Layopay is a modern payment platform built for UK businesses. We combine transparent interchange++ pricing, real-time reporting, and dedicated support — so you always know what you're paying and why.
Ratechecker.io is our free comparison tool that analyses your merchant statement and shows you exactly what you're paying — and what you could save. Get a personalised, like-for-like quote in under 90 seconds.
Upload your statement
PDF or photo — our AI reads it instantly.
See your real costs
Broken down by card type, network, and fee category.
Get a better deal
A personalised quote with no sales calls and no pressure.
From payment processing to detailed reporting, Layopay gives you the tools to understand and grow your business.
Real-time dashboards showing every transaction, refund, and settlement across all your locations.
Accept all major cards with competitive interchange++ pricing and no hidden fees.
Understand your busiest hours, average spend, and trends with intelligent analytics.
Built-in fraud monitoring and chargeback management to protect your revenue.
Seamlessly connect your point-of-sale system for unified sales and payment data.
Match payments to settlements automatically. No more spreadsheet headaches.
Our next-generation EPOS learns your business — from auto-building menus with AI to predicting demand and optimising staff schedules.
Generate full menus from photos or descriptions in seconds.
Natural-language insights and actionable recommendations.
Optimise rotas based on predicted footfall and costs.
🎉 Beta Programme
Register your interest to be invited as a beta tester — receive free hardware, free software fees, and discounted processing rates.
Everything you need to know about comparing card payment rates with Layopay.