Zettle
£350/mo est.
- Software/mo
- £0/mo
- Processing rate
- 1.75% flat
- Hardware
- First reader £29 / extra £69 / Terminal ~£149
- Contract
- No lock-in
- Industry
- Retail (light hospitality)
- Est. monthly cost
- £350/mo
Zettle
PayPal-owned flat-rate card reader with no monthly fee and same-rate Amex.
- Software/mo
- £0/mo
- Processing
- 1.75% flat
- Hardware
- First reader £29 / extra £69 / Terminal ~£149
- Contract
- No lock-in
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.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- No lock-in
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.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
Square
£350/mo est.
- Software/mo
- £0/mo (Plus tiers £49-69)
- Processing rate
- 1.75%
- Hardware
- Reader £19 / Stand £99 / Terminal £149 / Register £699
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £350/mo
SumUp
£338/mo est.
- Software/mo
- £0/mo (POS Pro from £49)
- Processing rate
- 1.69%
- Hardware
- Solo Lite £25 / Solo £79 / Terminal £135 / Tap-to-Pay £0
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £338/mo
talech
£379/mo est.
- Software/mo
- ~£29/mo (Elavon-quote-led)
- Processing rate
- 1.75% (via Elavon)
- Hardware
- talech Register all-in-one (~£500+, bundle)
- Contract
- 12 months (Elavon)
- Industry
- Both
- Est. monthly cost
- £379/mo
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