Zettle Card Reader PayPal: Pricing, Features, and More

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Deliveryman Scanning Payment of Customer with Terminal
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The Zettle card reader is a game-changer for small businesses and entrepreneurs who need a reliable and affordable payment solution. It's compatible with PayPal, allowing you to accept payments online and offline.

The Zettle card reader is free to use, with no monthly fees or contracts. You only pay for the transactions you process.

With the Zettle card reader, you can accept all major credit and debit cards, including Visa, Mastercard, and American Express. This means you can cater to a wide range of customers and increase your sales potential.

The Zettle card reader is also equipped with features like contactless payments, which allow customers to make quick and easy payments with just a tap of their card or phone.

What Is Zettle Card Reader

The Zettle card reader is a device that helps you accept credit card payments. It's designed to be easy to use and connect to your device via Bluetooth.

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The first Zettle card reader costs $29, plus tax, and additional readers cost $79, plus tax. This can be a one-time payment, depending on how many readers you need.

Zettle's card reader is compatible with various payment methods, including chip cards, contactless (NFC) cards, Apple Pay, Samsung Pay, and Google Pay. This means you can accept a range of payments from your customers.

The Zettle Reader 2, which is one of their card readers, has a battery life of eight hours or 100 transactions. This is a significant amount of time, allowing you to process payments without needing to recharge.

Suggestion: Venmo for Dummies

Pricing and Fees

Zettle's pricing is quite straightforward, with no monthly fee and no plan tiers. This is because Zettle is owned by PayPal, which wants to encourage as many customers as possible to make PayPal transactions.

The service charges various per-transaction fees, which can be broken down into four types. For card-present transactions, such as swiping or inserting a credit or debit card, the fee is 2.29% + 9 cents. This includes QR code transactions, which are charged the same fee.

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Here's a breakdown of Zettle's transaction fees:

Zettle also charges a higher fee for keyed-in transactions, at 3.49% + 9 cents, and no fee for cash transactions.

Pricing

PayPal Zettle has no monthly fee, which is a great advantage for small businesses and pop-up stores. This is because Zettle wants to attract as many customers as possible to make PayPal transactions.

The service charges per-transaction fees, which can be broken down into four types: card-present transactions, keyed-in transactions, invoice fees, and cash transactions. Card-present transactions cost 2.29% + 9 cents, while keyed-in transactions cost 3.49% + 9 cents.

Zettle also charges invoice fees, which are a little higher, at 3.49% + 49 cents for PayPal payments and 2.99% + 49 cents for cards or alternative payment methods. Cash transactions, on the other hand, incur no fee.

Here's a breakdown of Zettle's transaction fees:

Zettle's pricing is considered reasonable, especially for small businesses and pop-up stores. However, the per-transaction fee can become prohibitive with numerous transactions.

Downsides

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One of the downsides of using PayPal Zettle is that funds are deposited to your PayPal account, not directly to your business bank account. This can be a hassle for some merchants who prefer to have direct access to their money.

PayPal's fraud detection measures can be excessive, which may lead to funds being held or accounts being frozen or terminated. This can be frustrating for businesses that are trying to operate smoothly.

PayPal Zettle also has fewer features than some of its competitors, such as Square. For example, Square allows retailers to scan and print barcodes, which can be a useful feature for some businesses.

Some merchants may find that PayPal's cautious approach to fraud detection is too restrictive, and may prefer to use a traditional credit card processor instead. This is especially true for businesses that have a high volume of transactions or a lot of chargebacks.

If this caught your attention, see: Square Tap to Pay on Iphone

Hardware and Accessories

The Zettle card reader PayPal offers is a great way to start accepting in-person payments.

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The Zettle app is free to download, but the hardware costs can add up quickly. The first card reader will cost $29, plus tax, and each additional reader after the first will cost $79, plus tax.

You can use the Zettle app to set up your card reader and sync it to your account. The Zettle Reader 2 supports chip cards, contactless (NFC) cards, Apple Pay, Samsung Pay, and Google Pay.

If you opt for a terminal instead of a card reader, you'll have several different configurations to choose from. A terminal only costs $199, while a terminal with a built-in barcode scanner costs $239.

Here are the hardware and accessories you can get from Zettle:

  • Card reader: $29 (first one), $79 (additional ones)
  • Terminal: $199 (only), $239 (with barcode scanner), $269 (with printer and dock)
  • Zettle dock: $49
  • Rotating iPad stand: $159
  • Cash drawer: $119
  • Barcode scanner: $229

Features and Benefits

Zettle card reader PayPal offers a range of features and benefits that make it an attractive option for businesses.

