Keep more of every sale.
Accept cards and instant pay by bank³. 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.
See what you keep.
Drag the sliders to estimate what you keep on card fees with looch.
Rates may vary by business type.
Money that arrives done.
Instant pay by bank³ is simple by design. That simplicity is exactly what removes the costs cards carry.
Approved at the source
Your customer approves the payment inside their own bank and sends it to you. Nothing is pulled from a card.
Pushed and settled instantly
The money is pushed straight to your account and settles instantly, any day, any hour.
Final on arrival
Once it lands it's final. There's nothing to reverse, nothing to charge back, and no cash held in reserve.
Take looch Pay for a spin.
Open a live demo and check out exactly the way your customers will. It runs its own store, so there's nothing to set up.
Try itBig ticket. Small fee.
Instant pay by bank³ 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.
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.
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. Returning shoppers check out in a tap, with nothing to re-enter.
A smoother checkout means fewer abandoned carts and more completed sales for you.
A better back office for you.
Set up items and subscriptions, with paid or free trials, right from the looch app. No developer. No code.
Every online sale lands in your business account already entered into your books. No reconciling. No month-end close.
Subscriptions, all-in.
Most platforms charge a card fee, stack a subscription billing fee on top, and leave the books to you. looch Pay is one rate that covers everything.
Secure for you and your customers.
Checkout is protected by passkeys, so there are no passwords to steal or phish.
Card details are encrypted and tokenized on a PCI-compliant checkout, protected at every step.
Funds in looch accounts are held at Fifth Third Bank and are eligible for FDIC insurance up to $250,000¹.
Instant pay by bank³ is authorized by the customer inside their own bank.
looch Pay questions
Returning shoppers get passkey checkout.
It settles instantly and is final the moment it lands, so there's nothing to reverse later.
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.
It drops into your existing checkout with a short embed, so there's no separate processor to set up.
Instant pay by bank³ is approved by the customer inside their own bank.
Online store questions
Then upload it to WordPress: Go to Plugins → Add Plugins → Upload Plugin.
Install, activate, and you’re done.
You can toggle payment methods on or off based on what your customers prefer.
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 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.
Disputes are handled through the looch app, where you can upload evidence and track status.
Security questions
Additionally, there's no sharing of financial information within looch.
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.
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.
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.
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 bank³ with looch Pay.
