Already with Zettle by PayPal?
Overview of Zettle by PayPal
Zettle by PayPal offers pay-as-you-go card acceptance, integrated point-of-sale and integration with PayPal's broader ecosystem. It is widely used by smaller UK businesses that value simple pricing and no fixed terminal contract.
Like other blended pay-as-you-go providers, Zettle's headline rate is straightforward, but the effective rate paid at month-end depends on card mix, refunds and any add-on services in use.
Common fees businesses should check
Applied to all card payments.
Usually a one-off purchase.
Where Zettle is used alongside PayPal services.
Want us to check these fees on your Zettle statement?
Check If I'm OverpayingContract terms and considerations
- Core card acceptance is typically contract-free for the reader itself.
- Bundled POS, hardware or other PayPal services may carry their own terms.
Exit fees and early termination
- There is usually no formal exit fee on the core reader product.
- Always check any bundled subscriptions or financing arrangements individually.
We never guarantee to pay your exit fees or that you can be released from a contract. Any support with exit costs is dependent on selected alternative providers, is subject to approval and is only considered when switching makes clear financial sense.
Common reasons businesses request a review
- Steady monthly turnover that may now justify a managed merchant account.
- High volume of larger-value transactions where blended percentage pricing is less efficient.
- Owner wants an independent benchmark before committing to additional PayPal services.
Frequently asked questions
Will reviewing my Zettle statement contact Zettle?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave Zettle after the review?
Not at all. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a Zettle statement review take?
Most reviews are returned within a few working days once we have a recent monthly statement.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any hidden extras specific to your account.
Get an independent view on your Zettle setup
Two numbers — your monthly card bill and annual turnover — and we'll estimate your effective rate against the UK average. Send your statement and we'll email a full written breakdown within 30 minutes (8am–6pm, 7 days a week).
Takes 30 seconds. Statement optional.
Related providers
SumUp
A pay-as-you-go card payments provider widely used by sole traders, market stalls and small businesses across the UK.
Dojo
A UK-focused card payments provider known for next-day settlement and modern terminals, often used by hospitality and retail.
Teya
Formerly SaltPay - a European payments provider widely used by UK small businesses, particularly hospitality and independent retail.
Pricing models & rates
How UK card processing is priced — interchange-plus, blended, IC++ — and what a fair rate looks like.
Start with the pillar: How Card Payment Pricing Works in the UKRelated reading
Card Payment Costs For UK SMEs
A realistic look at what UK small businesses typically pay to accept card payments - and where the cost most often hides.
How Card Payment Pricing Works in the UK
Blended, Interchange Plus, IC++ and pay-as-you-go pricing explained — with real UK rate examples, when each model wins, and the trade-offs behind the headline percentage.
How To Reduce Card Processing Costs
Practical, vendor-neutral steps any UK business can take to bring down card processing costs without compromising service.