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Is the New PayPal POS Right for You?


PayPal Zettle logo

Zettle is a well known cellular POS system utilized in Europe. PayPal acquired it in 2018, and in July 2021, launched it to america. It now replaces PayPal Right here, though PayPal says it’ll proceed to assist Right here customers in the intervening time.

Zettle makes use of PayPal for its cost processing and offers an entire POS system for tablets or cellular. You will get a PIN pad card reader for it, or buy a complete POS system. The software program is well-regarded by customers and user-friendly for buyers.

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Who PayPal Zettle Is Proper For

We’ve reviewed scores of POS programs, and after analyzing Zettle, we discover it a powerful mobile payments competitor to Sq., the trade chief. It’s easy sufficient for the solopreneur and, with PayPal’s processing charges, a very good possibility for the hobbyist.

Briefly, PayPal Zettle is greatest for:

  • PayPal customers wanting free POS software program: Whereas PayPal simply integrates into among the best POS systems, Zettle wants no integration and is a logical selection should you already use PayPal for funds and want a easy POS.
  • Artists, crafters, and hobbyists: As a result of it’s free and has nice processing charges, Zettle is a terrific selection for many who promote on an irregular foundation, like at craft gala’s or conventions.

When to Use an Different

  • New or rising brick-and-mortar companies: Not like our top-recommended free POS, Sq., PayPal Zettle doesn’t have any paid plans or add-ons to develop with what you are promoting, so chances are you’ll rapidly want a extra strong system. See how PayPal compares to Square to study extra.
  • Companies who promote primarily by means of an internet retailer: PayPal has an internet retailer, a digital terminal, and integrations, however they don’t work by means of Zettle. It’s restricted to 4 integrations, together with three for on-line buying carts. In order for you a system that integrates gross sales and stock throughout all channels, have a look at our record of the best multichannel POS systems.
  • Eating places: Zettle has some options that may work in a restaurant, like printing order numbers on receipts, nevertheless it’s not the most suitable choice. Try our record of top-rated restaurant POS systems for higher choices. Zettle does have a Meals & Drink answer, nevertheless it prices additional, is iOS solely, and isn’t but out there within the US.
  • Shops needing complicated stock: Zettle has some stock features, like low inventory alerts and variants, however lacks kitting and vendor administration. Try our record of best POS inventory systems for one thing extra superior.

PayPal Zettle Overview

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PayPal Zettle Pricing

Zettle’s software program is totally free—no trials, no premium plans. PayPal Zettle charges are 2.29% + 9 cents for card-present transactions, and three.49% + 9 cents for keyed-in transactions. The charges are extraordinarily affordable. Chargeback charges are $20.

PayPal Zettle Fee Processing

PayPal is a extremely fashionable service provider service for small companies as a result of it really works equally effectively for brick-and-mortar shops, tradespeople, and hobbyists who promote their wares. It processes bank cards, on-line and touchless funds, bitcoin, and, in fact, PayPal. Be taught extra about PayPal as a commerce platform and about its pros and cons in our articles.

  • Zettle processing charges: Its charges are sometimes cheaper than different flat-rate cost processors—specifically, Sq., which is its closest competitor. Nevertheless, there are alternate options, together with people who present interchange-plus pricing, which can present higher charges should you do high-volume enterprise. Discover alternate options in our overview of the best merchant services. You can’t use Zettle software program with them, nonetheless.
  • Worldwide gross sales: PayPal processes funds in over 200 nations and 100 currencies. For a further price, it’ll do cross-border transactions as effectively. Nevertheless, we didn’t discover any instruments inside Zettle to assist this, similar to a number of forex designations, though you possibly can set it on your most popular forex. You may set totally different VAT charges, nonetheless.
  • Transaction and processing limits: Zettle can course of as much as $500,000 in 24 hours ($10,000 per transaction) for chip and PIN transactions. For chip and signature funds, the 24-hour restrict lowers to $200,000. This may very well be adequate for many small companies. Of extra significance, maybe, is the minimal transaction restrict of $1.
  • Deposit velocity: PayPal Zettle deposits every day into your PayPal account, however transferring funds right into a checking account takes two or extra days. PayPal has been identified to carry funds for as much as 30 days, as effectively. The most typical grievance towards PayPal (which has been carried to Zettle) is withheld funds.
  • No obligation: PayPal doesn’t cost month-to-month charges or have contracts like many different cost processors do. That makes it simple to make use of when beginning out, or as a further service.

