Keep more of every sale.

looch Pay accepts cards, instant pay by bank³, Apple Pay, and Google Pay. Your customers choose what works for them at checkout, and you can turn methods on or off.

Returning shoppers get passkey checkout.

Your customer approves the payment from their own bank, and the money is pushed straight to you, not pulled from a card.

It settles instantly and is final the moment it lands, so there's nothing to reverse later.

Because instant pay by bank³ money is final on arrival. The customer authorizes and sends it from their own bank, so there's no card network to reverse the payment, nothing to charge back, and no reason to hold a reserve against you.

Cards run at the standard card rate: 3.3% + 30¢.

Instant pay by bank³ is 1% (min $1, max $10), so a large ticket costs a flat maximum instead of a growing percentage.

Use the savings calculator on this page to estimate what you keep on your own volume.

Onboard as a looch business in the looch app, then open Online stores from the looch menu to turn looch Pay on.

It drops into your existing checkout with a short embed, so there's no separate processor to set up.

Yes. Checkout uses passkeys, so there are no passwords to phish, and looch never handles raw card data.

Instant pay by bank³ is approved by the customer inside their own bank.

First, download the plugin: From the looch menu: Invoicing → WooCommerce → Download plugin.

Then upload it to WordPress: Go to Plugins → Add Plugins → Upload Plugin.

Install, activate, and you’re done.

You can securely accept cards, Apple Pay, and Google Pay.

You can toggle payment methods on or off based on what your customers prefer.

No. looch handles everything for you behind the scenes. Just install the plugin and Apple Pay works.

The plugin offers 2 payment layouts:

1. An embedded payment layout for your checkout page

2. An express payment pop-up for off-checkout purchases triggered by one-tap buy buttons

Your sales show up instantly in your Checkout Payments.

Your Dashboard balance updates in real time, and each sale appears in Activity right away.

Your WooCommerce sales have their own tracking tag for easy filtering and reporting.

No. looch gives you no-fee business accounts, spend management with Smartcards, and payment processing inside one secure mobile app. Nothing to set up or configure.

Yes. The plugin works with standard WooCommerce products, variable products, subscriptions, and most major extensions.

You initiate refunds inside WooCommerce. looch then issues the refund, updates your activity, balances, and accounting instantly.

Disputes are handled through the looch app, where you can upload evidence and track status.

Security is our top priority. We've designed our platform with cutting-edge, industry-leading security features to protect every part of your experience. You can trust that your data and transactions are safeguarded with the highest standards of protection.

Additionally, there's no sharing of financial information within looch.

Yes. Funds in looch accounts are held at Fifth Third Bank, one of the largest and most established banks in the United States.

As of March 31, 2025, Fifth Third Bank reported approximately $213 billion in total assets, ranking among the top 15 banks in the United States, according to the Federal Reserve.

looch accounts are eligible for FDIC insurance up to $250,000¹.

Yes. We implement financial-grade encryption.

That won’t happen. looch uses a passwordless authentication system. We leverage passkeys, which use public-key cryptography and are highly resistant to phishing and other common attacks.

Unlike passwords, passkeys aren’t vulnerable to database breaches since servers only store public keys. For added security, passkeys leverage your device’s biometrics (like fingerprint or face recognition) and secure hardware elements.

Unlike 2FA apps, passkeys don’t require a separate device or app to generate codes, so there’s no risk of losing access if you misplace your phone. And unlike SMS-based 2FA, passkeys are immune to SIM-swapping attacks or SMS interception.

Payments received through looch are more secure than those made through traditional financial accounts.

When you send an invoice or money request, your contacts receive a single sign-in link to access a secure payment portal. Here, they can pay any looch business with their saved payment methods. Cards are verified using 3DS, confirming ownership, while bank accounts are verified with a 2FA code sent directly to the bank statement. This ensures that when a contact pays with a bank account, we’ve already confirmed they have access to it.

In POS mode, looch utilizes tap-to-pay technology, which uses dynamic encryption and tokenization, replacing sensitive card data with a secure token. Each transaction transmits a unique, one-time code for added security. Tap-to-pay also incorporates real-time fraud detection algorithms to safeguard every payment and eliminates the need for a physical card terminal.

Outbound payments can be made from either a looch account or an external account.

To add a business external account, users provide credentials for the external account, followed by a second layer of security to confirm ownership. For personal external accounts, verification is completed with a 2FA code sent directly to the bank statement. Cards used for payments are verified using 3DS for every transaction.

Only owners and managers with "move money" permission can initiate outbound payments, and biometric authentication is required for all transactions, ensuring maximum security.

There’s no sharing of financial information within looch. If your contacts aren’t looch businesses, they’ll receive an email link to onboard. Contacts who pass our verification process become looch businesses. Those who don’t can claim payments with a Smartcard, bank transfer, or same-day wire through the payment portal. Their payment method and banking details remain confidential, with no fees to you.

In both cases, a W-9 form is generated and kept on file without revealing the tax ID, a 1099 status determination is made, and payments are tracked for the 1099 reportable amount.