Zettle
£296/mo est.
- In-person rate
- 1.75%
- Online rate
- 2.5%
- Monthly fee
- £0/mo
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £296/mo
Zettle
PayPal-owned flat-rate card reader with no monthly fee and same-rate Amex.
- 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 19 June 2026Every 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
- 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
Chargeback fee not published on zettle.com/gb/pricing. UNVERIFIED.
- AMEX rate
- 1.75% (same flat rate)
Amex included in flat 1.75% rate.
- International card surcharge
- Contact provider
International card surcharge not confirmed on zettle.com/gb/pricing. UNVERIFIED.
- 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
Refund fee not published. UNVERIFIED.
- PCI compliance fee
- Contact provider
PCI compliance status not confirmed on zettle.com/gb/pricing. UNVERIFIED.
Contract terms
- Contract length
- No contract
- Recurring billing
- Yes
Recurring invoices supported via Zettle.
Accepted payment methods
Cards, wallets, and other methods supported by Zettle 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
Zettle by PayPal 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 was founded in 2010 and is headquartered in Stockholm, Sweden.
How Zettle 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.
SumUp
£290/mo est.
- In-person rate
- 1.69%
- Online rate
- 2.5%
- Monthly fee
- £0/mo
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £290/mo
Paymentsense
£316/mo est.
- In-person rate
- 1.40% + 5p
- Online rate
- 1.40%-2.49% + 50p
- Monthly fee
- ~£50+/mo
- Terminal cost
- —
- Contract length
- Contact provider
- Settlement time
- —
- Est. monthly cost
- £316/mo
Square
£269/mo est.
- In-person rate
- 1.75%
- Online rate
- 1.4% + 25p
- Monthly fee
- £0/mo (Free plan)
- Terminal cost
- —
- Contract length
- No contract
- Settlement time
- —
- Est. monthly cost
- £269/mo
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