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PayPal is best known for its payment processing services for online merchants and shoppers. But did you know the company also has a payment processing solution for in-store and mobile retailers? We’ll explain everything you need to know about PayPal Zettle to help you determine if it’s the right payment acceptance solution for your business.
PayPal Zettle is a credit card reader and point-of-sale (POS) business solution that helps merchants accept a wide variety of mobile and in-store customer payments. It offers a full suite of POS hardware and provides free POS software. Zettle replaced PayPal’s previous mobile payment solution, PayPal Here.
The terms “PayPal” and “PayPal Zettle” can be confusing. Here’s what they mean:
Signing up for PayPal Zettle is straightforward:
PayPal Zettle’s costs are reasonable. You’ll pay processing fees on each transaction and incur hardware costs. There are no sign-up fees, contracts or monthly fees.
While credit card processing fees can be pricey, PayPal Zettle’s rates are reasonable. They differ by transaction type — how you accept the customer’s payment. Here’s how it breaks down:
Transaction type | Transaction fee percent | Additional transaction fee |
---|---|---|
Card-present transactions | 2.29 percent | $0.09 |
Manual card entry transactions | 3.49 percent | $0.09 |
QR code transactions | 2.29 percent | $0.09 |
Invoicing (PayPal payments) | 3.49 percent | $0.49 |
Invoicing (cards and alternative payment methods) | 2.99 percent | $0.49 |
Accepting in-person payments with PayPal Zettle requires the Zettle app and/or some type of physical credit card machine. Here are your options:
PayPal Zettle brings numerous benefits to businesses that want to accept payments, including the following:
PayPal Zettle isn’t for everyone. The following downsides may steer some businesses away from Zettle:
PayPal Zettle isn’t the only option for merchants who want a straightforward mobile payment processing solution. Check out these alternatives:
An easy-to-use POS solution like PayPal Zettle can help you boost customer convenience and your bottom line. By allowing customers to pay with their preferred payment methods, merchants can increase customer satisfaction and operational efficiency. Zettle is a great choice for accepting in-person payments — especially if you already have a PayPal account and want an affordable, straightforward solution.
Sally Herigstad contributed to this article.