# Lopay: Payments & POS — Business payments made simple > Mobile payment processing and point-of-sale solution for businesses. (iPhone/iPad app by LOPAY LTD.) - Source: https://appshunter.io/ios/app/lopay-payments-and-pos/id1565369434 (this page in markdown: same URL + `.md`) - Developer: [LOPAY LTD](https://appshunter.io/developer/1586844854) - Category: Business, Finance - Price: Free - Rating: 4.80/5 from 287 App Store ratings · 141 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 215 MB - Languages: American English - Released: 2021-05-25 - Data updated: 2026-08-26 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lopay-payments-and-pos/id1565369434/reviews.md ## What is Lopay? With a US low 1.99% + 10¢ per transaction rate, Lopay lets you keep more of your hard-earned money every time you take a payment. Lopay is the most cost-effective, flexible way to take payments, choose your rate and pay-out from instant to monthly. With Lopay you get to: 1. Accept payments on your mobile via the app or Bluetooth card reader 2. Let customers add tips 3. Quickly add team members and manage their access 4. Receive a clear daily / weekly / monthly breakdown of your income 5. Get paid directly to your bank (today, tomorrow, next week, even the weekend) 6. Take payments anywhere with our special QR stickers 7. Enjoy a free expense and rewards card that gives you the ability to offset your 1.99% fees. And it's so quick and easy to sign up to Lopay that you can get working in minutes! We are always available through the app or via email support@lopay.com ## Key features - Accept payments via app or card reader - Customer tipping option - Team member management - Income breakdown reports - Flexible bank payouts - QR code payment stickers ## What do users think of Lopay? Overall sentiment: neutral **Pros** - 🚀 Instant payouts - 👍 Easy to use - 💰 Competitive fees - 🔒 Secure transactions - 🤝 Excellent customer service **Cons** - 🐛 Connectivity issues - ⏱️ Slow transaction approvals - 🔋 Battery drain on card reader - 🔍 Unclear fee structure - 🤖 Frequent mandatory updates **Commonly reported bugs** - App crashes after updates - Card reader disconnects frequently - Delayed fund transfers - Account freezes without explanation **Most requested features** - Offline payment option - Pre-authorization feature - Standalone card reader - Customizable branding on receipts - Tipping functionality ## Recent user reviews (10 of 141) All indexed reviews: https://appshunter.io/ios/app/lopay-payments-and-pos/id1565369434/reviews.md ### 2/5 — Too many updates *2026-08-09* Way too many updates compared to its competitors Generally use tap on Phone to take payment and then the one time you need your card machine it needs to do a 15 minute update Also seems very slow compared to its competitors. There have been times when I’ve been trying to tap to take payment using my phone and it takes forever to load so have used my other provider. Just seems a very unstable platform especially compared to provider that begins with IZ! **Developer response:** Thank you for the feedback. We’re sorry the app has felt slow and disruptive at busy moments. We know speed and reliability matter most when you’re taking payments, and we’ll keep working to improve that experience. ### 1/5 — Not Recommended – Unreliable and Unexplained Restrictions *2026-08-07* The service from Lopay was good while it lasted, but unfortunately our experience has ended on a very disappointing note. Yesterday, we discovered that Payment Links and QR Payments had been suspended on our account. This was particularly frustrating because we had used these payment methods previously without any issues. We contacted Lopay customer service via their messaging service to find out what had happened and why these facilities had suddenly been removed. After some communication, we received a response from someone named Ronaldo stating: “Our Review team has decided that we’re unable to enable Payment Links on your account at this time.” We were also told that, due to Lopay not being a high-risk card processor, they operate under strict restrictions and could not provide any further details. Unfortunately, this is not acceptable from a business perspective. As a reputable company, we cannot put our own credibility at risk by advertising to customers that we accept card payments through Payment Links and QR Payments, only to discover without warning that these services have been suspended. The biggest issue for us is not simply that the services were restricted — businesses can understand that providers have policies and compliance requirements. The problem is the lack of transparency and, more importantly, the lack of notification that these payment methods had been suspended. Long story short, we have immediately switched to another reliable payment provider that offers these payment methods as standard, without placing our business in a position where we could potentially disappoint or inconvenience our customers. Our verdict? Unfortunately, we do not recommend Lopay for businesses that require reliable and predictable card payment services. The service may have been good while it lasted, but reliability and transparency are essential when you're dealing with your customers