With the Lopay Rewards & Expense Visa Card, you get instant access to your funds for just 0.99% per transaction - plus rewards every time you spend reducing your transaction fees even further!
1. About the Rewards Card
How does the Lopay Card work?
Each time you take a payment via Lopay, your funds will be instantly available to spend via your Lopay Card. You can use your Lopay card to make purchases online, or in person via contactless payments, as well as Chip & Pin payments if you order a physical card.
Every time you spend on your Lopay card you will get 25% of your spend back in fee-free payment processing. This means more transactions with zero fees!
What are the fees?
With the Rewards Card Account, the transaction fee is just 0.99%* for standard cards and +1% for premium cards (American Express, international and corporate cards). Optional product fees may also apply.
Can I get a payout to my bank account?
Yes! You can schedule upto 5 payouts to your bank each month to help manage regular outgoings. You choose the frequency and day of the week/month and we'll ensure your Lopay balance is sent to your bank account at the same times each month.
To set up your payout schedule, please ensure you have the latest version of the app then follow the steps below:
Select the "Get regular payouts to your bank" banner on your home page
Confirm the bank account to receive the payout
Select from weekly or monthly and then the day of the week or month (Monday-Friday payouts available only)
Select Confirm Schedule
Unscheduled payouts will incur a small fee - this will show in the app and will simply take your transaction fee for that payout to our standard 1.79%* instant rate. To trigger an unscheduled payout, go to the 'Activity' tab in the app (4th icon at the bottom) and select the "Withdraw money" banner.
Can I withdraw cash?
No, currently you can't use your Lopay Card to withdraw money from an ATM. Instead, spend your funds via your Lopay Card to earn more fee-free processing!
2. Setting up the Rewards Card
How do I add my card to mobile Wallet?
When you upgrade to a Lopay Rewards Card Account, a virtual card will be added to your Lopay app. This means you can start using your card straight away by adding it to your Google Wallet or Apple Wallet and making contactless payments with your phone.
How do I order a physical card?
Tap ‘My Cards’ on the home screen of your Lopay app to see your virtual card or order your physical card.
If you need a new physical card because it is lost, stolen or damaged just go to Your cards and request a new one:
You will be asked to select why you need a card - this is to ensure that if the card has been lost we know to block your previous card.
Once you receive your new card you can follow the same steps to activate it as when you received your previous card.
How do I activate my Lopay Rewards Card?
To activate your physical card when it arrives, just tap ‘More’ then ‘Your Lopay Card’ in the app.
Please note, you'll need to insert your card into a card reader and make a Chip and Pin payment before contactless payments are enabled.
3. Using the Rewards Card
I've forgotten my PIN, can I retrieve it?
If you forget your PIN, head to Your Cards in your Lopay app and tap PIN reminder:
You will be sent a text message with a verification code in order to reveal your PIN.
To change your PIN, you will also need to tap PIN reminder and enter the verification code sent via text message. You will then be given the option to change your PIN.
Can I freeze my card?
If you need to freeze or unfreeze your card, go to Your Cards to add or remove a temporary block.
4. Managing your expenses
Can I add a receipt to card transactions?
Adding receipts to your transactions is easy with Lopay. Tap Your Cards in the app and you'll find an option to show your transaction history. After selecting the transaction, you'll be able to add a category, a description and as many images as you need.
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For any further questions or help, please email us at [email protected].