.7.6 — 2026-07-09 - General bug fixes ## Apps similar to LocalPay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Bushel Wallet™](https://appshunter.io/ios/app/bushel-wallet/id1583831693) | 4.2 (5) | Free | Finance | | [LubyPay](https://appshunter.io/ios/app/lubypay/id6499191671) | 5.0 (1) | Free | Finance | | [Peblla Pay](https://appshunter.io/ios/app/peblla-pay/id6502342869) | — | Free | Finance | | [$END](https://appshunter.io/ios/app/end/id6463563565) | 4.0 (1) | Free | Finance | | [SynchPay](https://appshunter.io/ios/app/synchpay/id6499554408) | 5.0 (5) | Free | Finance | | [PayMano - Money Transfer App](https://appshunter.io/ios/app/paymano-money-transfer-app/id6476703966) | 1.0 (2) | Free | Finance | ## Related topics [mypaymentsplus](https://appshunter.io/ios/topics/mypaymentsplus) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-22.*