There’s lots to contemplate when selecting a service provider service. In case you are simply beginning out, learn our information on merchant services and study what they need to do for you earlier than signing up with anybody.

PayPal Zettle {Hardware}

Zettle card readers are $79, with the primary one discounted to $29. Not like different fashionable cellular cost processors like Sq. or Payanywhere, it doesn’t supply a free reader. Nevertheless, PayPal’s reader processes chip, faucet, or swipe and has a PIN pad, which is greater than most free readers supply. It runs roughly eight hours or 100 transactions between expenses. It’s EMV (Europay, Mastercard, and Visa) licensed as effectively. In order for you one thing related with Sq., for instance, you would want to improve to a card reader terminal, which prices $299. You may order the PayPal reader by means of the app, though, mockingly, you can’t pay for it with PayPal.

Screenshot of PayPal Zettle card readers

Zettle’s card readers are EMV-approved.
(Supply: PayPal)

Zettle has {hardware} POS kits that price $249–$699, which makes them among the many least costly POS programs that we’ve reviewed. The kits embody combos of contact display, receipt printer, and different peripherals. The most cost effective, for instance, has a reader, a dock, and a stand for an iPad. Different peripherals embody receipt printers and barcode scanners.

PayPal doesn’t promote a Zettle POS terminal. As a substitute, you employ an iPad. PayPal can promote these as additions to the kits.

PayPal Zettle Options

Zettle’s register has a clear interface, is simple to make use of, and has lots going for it, like producing order tickets, permitting prospects to incorporate ideas, printing receipts, issuing refunds, and extra. A small enterprise will discover it passable, and its simplicity is an asset.

Screenshot of PayPal Zettle QR code sample

Zettle enables you to settle for funds by QR code.
(Supply: Zettle.com)

  • Fee varieties: You may settle for bank cards, present playing cards, PayPal, and Venmo. The cardboard reader is EMV licensed, which is now required by legislation within the US. (For guide card entry, you want a PayPal Enterprise account.) Whereas PayPal additionally accepts bitcoin, there’s no setting for this on Zettle. You may also file money transactions.
  • QR codes: A characteristic that’s rising in recognition with POS software program is producing a QR code that your buyer can scan in an effort to pay. You have to activate this characteristic on Zettle to make use of it.
  • Promote by items: You may set your costs within the stock part to promote by items, similar to ounces, circumstances, and so on. Remember the fact that there’s no kitting functionality.
  • Partial refunds: Zettle not too long ago added partial refunds, permitting you to refund the price of a number of gadgets on a receipt quite than your complete transaction.
  • A number of logins: you possibly can arrange logins on your workers to trace gross sales. You may also deal with a number of accounts on one machine, switching between them as wanted. That is one approach to get round the truth that Zettle, not like Sq., doesn’t have multilocation features.

Zettle’s stock software program may be very easy however has a number of options that may make it a strong device. Nevertheless, it doesn’t deal with distributors, create kits, or construct menu gadgets.

  • Bulk actions: You may load, assign classes, and delete gadgets in bulk.
  • Low-stock alerts: Zettle tracks gadgets and points low-stock alerts. These present up within the buying cart if you end up promoting a low-stock merchandise.
  • Variants: You may add as much as three choices. These are pre-defined as Colour, Dimension, Model, Materials, and End. When you set the variant, you create totally different values and assign a value to every.
  • Reward playing cards: You may handle present playing cards which might be premade, emailed, or bodily created by you. These are tracked in stock.
Screenshot of PayPal Zettle product library sample

The stock part is fundamental however consists of variants and inventory counts.
(Supply: Zettle app)


Whereas PayPal is thought for its huge variety of integrations, Zettle solely has 4: BigCommerce, Shopify, and WooCommerce for on-line gross sales, and QuickBooks for accounting. Nevertheless, you need to use the PayPal app nearly wherever, from social media to eBay.

