Lopay
“Can a low-fee, faster-payout SMB payments app become the operating platform for UK/US micro-merchants underserved by Square and SumUp?”
HQLondon, UK
IndustryFintech / SMB payments
The story
Lopay is a London-based SMB payments app offering low-fee card acceptance and faster payouts to UK/US micro-merchants, positioned as a Square/SumUp alternative. Its embedded finance story is centered on Stripe as the underlying processor and safeguarding partner, with YouLend layered on top for merchant cash advances.
Product timeline
2024
Partnered with YouLend to launch embedded cash advances for 40,000+ UK SME merchants, surpassing £1M in funded capital.· lending
The stack
4 layers disclosed in Lopay’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Lending
in the full report
Accounting
in the full report
Accounting gap: minor
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.