You can accept multiple payment options, including all major credit cards, debit cards, Venmo, Apple Pay, Samsung Pay, Google Pay, QR codes, PayPal, and more.

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The software is easy to use, with a merchant-friendly design that allows you to customize it to suit your needs. You can calculate sales tax, apply discounts, suggest tips, send invoices, and run sales reports with ease.

Zettle's POS inventory management features enable you to manage your stock levels effectively, with features such as uploading product photos, adding prices and variations, and organizing items into categories or lists.

You can also generate sales reports from Zettle, choosing from weekly, monthly, annual, or custom periods, and filter by date, salesperson, product, or payment type.

The software is secure, with end-to-end encryption and encrypted card readers to protect your transactions.

Tap to Pay on Android

Tap to Pay on Android is a convenient feature that allows you to accept payments with just a tap of a contactless card or device on your Android phone.

To use Tap to Pay on Android, you'll need a device with Android 8.0 and above, NFC capabilities, and Google Play services.

On a similar theme: Tap to Pay Apps for Android

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You can download the Zettle by PayPal app on your Android and sign up to get started.

To enable Tap to Pay on Android, you can do so via the app settings or by selecting it as the payment method when accepting your first contactless payment.

Here's a step-by-step guide to accepting payments with Tap to Pay on Android:

  1. Download the Zettle by PayPal app and sign up.
  2. Enable Tap to Pay on Android via settings or by selecting it as the payment method.
  3. Invite the customer to tap their contactless card or device on the back of your Android phone.
  4. Once the approved screen is shown, the transaction is complete.

Benefits

PayPal Zettle offers numerous benefits to businesses that want to accept payments. It supports numerous payment types, including all major credit cards, debit cards, Venmo, Apple Pay, Samsung Pay, Google Pay, QR codes, and PayPal.

One of the key benefits of using PayPal Zettle is that it's easy to use. Zettle's merchant-friendly hardware and software are designed to be user-friendly, making it easy to customize the software to calculate sales tax, apply discounts, suggest tips, send invoices, and more.

You can also use PayPal Zettle to manage your inventory. The software's POS inventory management features allow you to upload product photos to a catalog, add prices and variations, like size or color, and organize your items into categories or lists.

If this caught your attention, see: Bank of America Credit Card Benefits Guide

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PayPal Zettle also has sales reporting tools that allow you to run POS sales reports from Zettle and choose weekly, monthly, annual, or custom periods. You can also filter your sales by date, salesperson, product, or payment type.

In addition to these features, PayPal Zettle lets you control employee access. You can add employees to your account as unique users with their own usernames and passwords, and decide which features they can access.

Another benefit of using PayPal Zettle is that it's secure. The software uses end-to-end encryption (in addition to providing encrypted card readers) to keep your transactions secure.

Here are some of the key benefits of using PayPal Zettle:

  • Accepts multiple payment options, including credit cards, debit cards, Venmo, Apple Pay, Samsung Pay, Google Pay, and more
  • Easy to use, with user-friendly hardware and software
  • Supports inventory management, including product photos, prices, and variations
  • Has sales reporting tools, including filtering by date, salesperson, product, and payment type
  • Lets you control employee access, with unique user accounts and customizable permissions
  • Secure, with end-to-end encryption and encrypted card readers

Frequently Asked Questions

Is PayPal Zettle card reader free?

No, there are no monthly fees for using Zettle's card reader. However, a 1.75% transaction fee applies to all payments processed through the service.

Is Zettle by PayPal legit?

Zettle by PayPal is a reliable payment solution, backed by PayPal's trusted brand. Its comprehensive functionality and integration make it a great choice for small and medium-sized businesses

What is Zettle with PayPal?

Zettle with PayPal is a suite of commerce tools that empowers small businesses to compete with larger retailers. It offers simple, easy-to-use technology to help businesses grow and succeed.

What is the cost price in Zettle?

Zettle charges a fixed transaction fee of 1.75% for card and contactless payments, regardless of the card used. This fee applies to all transactions processed with the Zettle Reader or Terminal.

Caroline Cruickshank

Senior Writer

Caroline Cruickshank is a skilled writer with a diverse portfolio of articles across various categories. Her expertise spans topics such as living individuals, business leaders, and notable figures in the venture capital industry. With a keen eye for detail and a passion for storytelling, Caroline crafts engaging and informative content that captivates her readers.

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