PayPal Zettle Review



The newest mobile point-of-sale app from PayPal is called Zettle. It uses PayPal as its payment processing backbone and provides a complete point-of-sale system for iPads and mobile phones, making it ideal for many small businesses. Our thoughts on the PayPal Zettle are outlined here (formerly known as iZettle).


  • Zero monthly fees
  • Zero long-term contract
  • Withdrawals daily to your PayPal a/c
  • Simple to use
  • Telephone support daily from 8am to 8pm, email is 24/7


  • Limited # of integrations
  • Foreign transaction fees
Zettle by PayPal logo

PayPal Zettle

Zettle by PayPal logo

PayPal Zettle


The newest mobile point-of-sale app from PayPal is called Zettle. It uses PayPal as its payment processing backbone and provides a complete point-of-sale system for iPads and mobile phones, making it ideal for many small businesses. Our thoughts on the PayPal Zettle are outlined here (formerly known as iZettle).


  • Zero monthly fees
  • Zero long-term contract
  • Withdrawals daily to your PayPal a/c
  • Simple to use
  • Telephone support daily from 8am to 8pm, email is 24/7


  • Limited # of integrations
  • Foreign transaction fees


About Zettle
Who is Zettle for?
The Zettle reader in detail
Cards accepted
Pricing and commissions
Ordering your Zettle Terminal
Zettle setup
How to receive funds
How to take payment
Support and customer service
Customer reviews
Overall verdict

About PayPal Zettle 

At the time of its acquisition by PayPal in 2018, the Swedish firm Zettle (which had previously been known as iZettle) was used by more than 500,000 retailers in more than 12 countries. Since that time, the company has undergone a name change, transitioning from iZettle terminal to Zettle (by Paypal) in the year 2021.

As you’ll discover in the next sections of this review, Zettle is thought of by many as one of the best mobile micro terminals that are currently available.

Who is PayPal Zettle for?

The PayPal Zettle is an excellent option for many small companies who are just starting out, or who operate on the move, or who have a minimal volume of card transactions. It may be used with a range of company kinds, from cafés to retail stores.

Particularly helpful applications for PayPal Zettle include the following:

  • Retail shops
  • Restaurants serving food quickly
  • Cafés, restaurants, shops, quick-service eateries, stores, fashion boutiques, and companies
  • In-home and on-site services
  • Providers of personal services
  • Services provided by professionals
  • Salons specializing on hair and beauty care
  • Deliveries, driving, and taxi services

The vast majority of PayPal Zettle’s target audience is comprised of smaller businesses. However, PayPal Zettle does not support all of the available activities. Gambling and other professions that do not need a license are two examples of the types of businesses that fall under this category.

Both Zettle and one of its rivals, SumUp are credit card processing services that are great for small enterprises. These suppliers allow proprietors of tiny shops, pop up booths, and organizations with a straightforward and uncomplicated method to begin accepting card payments.

The PayPal Zettle reader in detail

The PayPal Here service was succeeded by the PayPal Zettle point-of-sale (POS) platform in June 2021. This technology enables businesses to take payments, monitor stock levels, keep track of sales, and generate reports. Transactions made in-person using a PayPal Zettle are assessed a fee of 2.29% + 0.09 cents, but transactions made manually incur a fee of 3.49 per-cent plus 9 cents.

If you are looking for a point of sale system that is appropriate for beginners, you may want to consider Zettle. It supplies the essentials with a low level of involvement on the part of the user and at an affordable price. If, on the other hand, you need services such as customer loyalty programs or email advertising campaigns, you should consider alternate alternatives. Although Zettle has the capability to expand hardware, it does not provide program upgrades or any other add-ons that are of a similar kind.

The following capabilities are available on the Zettle point-of-sale terminal:

  • A payment terminal that is considered to be “mobile” since it may be used with a tablet or smartphone that is linked to 3G/4G or WiFi.
  • Without the need for a commitment or a membership
  • On-the-go transactions, such as those conducted by mobile food trucks

You will find its compact size to be convenient in terms of ergonomics, especially when compared to standard payment terminals, which may sometimes be bulky and heavy.

With a weight of 125 grams, which is very light, and a covering that is somewhat rough, it fits nicely in the hand. Its measurements were 11cm x 7cm x 2 cm. The white on black display is quite easy to see, however it isn’t the most user-friendly touch screen available.

