Zettle (PayPal Point of Sale)

Flat-rate card reader with no monthly fee and same-rate Amex, rebranding from Zettle to PayPal Point of Sale.

In-person rate: 1.75%
Online rate: 2.5%
Monthly fee: £0/mo
Contract: No contract

Best for

Sole traders and small businesses wanting a simple flat-rate reader with no monthly commitment.

Pricing breakdown

All prices in GBPLast verified 5 August 2026

Every fee we track, grouped by where it applies.

In-person payments

In-person terminal and tap-to-pay transactions.

Transaction rate: 1.75%
Monthly fee: £0/mo
Hardware cost: First reader £29 / extra £69 (excl VAT)
Setup fee: Free

Online payments

Online checkout and keyed-in card transactions.

Transaction rate: 2.5%
Payment links and invoices 2.5%, confirmed on zettle.com/gb/pricing. Keyed/manual entry is 3.4% + 20p. Payment Links were flagged temporarily unavailable for new sellers at research time.
Monthly fee: £0/mo
Setup fee: Free

Other fees

Chargeback fee: Contact provider
Zettle does not publish a chargeback fee on its UK pricing page. Ask before you sign.
AMEX rate: 1.75% (same flat rate)
Amex included in flat 1.75% rate.
International card surcharge: Contact provider
Zettle does not confirm an international card surcharge on its UK pricing page. Ask before you sign.
Early termination fee: None
No lock-in. Cancel anytime.
Instant payout fee: None stated
Settlement to PayPal balance is minutes for eligible accounts; no instant payout fee stated.
Refund fee: Contact provider
Zettle does not publish a refund fee. Ask before you sign.
PCI compliance fee: Contact provider
Zettle does not confirm PCI compliance fee status on its UK pricing page. Ask before you sign.

Contract terms

Contract length: No contract
Settlement time: Minutes to PayPal balance (new accounts); 1-2 business days (legacy); no weekend deposits
Recurring billing: Yes
Recurring invoices supported via Zettle.

Accepted payment methods

Cards, wallets, and other methods supported by Zettle (PayPal Point of Sale) for UK merchants.

Cards

Visa
Mastercard
AMEX
maestro
visa-electron
vpay
JCB
UnionPay
Diners Club
Discover

Digital wallets

Apple Pay
Google Pay
Samsung Pay

Other

international-cards

Strengths and trade-offs

Pros

No monthly fees
No lock-in contract
Flat rate includes Amex
Minutes-to-PayPal settlement

Cons

No weekend deposits for some accounts
Settlement to PayPal balance, not direct bank
No volume discount unless custom pricing

About Zettle (PayPal Point of Sale)

Zettle by PayPal is rebranding to PayPal Point of Sale (the change is live on its product pages, with the card reader itself now sold as the PayPal Reader). It offers a compact card reader and POS app at a flat 1.75% per transaction across all card types including Amex. There are no monthly fees and no lock-in contracts. Settlement arrives in minutes to a PayPal balance. Hardware starts from £29 for the first reader.

Zettle (PayPal Point of Sale) was founded in 2010 and is headquartered in Stockholm, Sweden.

How Zettle (PayPal Point of Sale) compares

Side-by-side with the closest alternatives by estimated cost.

Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.

Compare all providers

	Zettle (PayPal Point of Sale) £296.25/mo est.	SumUp £289.95/mo est.	Paymentsense £315.50/mo est.	Square £269.25/mo est.
In-person rate	1.75%	1.69%	1.40% + 5p	1.75%
Online rate	2.5%	2.5%	1.40%-2.49% + 50p	1.4% + 25p
Monthly fee	£0/mo	£0/mo	~£50+/mo	£0/mo (Free plan)
Hardware cost	First reader £29 / extra £69 (excl VAT)	Solo Lite £25 / Solo £79 / Tap-to-Pay £0 (excl VAT)	Ingenico terminal (rental; purchase price not published)	Reader £19 / Stand £99 / Terminal £149 / Register £699 (excl VAT)
Contract length	No contract	No contract	Contact provider	No contract
Settlement time	Minutes to PayPal balance (new accounts); 1-2 business days (legacy); no weekend deposits	Next business day (including weekends with SumUp business account)	Next working day	Next business day (instant at 1.5% fee)
Est. monthly cost	£296.25/mo	£289.95/mo	£315.50/mo	£269.25/mo
	Visit Zettle (PayPal Point of Sale)	View details	View details	View details

Zettle (PayPal Point of Sale)

£296.25/mo est.

In-person rate: 1.75%
Online rate: 2.5%
Monthly fee: £0/mo
Hardware cost: First reader £29 / extra £69 (excl VAT)
Contract length: No contract
Settlement time: Minutes to PayPal balance (new accounts); 1-2 business days (legacy); no weekend deposits
Est. monthly cost: £296.25/mo

Visit Zettle (PayPal Point of Sale)

SumUp

£289.95/mo est.

In-person rate: 1.69%
Online rate: 2.5%
Monthly fee: £0/mo
Hardware cost: Solo Lite £25 / Solo £79 / Tap-to-Pay £0 (excl VAT)
Contract length: No contract
Settlement time: Next business day (including weekends with SumUp business account)
Est. monthly cost: £289.95/mo

View details

Paymentsense

£315.50/mo est.

In-person rate: 1.40% + 5p
Online rate: 1.40%-2.49% + 50p
Monthly fee: ~£50+/mo
Hardware cost: Ingenico terminal (rental; purchase price not published)
Contract length: Contact provider
Settlement time: Next working day
Est. monthly cost: £315.50/mo

View details

Square

£269.25/mo est.

In-person rate: 1.75%
Online rate: 1.4% + 25p
Monthly fee: £0/mo (Free plan)
Hardware cost: Reader £19 / Stand £99 / Terminal £149 / Register £699 (excl VAT)
Contract length: No contract
Settlement time: Next business day (instant at 1.5% fee)
Est. monthly cost: £269.25/mo

View details

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