Screensho of PayPal Zettle integrations

Zettle itself has just a few integrations.
(Supply: Zettle app)


Zettle solely gives fundamental gross sales stories, together with an summary of a specific interval, gross sales by product or class, employees efficiency, funds made, charges paid and refunds granted. You may export your stories or knowledge in PDF or Excel format.

Screenshot of PayPal Zettle report sample

Zettle’s stories are mobile-optimized to allow them to be learn on smartphones too.
(Supply: Zettle.com)


PayPal’s Zettle cellular app requires iOS 10, or Android 5.0, or increased. It has an entire register and backend system, from ringing up bank card gross sales to analyzing gross sales stories. Current complaints embody the cardboard reader not connecting, modifications as a result of acquisition by PayPal, and issues with a latest improve making it exhausting to log in. Nevertheless, nearly all of the opinions say it’s simple to make use of.

Screenshot of PayPal Zettle products example

Zettle’s smartphone POS app does almost all the things the online app can.
(Supply: Google Play Retailer)

As of this writing, the apps have these scores:


Zettle is EMV-approved and complies with the strict Fee Card Trade Information Safety Commonplace (PCI DSS) for dealing with card knowledge. Zettle makes use of superior, machine studying programs to watch each transaction being processed, 24-hours a day, to flag suspicious exercise.

When a buyer information a dispute, PayPal offers you an opportunity to handle the problem, and if it may be resolved, then there are not any expenses. You’ve 20 days to work with the shopper to repair any issues, but when both you or the client escalates the dispute to a declare, PayPal offers 10 days. If it can’t be resolved, and the shopper is refunded their cash, PayPal expenses you a $20 chargeback price. There isn’t a price for financial institution reversals.


PayPal Zettle Ease of Use

  • 24/7 e mail assist
  • PayPal continues to be transitioning to Zettle
  • Assist part isn’t at all times simple to look
  • No offline mode
  • Very simple to make use of
  • Complicated cost construction when utilizing worldwide gross sales

Like most of PayPal’s merchandise, Zettle is simple to make use of and fashionable. For every day use, the dearth of offline mode might trigger issues if you’re away from knowledge or Wi-Fi.

PayPal continues to be supporting Right here and transitioning to Zettle within the US, so there’s not as a lot details about it as about PayPal Right here. We did have some points discovering definitive solutions to questions when utilizing the search within the assist part, however the articles themselves had been clear, albeit unillustrated. Help is 24/7 however by e mail.

Prime PayPal Zettle Alternate options

If you happen to’re unsure PayPal Zettle is best for you, see the way it compares with our top POS systems and best mobile payment processors.

What Customers Assume About PayPal Zettle

The one opinions we discovered had been on Trustpilot, the place Zettle has about 3,000 opinions and a rating of 3.6 out of 5. There have been complaints about PayPal taking it over, and significantly about accounts being frozen. Of all of the complaints about PayPal providers, that is the most typical. One other frequent grievance was the dearth of assist, both dwell or within the type of assist articles.

Alternatively, folks stated the system itself was simple to make use of. There are a number of shining stars within the assist division who had been talked about by identify. The cardboard reader additionally acquired reward.

When studying by means of consumer opinions, listed below are among the traits that I seen:

Backside Line

PayPal is a remarkably versatile cost processor that works in on-line shops, social websites like Fb, multichannel gross sales like eBay, and extra. Nevertheless, its POS app, Zettle, is considerably restricted. You should use it for fundamental stock, ringing up gross sales, and present playing cards. Nonetheless, it’s free to make use of, and with low transaction charges, it’s a very good device for solopreneurs or small companies.

In case you have a PayPal account, go to my.zettle.com and enroll now.

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