WhatsApp and Telegram +44 7563 115980
[email protected]
Zettle is now sold as PayPal Point of Sale, but the reader and the pricing are easy to follow. Here is what the Zettle machine costs, how payouts work and what to compare it with.
Published rates from every major UK card machine provider, plus the quoted rates that only come on request. You see them side by side, on your own takings.
The short answer
Zettle, now PayPal Point of Sale, charges 1.75% per card payment, the same rate for major cards and mobile wallets, even American Express, with no contract or monthly fee. A new business's first PayPal Reader costs £29 excluding VAT, extra readers £69, and the PayPal Terminal £149 excluding VAT. Read 26 October 2026.
Published prices read 26 October 2026 from each provider's own pricing page. Quote only means the provider gives rates on request; we obtain those for you.
| Provider | In-person card rate | Monthly fee | Card machine | Contract | Payouts |
|---|---|---|---|---|---|
| Zettle Source | 1.75% all major cards | £0 | PayPal Reader from £29; Terminal £149 (ex VAT) | None | Within minutes to PayPal balance |
| SumUp Source | 1.69% pay as you go, or 0.99% on Payments Plus (domestic cards) | £0, or £19 on Payments Plus | Solo Lite £25, Solo £79, Terminal £135 (ex VAT), bought outright | None, cancel anytime | Next day, 7am, weekends included |
| Square Source | 1.75% UK cards; +1.5% non-UK cards | £0, or Plus £29+ | Reader £19; Terminal £149 (ex VAT) | None, cancel anytime | Next day free; instant for 1.95% |
| myPOS Source | From 1.10% + 7p (under £10k a month) | £0 | Device prices not on fees page | Not published | Instant to myPOS account |
| Revolut Source | From 0.8% + 2p (UK consumer Visa and Mastercard) | £0 for the reader | Reader £49; Terminal £169 + VAT | None | Within 24 hours |
VAT is excluded where the provider states it. Rates are for in-person UK consumer cards unless stated. Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Tell us about your business. We compare the whole market, including the providers that only quote on request, and come back with the lowest total cost for your takings and the right machine. You keep a named account manager who looks after you after setup.
Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Many people still search for an iZettle card machine or an iZettle machine. Zettle's own pricing page now states that Zettle by PayPal becomes PayPal Point of Sale. In practice you are looking at the same thing: a PayPal card reader or terminal, the free PayPal POS app, and payments paid into a PayPal Business account.
The card machine works with the PayPal POS app, which PayPal describes as its no-additional-cost app, available from the Apple Store and Google Play Store. The app also lets you take Tap to Pay payments on your phone. PayPal does not state a separate Tap to Pay rate, so the standard 1.75% card rate is the figure to plan around.
Two things are not on the pricing page: customer support details and regulatory status. If you want a phone number before you buy, ask PayPal directly. All figures here were read on 26 October 2026.
Zettle keeps its pricing to one figure for in-person card payments: 1.75% per transaction, the same rate for major cards and mobile wallets, even American Express. That is useful for businesses with many Amex customers, as some providers charge more for those cards. Custom rates are possible, subject to a specific agreement with PayPal.
There are no contracts or recurring fees, and no long-term commitments or rentals. Other published charges are:
Because one rate covers every major card, you do not need to track which card your customers use. Your monthly cost is simply 1.75% of your card takings, plus anything you take by invoice or payment link at 2.5%.
The PayPal Reader is from £29. The offer is one reader per new business user at £29 excluding VAT. Additional card readers cost £69 excluding VAT. The PayPal Terminal costs £149 excluding VAT, and Store Kits, which bundle hardware for a counter, start from £169 excluding VAT. Delivery fees apply to hardware.
Because you buy the hardware, there is no monthly rental. A business that would otherwise pay £20 a month to hire a terminal spends £240 a year. The PayPal Reader costs £29 once, and the PayPal Terminal £149 once.
Payouts are the standout feature. 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 with no added fee. For a market trader who needs cash for stock the same day, that matters more than a small difference in rate.
On £2,000 a month of card sales at 1.75%, you pay £35 a month. On £5,000 a month you pay £87.50, and on £10,000 you pay £175.
For a mainly American Express business, Zettle's flat 1.75% is predictable: a £100 Amex sale costs £1.75, the same as a debit card. SumUp's pay-as-you-go rate of 1.69% also includes Amex, and costs £1.69 on the same sale.
Compare the first year at £3,000 a month. Zettle costs £630 in fees plus £29 for the first reader, a total of £659. SumUp at 1.69% costs £608.40 plus £79 for a Solo, a total of £687.40, though a £25 Solo Lite brings that to £633.40. Dojo at 1.2% costs £432 plus £149 for a Go Max, a total of £581.
The lesson: at low volumes the hardware price matters most. As takings grow, the rate matters more, and Zettle's 1.75% falls behind the lower published rates.
This review uses PayPal's published Zettle pricing, read on 26 October 2026.
Zettle competes most directly with the other buy-the-reader providers. These four are the closest comparisons, with figures read on 26 October 2026.
If you take mainly UK debit and credit cards, Revolut's and myPOS's lower starting rates are worth checking, but note their fixed per-payment fees of £0.02 and £0.07. If you value instant access to takings and use PayPal already, Zettle stays a sensible choice.
Zettle's 1.75% is the same for every major card, which is simple but rarely the cheapest option once your takings grow. PayPal itself offers custom rates by specific agreement. We compare the whole UK card machine market for your business, including providers that only quote in private. We take your real monthly takings, average sale and card mix to them and negotiate the rate on your behalf, so you are not comparing headline figures that do not fit your trade.
We then handle the switch for you, from the application to the timing of any exit from your current contract, so you are not left without a working card machine. You get a named account manager who stays with you after setup and checks your rate as your business grows. You pay us nothing for this. We may receive a fee from the provider you choose. Fill in the quote form to start.
One PayPal Reader per new business user costs £29 excluding VAT. Additional readers cost £69 excluding VAT. The PayPal Terminal costs £149 excluding VAT and Store Kits start from £169 excluding VAT. Delivery fees apply. Prices read 26 October 2026.
Zettle charges 1.75% per card payment, the same for major cards and mobile wallets, even American Express. There are no contracts or recurring fees. PayPal QR Codes cost 1.75%, Zettle Invoice 2.5% and Payment Links 2.5% for legacy sellers.
Yes, people still search for iZettle, and the product is now sold as PayPal Point of Sale. Zettle's pricing page states that Zettle by PayPal becomes PayPal Point of Sale. The reader, app and 1.75% rate are the same product.
Yes. PayPal states its 1.75% card rate is the same for major cards and mobile wallets, even American Express. So a £100 American Express sale costs £1.75, the same as a debit card. SumUp also includes Amex in its 1.69% pay-as-you-go rate.
Funds typically arrive in your PayPal Business account within minutes. You can spend the balance or set up automatic transfers to your bank account with no added fee. Most other providers in this comparison pay out the next day or the next working day.
No. PayPal states there are no contracts or recurring fees, and no long-term commitments or rentals. You pay for the hardware once and 1.75% per card payment. PayPal Reader prices start at £29 excluding VAT.
Tell us what you need and where you operate.