Even though the slot for the credit card is located at the bottom of the casing, the keys do protrude, which makes it much easier to enter the PIN number. The power on/off button as well as the charging port are located on the top of the device.

Cards accepted by PayPal Zettle

Card typeAccepted?
Debit cardsYes
Credit cards such as Visa, Mastercard, American Express, and Discover are examples of them.Yes
Virtual wallets (Apple Pay/Google Pay, Samsung Pay)Yes
Gift cardsYes
Paypal & Venmo QR codesYes

One of the numerous benefits of using PayPal Zettle is the ability to take almost all credit cards, including foreign credit cards. This is only one of its many perks.

Tap limitations of up to $250 were set by Mastercard and Visa after the epidemic in order to reduce the number of times customers were required to physically touch payment devices. This might change based on the company that issued the card. Since the epidemic, the adoption of the method, which cuts down on the amount of time required for each purchase, has skyrocketed.

PayPal Zettle gives you the ability to take mobile payments from consumers who want it. You may view the data from your Zettle POS system from your computer, and you can take payments using the virtual terminal or a linked card reader if you have PayPal Zettle. Additionally, PayPal Zettle comes with a free dashboard and a virtual terminal.

PayPal Zettle: Pricing and Commissions

The price structure of PayPal Zettle is straightforward and unambiguous:

  • Acquisition of a card reader unit
  • No membership & no contact committment
  • 2.29 per-cent of the entire purchase price in addition to $0.09
  • For payments that are keyed in by hand, the percentage of your sale’s value that is taxed is 3.49 percent, and the transaction fee is 9 cents.

Other fees

  • The mobile credit card scanner from Zettle costs $29 when purchased in conjunction with a new account and $79 for each subsequent device.
  • Card reader was never a part of the package; the Zettle reader holder costs $49
  • $269 for a mobile receipt printer
  • iPad sales counter: $159; nevertheless, this does not include an iPad.
  • Prices starting at $249 and going all the way up to $699 for the cash register, but without the iPad.

Your only ongoing expenses will be standard, flat-rate payment processing fees; this will enable small businesses, independent contractors, and traders to avoid the antiquated pricing model for payment terminals through the use of a straightforward method: the purchase of a terminal, which will include software and merchant fees.

You won’t have to pay any monthly or yearly fees, PCI compliance costs, or setup fees when you try out the system since there is no long-term commitment required. Instead, you may test it out for a low cost. The firm has highly competitive pricing due to the fact that it does not charge any hidden costs and has cheap rates for processing payments at points of sale (POS) as well as other fees.

The ordering procedure with PayPal Zettle

On the official website for PayPal Zettle, users may submit their registration information to sign up for the service online.

The following is what you must accomplish in order to process credit and debit cards with PayPal Zettle:

  • PayPal for Commercial Transactions
  • Tablet computer or mobile phone
  • Zettle POS application
  • Zettle terminal

Visit PayPal’s website in order to create an account with the company. Any company or organization that has access to a functional email account is qualified to use the service; however, the service does require additional information, such as the corporation, address, phone number, city, type of business, categorization, anticipated monthly sales, and tax identification number.

This application may be downloaded from the Play store or the App Store if you have an iOS device such as an iPad tablet, iPhone, or Android device. We strongly suggest that you schedule the purchase of your PayPal Zettle payment gateway at least seven business days in advance of when you will want it.

PayPal Zettle setup

Customers will get a PayPal Zettle that has already been setup and is normally sent with a battery that has been charged to a level of fifty percent. Since there is no requirement for a specialist, you will be able to complete the setup on your own in anywhere between ten and fifteen minutes.

You will find the following items in the box containing the card reader interface after you have received it:

  • Zettle Terminal
  • Information regarding acceptable methods of payment
  • A USB cable that may be used to recharge your card reader
  • User handbook and a fast start guide
  • Dock and operating instructions

To get started:

  • Put your mobile device’s Bluetooth functionality into active mode (tablet, smartphone).
  • Go to the “Settings” area of the Zettle program that’s installed on your mobile device, then choose “Card reader.”
  • Select the Zettle Reader 2
  • The program will then request that you activate the POS by pressing the On/Off button, which is situated on the very top of the scanner
  • Both the interface and your smart phone will show a number, which will enable you to carry out an initial connection check.
  • On all of the displays, a second set of numerical digits will emerge, which will be checked initially on the smartphone app followed by the terminal.

If you completely charge the device, it should have a run time of up to eight hours for the typical small and medium business.

