PayPal Zettle
PayPal Zettle is a mainstream acquirer operating across in-person card payments. The published rate, settlement and contract terms are in the commercial profile below.
Verifiable identifier chain
- Legal entity
- PayPal UK Ltd
- FCA Firm Reference Number
- FRN 994790 ↗
- Companies House
- 14741686 ↗
- OpenCorporates
- View ↗
Commercial profile
- Headline rate
- 1.75% on all cards, including Amex
- Settlement
- 1 to 2 business days
- Contract
- No contract
- Channels
- In-person card payments
- Tier
- Mainstream acquirer
Rate source: Zettle UK pricing; hardware price: Zettle card reader page, checked 23 September 2026. Published rates change, so confirm with PayPal Zettle before you sign.
Editorial notes
Cheapest hardware entry point: the card reader (now sold as the PayPal Reader) is £29 + VAT for your first reader as a new business user, then £69 + VAT for each extra reader.
Hardware reviews
We've reviewed the hardware tier behind PayPal Zettle. See the full review at PayPal Zettle review.
More from the index
See the full PayPal Zettle fee breakdown with the current published price table. Compare against the full Card Acquirer Index or check the head-to-head matchups.
Official site: PayPal Zettle
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last updated:
Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.