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Zettle by PayPal card machine fees

Zettle by PayPal (now PayPal Point of Sale) charges 1.75% on card payments, including American Express, with no monthly fee or contract. The first PayPal Reader costs £29 plus VAT for new business users.

Zettle by PayPal was formerly called iZettle, so older guides and searches may still use that name.

What does Zettle by PayPal charge?

Zettle by PayPal (now PayPal Point of Sale) charges 1.75% per card payment, the same rate for American Express and mobile wallets, with no monthly fee, no fixed fee per sale and no contract. The first PayPal Reader costs £29 plus VAT for new business users, and extra readers cost £69 plus VAT. Payment Links cost 2.5% but are temporarily unavailable to new sellers.

Want to see how Zettle by PayPal stacks up for your own takings? Use the card machine fees calculator, or see every provider on the comparison table.

Zettle by PayPal at a glance

Plan compared	Pay as you go
Monthly fee	£0.00 (checked 19 October 2026)
In-person rate	1.75% per sale (checked 19 October 2026)
Online / payment links	2.5% per sale (checked 19 October 2026)
Amex / commercial cards	Same as standard rate
Reader (buy)	£29.00 (checked 19 October 2026)
Reader (rent)	£0.00 a month
Contract	None
Payouts	Same day

What Zettle by PayPal would cost: worked examples

Estimated monthly cost for three example businesses taking all payments in person, using the figures above.

Example business	Per month	Effective rate	First year (incl. reader)
Low: £800/month, £15 average sale	£14.00	1.75%	£197.00
Medium: £3,000/month, £20 average sale	£52.50	1.75%	£659.00
Higher: £12,000/month, £35 average sale	£210.00	1.75%	£2,549.00

Who Zettle by PayPal suits

Small businesses already using PayPal
Traders who want one flat rate for every card type, including Amex
Businesses that want no contract or monthly fee

Things to check before signing up

The £29 reader price is a new-user offer; extra readers cost £69 plus VAT
Payment Links (2.5%) are temporarily unavailable to new sellers
Money lands in your PayPal Business account first, not straight in your bank

Check current prices on Zettle by PayPal's website.

Zettle by PayPal head to head

Compare Zettle by PayPal with

Frequently asked questions

What does Zettle charge per transaction?

1.75% per card transaction, the same for major cards and mobile wallets including American Express, according to PayPal's UK pricing page. Payment Links cost 2.5%, but PayPal says they're temporarily unavailable to new sellers.

Does Zettle have a monthly fee?

No. PayPal says there are no contracts or recurring fees: you pay per transaction plus the hardware you buy. The PayPal POS app has no extra cost.

How much is the Zettle (PayPal) card reader?

£29 plus VAT for your first PayPal Reader if you're a new business user. Additional readers cost £69 plus VAT, and delivery fees apply.

Is Zettle the same as PayPal Point of Sale?

Yes. Zettle by PayPal is becoming PayPal Point of Sale, and the reader is now sold as the PayPal Reader.

When do I get my money from Zettle?

PayPal says funds typically arrive in your PayPal Business account within minutes. From there you can spend the balance or set up automatic transfers to your bank.

Is Zettle cheaper than SumUp or Square?

See SumUp vs Zettle and Square vs Zettle for side-by-side figures.

Where do these Zettle by PayPal prices come from?

Zettle by PayPal's own UK pricing and help pages (listed under Sources below), on the date shown next to each figure. Prices change, so always confirm on Zettle by PayPal's site before you sign up.

Sources and last checked

Zettle by PayPal UK pricing — checked 19 October 2026

Last reviewed 19 October 2026 by Oliver Burton. Editorial policy.