Learn how to be paid for your PayPal Zettle sales.

The amount that is available to withdraw, also known as being transferred to your bank account, is a process that normally takes one working day. There is an option available to make an instant transfer, which costs 1.5% of the total amount being sent; however, the money will be in your bank account within minutes.

Sign up for a PayPal Business Debit Mastercard so that you may use your PayPal balance without needing to manually remove money from your account. The card enables quick access to the money that is stored online, with a maximum of up to $400 per day that may be withdrawn from any ATM.

You are eligible to get a cash rebate of up to 1% of the amount you spend on certain products. The card could make it simpler for you to get your hands on some cash straight immediately, but it will also add another piece of plastic to your collection, and each withdrawal from an ATM will cost you $1.50. At the checkout, your signature would be required, and there is a $3 fee associated with withdrawing cash.

Instructions on collecting money from customers using the PayPal Zettle

Simply input the quantity, and the consumer will complete the transaction in the same manner as they would at a traditional terminal by inserting their card, typing in their PIN, and validating the transaction. The successful completion of the transaction is indicated by a checkmark in green, and customers with suitable printers have the option of printing their credit card receipts.

Use the cord that is provided and connect it to either a computer or an electrical outlet in order to charge the terminal. You may do so by plugging it into a laptop or an electrical socket. It is possible to charge it whether it is turned on or off, or even while it is being used, which is a helpful feature. After it has been charged, you will have the ability to carry out up to 500 separate orders on a single battery charge.

Last but not least, if there is an upgraded version of the software running on the payment terminal, you will be alerted. A check for available updates is even carried out automatically whenever your device is linked to the program, making it very easy to apply new versions of the software.

PayPal Zettle features

The following is a list of some of the most key highlights of the PayPal Zettle:

Contactless payment

Just like any other reliable mobile payment station, PayPal Zettle enables you to accept the following payment methods:

  • Contactless payments
  • Transactions using a mobile wallets

As the significance of offering a variety of contactless payment options continues to grow, Zettle enables you to accept payments via the use of QR codes for PayPal or Venmo. Simply ask the customer to read your QR code with their phone using their phone. This function saves a significant amount of time and eliminates the need for customers to wait in lines, both of which are significant benefits for small business owners.

PayPal Zettle smartphone application 

The PayPal Zettle app may be used on a significant number of iOS devices, including iPhones and iPads, as well as Android smartphones and tablets. You have the ability to add items and services to the phone’s inventory library in the app, which displays as a neat grid arrangement that you may tap in order to add things to the bill. You might also include a tip, the applicable taxes, and a discount.

You can scan barcodes by utilizing the in-app detection technology, but you’ll need the camera on your smart phone to do so. If you do not have a barcode reader connected, you may still use these tools. Purchases made at a business may be easily canceled, and a new receipt can be emailed, texted, or printed out. Additionally, sales figures and transactions can be seen inside the app. You are able to add extra logins in order to share the sales of team members.

Monitoring and reporting on sales

You may automatically produce reports and keep track of sales using the app by using it. Within the app’s reporting section, you could get a breakdown of the sales numbers from the previous day.

You can access additional in-depth statistics by logging in to your Zettle account. This includes a split of sales, a study of payment options and prices, a list of your most popular options, a tally of gift certificates bought, and data on staff efficiency. Excel, PDF, and the raw data format may all be downloaded for each and every report.

Stock management

Utilizing the app, you may build a product catalog. Importing a product listing from a spreadsheet is possible, and after that, you can add photographs, summaries, and bar codes in addition to categorizing the products and sorting them according to category. Additionally, new goods may be added. The application or your account online may be used to maintain the inventory, and you will get notifications when it is time to refill the items.


In addition to being compatible with QuickBooks Online, Shopify, BigCommerce, and WooCommerce may all be integrated with Zettle POS. After you have successfully configured the connection, you will be able to import data into QuickBooks Online on a nightly basis in a simple and regular manner. In addition, you are able to add products from online retailers to the Zettle product offering, and any alterations made to inventory are synchronized across platforms.


Your PayPal corporate account already has options for creating invoices. Customers may choose to get their invoices through email or obtain them instantly via the use of the PayPal Zettle app. Sending the invoice itself does not cost anything, and the fact that you can do it from inside the app itself is a significant advantage.


