Monthly recurring income at the end of Year 5
£374,178
From approximately 27,000 active merchants
×
×A better deal for Resay and merchants.
Upfront commission, lifetime payment residuals and business funding income, backed by free merchant hardware, clear reporting and direct support.
£50 activation bonus
Start earning when merchants activate.
40% lifetime share
Of net processing revenue.
25% funding share
Of Lopay’s commission per advance.
Free hardware
No upfront hardware costs for you.
Clear reporting
Track merchant activity and earnings.
Resay Commercial Opportunity
Build a growing income stream with Lopay.
Explore Resay’s potential earnings as your merchant portfolio grows.
Merchant acquisition
Set the merchants you expect to activate each month and the card volume they process.
5,400 new merchants per year
£
£180,000 per merchant per year
Plan mix
Defaults reflect the actual current processing-volume mix.
11.8%
54.3%
33.9%
Average recurring commission per merchant: £13.86/month
Business funding
Earn 25% of Lopay’s funding commission when your merchants take business funding.
%
Currently, roughly 10% of merchants take an advance.
Year 5
Year 1Year 15
Total earnings in Year 5
£4,551,040
Processing residual£4,078,540
Activation bonuses£270,000
Business funding£202,500
Total earned over 5 years
£13,774,928
Processing residual£11,412,428
Activation bonuses£1,350,000
Business funding£1,012,500
Indicative annual saving per merchant
£1,212
40% lower processing fees than SumUp, with further potential savings through Zero Card.
Why Lopay wins
Lower costs. More value for merchants.
Low processing fees, free payment hardware and no monthly payment-plan fees or fixed-term contract. Reduce fees further through everyday spending with the Lopay Zero Card.
Low fees. Less than half the cost.
From 0.79%, less than half SumUp and Square’s standard processing rates.
100% back with the Lopay Zero Card
For every £1 of spend, earn £1 in fee-free processing to reduce fees further.
Free payment hardware
Start taking payments without an upfront hardware cost.
No monthly fees or tie-in
No monthly payment-plan subscription and no fixed-term contract.
Rated 4.8 on Trustpilot
Trusted by over 40,000 businesses.
Partnership approach
A partnership supported at every step.
A dedicated account team for Resay, onboarding help for merchants and UK-based support, with clear reporting to keep performance and earnings visible.
Transparent reporting
Track merchant activity, earnings and commission through your partner portal.
Dedicated account team
Direct contacts to support Resay and resolve partnership queries.
Merchant onboarding
Help merchants complete setup and start taking payments.
UK-based support
In-house support for merchants when they need help.
Expanding the partnership
European expansion and POS integration.
Alongside the UK launch, we’d like to explore supporting Resay’s European operations and integrating Lopay into your POS platform.
European rollout
Our Stripe infrastructure gives us a foundation to move quickly into supported European markets. Together, we can identify priority countries and confirm local requirements.
POS integration
Explore connecting Resay’s POS platform to Lopay payments, making it easier for merchants to take payments within their existing setup.
Next step: agree priority markets and review your POS requirements with our technical team.
Safeguards
Suggested partnership guardrails.
Simple safeguards to keep the economics working for both sides.
Eligible activation
£50 after five settled payments across three unique cards from a new, approved merchant. Excludes duplicates, self-payments, tests and refunds.
Exposure cap
An agreed limit on activation bonuses Lopay has yet to earn back. As costs are recovered, capacity for further bonuses opens up.
Free hardware
Portfolio targets average £8,000/month per terminal and £2,000/month per WisePad. Below target, proposed monthly commission deductions are £15 per terminal or £5 per reader.
Regular reviews
Monthly reviews and a three-month checkpoint to agree changes or whether to continue.
Proposed terms, subject to agreement.
Helping members growMore than payments.
More than payments.
Tools to help businesses grow.
Lopay helps members take payments, access their money, manage business spending and stay on top of their finances - with flexible tools designed to grow with their business.