looch Pay
Accept cards and instant pay by bank. Keep more of every sale.
Your customers pay from their own bank. The money lands instantly and it's final, so the costs cards carry don't follow you.
Onboard in the looch app, then add your store under Online stores.
Your store$360.18
Apple Pay
Card
Instant pay by bank1% · max $10
Add a payment method
Pay $360.18
Apple PayGoogle PayCardsInstant pay by bankFinal fundsPasskey security
Savings calculator
See what you keep.
Drag the sliders to estimate what you keep on card fees with looch.
Average transaction size$250
Monthly volume$25,000
Estimated annual savings
$0
$0/month
by passing the card fee to your contact
Cards: 3.3% + $0.30
Rates may vary by business type.
Rates may vary by business type.
How it works
Money that arrives done.
Instant pay by bank is simple by design. That simplicity is exactly what removes the costs cards carry.
1
Approved at the source
Your customer approves the payment inside their own bank and sends it to you. Nothing is pulled from a card.
2
Pushed and settled instantly
The money is pushed straight to your account and settles instantly, any day, any hour.
3
Final on arrival
Once it lands it's final. There's nothing to reverse, nothing to charge back, and no cash held in reserve.
Keep more of every sale
Instant pay by bank costs less than cards, and it's capped, so a large ticket costs a flat maximum instead of a growing percentage. More of every sale stays with you.
Final funds
No disputes, no chargebacks, no reserves. The money is final the moment it lands, so it's yours to use, not held back against what might go wrong.
Money in the moment
Payments settle instantly, any day of the week. Your cash isn't tied up waiting to clear, so you can pay people, restock, and keep moving.
Everything in the box
One checkout, every way to pay.
Saved payment methods
Customers pay once and reuse their methods everywhere looch Pay is accepted.
Apple Pay and Google Pay
One-tap wallet checkout on every device, on the web and in apps.
Passkey checkout
Returning shoppers sign in with a passkey. No passwords, no friction.
Subscriptions and recurring
Charge on a schedule for memberships, retainers, and plans.
For your customers
A better checkout for your customers.
Shoppers get a fast, secure checkout: saved payment methods, passkey sign-in, and the option to pay instantly from their bank. They can pay with looch anywhere it's accepted.
A smoother checkout means fewer abandoned carts and more completed sales for you.
Saved · Visa ··42
Pay from your bank
Passkey
Security
Secure for you and your customers.
Passkey authentication
Checkout is protected by passkeys, so there are no passwords to steal or phish.
No raw card data
looch never handles raw card numbers. Sensitive data is tokenized.
FDIC-eligible accounts
Funds in looch accounts are held at Fifth Third Bank and are eligible for FDIC insurance up to $250,000.
Approved at the bank
Instant pay by bank is authorized by the customer inside their own bank.
looch Pay questions
What payment methods does looch Pay accept?
looch Pay accepts cards, instant pay by bank, 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.
Returning shoppers get passkey checkout.
How does instant pay by bank work?
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.
It settles instantly and is final the moment it lands, so there's nothing to reverse later.
Why are there no disputes, chargebacks, or reserves?
Because instant pay by bank 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.
How much does looch Pay cost?
Cards run at the standard card rate: 3.3% + 30¢.
Instant pay by bank 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.
Instant pay by bank 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.
How do I add looch Pay to my checkout?
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.
It drops into your existing checkout with a short embed, so there's no separate processor to set up.
Is looch Pay secure?
Yes. Checkout uses passkeys, so there are no passwords to phish, and looch never handles raw card data.
Instant pay by bank is approved by the customer inside their own bank.
Instant pay by bank is approved by the customer inside their own bank.
Online store questions
How can I install the looch Woo plugin?
First, download the plugin: From the looch menu: Invoicing → Woo → Download plugin.
Then upload it to Wordpress: Go to Plugins → Add Plugins → Upload Plugin.
Install, activate, and you’re done.
Then upload it to Wordpress: Go to Plugins → Add Plugins → Upload Plugin.
Install, activate, and you’re done.
What payment methods can I accept on my Woo store?
You can securely accept cards, Apple Pay, and Google Pay.
You can toggle payment methods on or off based on what your customers prefer.
You can toggle payment methods on or off based on what your customers prefer.
Do I need to register my domain with Apple to accept Apple Pay on my store?
No. looch handles everything for you behind the scenes. Just install the plugin and Apple Pay works.
What payment layouts can I use?
The looch 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
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
How fast will my Woo sales appear in looch?
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 Woo sales have their own tracking tag for easy filtering and reporting.
Your Dashboard balance updates in real time, and each sale appears in Activity right away.
Your Woo sales have their own tracking tag for easy filtering and reporting.
Do I need a separate merchant account, payment gateway, or payout bank account?
No. looch gives you no-fee financial accounts, spent management with Smartcards, and payment processing inside one secure mobile app. Nothing to set up or configure.
Does looch support both one-time purchases and subscriptions?
Yes. The plugin works with standard Woo products, variable products, subscriptions, and most major extensions.
How do refunds and disputes work?
You initiate refunds inside Woo. 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.
Disputes are handled through the looch app, where you can upload evidence and track status.
Security questions
How secure is looch?
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.
Additionally, there's no sharing of financial information within looch.
Are funds in looch accounts safe?
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.
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.
Is my data safe?
Yes. We implement financial-grade encryption.
What happens if my password is compromised?
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.
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.
How are inbound payments handled?
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.
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.
How are outbound payments handled?
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.
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.
Keep more of every sale. Get money that's final.
Accept cards and instant pay by bank with looch Pay.
Google Play
Coming soon
The looch app is available on iOS today. We’re working on the Android version.
Visit looch.money on your iPhone to download from the App Store.