Through the use of the my.zettle.com website, proprietors of businesses are able to see sales figures, modify timeframes, and export both Excel and PDF files. You have the ability to view your sales data by certain personnel, particular products, and specific time periods. In addition, there is a table that allows you to see the 10 products that have sold the most copies for the selected day, month, and week.


If you are holding a sale, you may provide customers the option to enter coupons as they are checking out using PayPal Zettle. Custom Gift Cards: If you use Zettle, you may give gift cards to your customers either in physical form or electronically.


The Zettle mobile app and the web dashboard both provide businesses the ability to offer complete and partial refunds to customers. You are able to provide refunds for payments made with both cash and credit cards. You also should know that any fee for a payment method that you repay will be returned to you. This is something that you should keep in mind.

To issue a refund, you need to choose the transaction that should be repaid and complete the action. You may issue the refund up to 365 days from the date of the transaction, and you can even make prorated refund, but you can only do so via the application.

Support For Register Setup

You have the ability to configure Zettle to function as a full register by adding accessories like as money drawers, ipad supports, ticket printers, and barcode scanners.


PayPal is compliant with PCI-DSS and provides end-to-end encrypted transactions and secure transactions utilizing the encrypted Zettle Reader. In addition, PayPal enables end-to-end encrypted transactions. In order to prevent fraud, it does a thorough investigation of each transaction around the clock.

Furthermore, if you don’t have the customer’s direct oversight to save card details, the owner of the firm is not authorized to keep, track, monitor, or save user data. This is the case even if the owner has the customer’s explicit permission to save card information.

If you don’t have this approval, you should remove all card data from your system within twenty-four hours after receiving authorisation for it. If you don’t have this approval: In the event that PayPal is looking into any fraudulent activity, the company may potentially contact your customers.

Support and Customer Service

You will be making use of the main support mechanism provided by PayPal for Zettle. PayPal offers its users a wide variety of various support and customer care solutions.

Email help is available around the clock, but phone assistance is only available between the hours of 8 a.m. and 8 p.m. Central Time. In addition to that, there is a resolution center and a community forum.

In addition, the PayPal Community includes over a thousand users online at any one moment and over two million postings among its members who have contributed to the community. You are welcome to ask whatever you want, and in most cases, you will get a reply right away. However, PayPal does not guarantee that inquiries will be addressed in a timely manner.

PayPal Zettle: Customer Reviews

Trustpilot currently has over 3,300 customer reviews for Zettle (previously iZettle), with an average rating of 2.6/5 stars.

After doing some research into the various evaluations, I found that the positive reviews often center on the simplicity of usage, quick payouts, cost, and convenience of setting up the account. Others highlighted the benefit that, in contrast to other card processing organizations, Zettle does not demand a minimum quantity of sales in order to get the device.

The majority of the complaints in the bad reviews centered on connectivity problems and a dearth of other product integrations. Overall, the bulk of the assessments were good, and several of the companies emphasized how little time was required to educate new retail staff and volunteers.

PayPal Zettle: Overall verdict

In terms of its affordability, its convenience of use, and the absence of any commitments or long term obligations, the PayPal Zettle is, all things considered, one of the greatest options for small and medium-sized businesses (SMBs) who are wishing to take credit card payments.

The actual terminal is safe and fashionable, in addition to being very user-friendly and comfortable to grasp. There are a few drawbacks, one of which is that the card reader does not have a swipe feature, which means that it cannot take older prepaid cards that do not have a chip.

The bottom line is that in comparison to certain other POS readers, it packs a strong punch and gives companies the ability to apply discounts, record refunds, and issue receipts. Included in these capabilities are also the ability to manage inventories, keep an eye on goods that are particularly popular with customers, and measure the efficiency of staff members.

Even if it has certain flaws, it is still one of the best mobile point-of-sale (mPOS) applications available on the market right now.


About Zettle
Who is Zettle for?
The Zettle reader in detail
Cards accepted
Pricing and commissions
Ordering your Zettle Terminal
Shopify setup
How to receive funds
How to take payment
Support and customer service
Customer reviews
Overall verdict

Alternatives to Zettle

Logo of SumUp


Logo of Payanywhere


Logo of Clover


Our mission

We try to provide transparent information on the different products & services for entrepreneurs, the self-employed, freelancers and professionals.

We monitor multiple business sectors & issue opinions on various products and services that we view are worthwhile for any business to thrive and grow.

Our articles are written independently and the opinions expressed are our own. They are in no way reviewed by the various brands before we publish them.