and your company's reputation. **Developer response:** Thank you, Mario, for sharing this. We’re sorry your experience changed in a way that caused disruption and concern for your business. We understand how important clear, dependable payment tools are, and we’ve made sure your feedback is shared with the team. Please do reach out to us on support@lopay.com and we would be happy to assist you. ### 3/5 — Bad connection *2026-07-22, version 3.1.97* When I start it is was good at the moment very struggling about Internet connection taking payment ### 3/5 — Update *2026-07-21, version 3.1.98* It has taken me ages to update as it kept timing out ### 5/5 — Osteopathy Business *2026-07-15, version 3.1.97* Have been using for payments for my Osteopathy business. Very handy, and can take payments if doing home visits or send links for pre payment for appointments. ### 1/5 — Worst APP EVER *2026-07-13, version 3.1.97* Suspended account and stole all my money. Stick with the big boys card payments - not this one they make money by taking your money hostage. THERE is NO real people you can contact ### 5/5 — Outstanding *2026-07-08, version 3.1.96* If you’re having a stable reception from your network the perfect device. ### 5/5 — Mike *2026-07-06, version 3.1.96* Stop sending these messages every 2 minutes ffs ### 5/5 — Ease of use *2026-07-04, version 3.1.96* Quick and easy and simple enough to have on your phone - no costly terminals. Also track stock. It’s great! ### 5/5 — Lopay card reader *2026-07-01, version 3.1.95* I’ve been using discord Machine for more than two years more than happy it’s very low right? I recommend in every small business. ## Frequently asked questions about Lopay ### What does Lopay do? Lopay is a mobile application designed to simplify business payments. It allows you to accept payments directly on your smartphone or tablet, either through the app itself or via a Bluetooth card reader. The app also offers features like customer tipping, team management, and detailed income reporting. ### How does Lopay handle payments and fees? Lopay offers a low transaction rate of 1.99% + 10¢ per transaction, allowing businesses to keep more of their earnings. You can choose your preferred payout schedule, from instant to monthly. Additionally, there's a free expense and rewards card that can help offset transaction fees. ### Can I accept payments anywhere with Lopay? Yes, you can accept payments anywhere with Lopay. In addition to using the app or a card reader, you can also utilize special QR code stickers that allow customers to make payments easily by scanning them. ### Is Lopay compatible with my device? The provided data does not specify exact compatibility requirements for operating systems (iOS/Android) or specific device models. However, it is designed to function on mobile devices, implying compatibility with most modern smartphones and tablets. ### How quickly can I start using Lopay? Signing up for Lopay is described as quick and easy, allowing you to start accepting payments in minutes. This streamlined process is ideal for businesses that need to get up and running with payment processing rapidly. ## Version history (last 5 releases) ### 3.2.3 — 2026-08-20 We're constantly improving Lopay, so have made a few tweaks to keep it running smoothly. If you have any questions or feedback, get in touch via support@lopay.com. ### 3.2.2 — 2026-08-13 The Lopay you know and love, but even better. We've made a few enhancements and squashed some bugs to make your app run even more smoothly. If you have any questions or feedback, we're all ears - contact support@lopay.com ### 3.2.1 — 2026-08-05 Nothing much to see here - just some background updates to keep Lopay running smoothly! Get in touch with support@lopay.com if you have any questions or feedback. ### 3.1.98 — 2026-07-21 We've fixed a couple of minor issues to keep Lopay running smoothly. Any questions? Get in touch via support@lopay.com ### 3.1.97 — 2026-07-13 We've fixed a couple of minor issues to keep Lopay running smoothly. Any questions? Get in touch via support@lopay.com ## Apps similar to Lopay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Saldo: POS & Tap to Pay](https://appshunter.io/ios/app/saldo-pos-and-tap-to-pay/id6472041423) | — | Free | Business | | [Nomod \| Payment Links](https://appshunter.io/ios/app/nomod-payment-links/id1541984830) | 4.8 (59) | Free | Business | ## More apps by LOPAY LTD - [Pay with Lopay](https://appshunter.io/ios/app/pay-with-lopay/id1565370346) - [Terminal Pay](https://appshunter.io/ios/app/terminal-pay/id6743445028) All apps by LOPAY LTD: https://appshunter.io/developer/1586844854 ## Related topics [lopay](https://appshunter.io/ios/topics/lopay) · [melio payment](https://appshunter.io/ios/topics/melio-payment) · [dexterpay](https://appshunter.io/ios/topics/dexterpay) · [papaya payments](https://appshunter.io/ios/topics/papaya-payments) · [paypal pos zettle](https://appshunter.io/ios/topics/paypal-pos-zettle) · [nomod](https://appshunter.io/ios/topics/nomod) · [onpay mobile](https://appshunter.io/ios/topics/onpay-mobile) · [sumup](https://appshunter.io/ios/topics/sumup) · [sump](https://appshunter.io/ios/topics/sump) --- *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 2026-08-26.*