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PayPal Zettle Review 2024: Features & Pricing

PayPal Zettle is a simple POS system that can take payments and help you manage inventory and track sales.
By Lisa A. Anthony, Karrin Sehmbi
Last updated on January 26, 2024
Edited bySally Lauckner
Fact checked and reviewed

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Our Take

The bottom line:

PayPal Zettle delivers the essentials at a relatively low cost with a small commitment. But consider other options if you want features like customer loyalty and email marketing programs. Although Zettle can expand through hardware, it doesn’t offer plan upgrades or those types of add-ons.
Full review

PayPal Zettle

Payment processing fees
2.29% + 9¢ in-person; 3.49% + 9¢ keyed.
Monthly fee

Pros & Cons


  • No monthly software fees for accepting in-person payments.
  • No long-term contract or termination fees.
  • Accepts a variety of payment types, including Venmo and PayPal payments.
  • Inexpensive card reader with a keypad, plus built-in payment processing and a free mobile app lets you quickly accept in-person payments on the go.


  • Online transaction rates are difficult to parse out, and selling online may involve additional monthly charges.
  • No offline mode.

Full Review

PayPal Zettle is a point-of-sale system that lets businesses take payments, track inventory and sales and receive reports. It replaced PayPal Here in 2021.
Zettle may be a good choice if you’re looking for an entry-level POS system or a PayPal mobile card reader. The PayPal Zettle POS app is free and can be downloaded from the App Store or Google Play. After downloading the Zettle app to your device, you can create an account and order a card reader. The card reader lets you accept credit and debit card transactions and contactless payments.
Your mobile device acts as a POS to take payments, track sales, generate reports, manage inventory and monitor staff productivity. You’ll also have the option to collect customer email addresses and integrate with accounting and e-commerce apps.

PayPal Zettle is best for businesses that:

  • Prioritize payment processing over full-service POS. PayPal Zettle makes it easy to get up and running quickly to accept payments, but it lacks POS tools and features beyond the basics.
  • Already have a PayPal account or don’t mind opening one. A PayPal account is required to use Zettle. Funds are typically transferred to your PayPal account within one business day, and you have the option to set up deposits to your bank account.
  • Want flexibility in payment and transaction types. With PayPal Zettle, you can accept payment by credit and debit cards, digital wallets and QR codes. This includes Mastercard, Visa, American Express, Discover, Apple Pay, Google Pay, Samsung Pay, PayPal, Venmo and others. In addition to in-person transactions, you can accept payments over the phone, create invoices and send payment links to customers.

Deciding factors

Payment processing model
Payment processing fees
  • 2.29% plus 9 cents for in-person and QR code transactions.
  • 3.49% plus 9 cents for manual-entry card transactions.
  • 2.89% plus 49 cents for online card payments.
  • 2.99% plus 49 cents for invoicing (payment made with card).
  • 3.49% plus 49 cents for invoicing (payment made with PayPal).
Monthly fee
Hardware cost
  • $29 for first card reader; additional readers cost $79. Price includes USB cable.
  • $199 for terminal only.
  • $239 for terminal with barcode scanner built in.
  • $249 for Store Kit Mini (screen terminal with card reader).
  • $339 for Store Kit Portable kit with mobile card reader and printer.
  • $499 for Store Kit Standard (adds printer).
  • $699 for Store Kit Plus (adds barcode scanner).
Contract length
No long-term contracts.
Customer support
Phone support is offered from 6 a.m. to 6 p.m. Pacific time every day. Online chat with a bot is available along with the option to message an agent. A resolution center and a community forum are also available.

Where PayPal Zettle stands out

Solid basic features

PayPal Zettle has a robust payment system that can handle card, digital wallet and QR code transactions, plus allow you to manually enter payments. You can add discounts, enter refunds and issue receipts. Features to help you manage your inventory, monitor top-selling products and track the productivity of your staff are also included.
Sales tracking and reports
The app allows you to track sales and receive automatic reports. In the reports section of the app, you’ll find an overview of the prior day’s sales numbers. More detailed reporting is available in your Zettle account, including a summary of sales, a breakdown of payment types and fees, top-selling products, gift cards sold and staff performance. These reports can be exported to PDF, Excel or a raw data format.
Inventory management
The app allows you to build a product library. You can import a product list from a spreadsheet, group the products by category, and then add photos, descriptions and bar codes. New products can be added, too. Inventory can be managed from the app or your online account, and you’ll be notified when it’s time to restock products.
Zettle POS integrates with QuickBooks Online and with Shopify, BigCommerce and WooCommerce. After setting up the connection, you can automatically import data into QuickBooks Online every night. You can also import products from e-commerce websites to your Zettle product library, and inventory changes sync between platforms.

Low initial costs

Getting started with Zettle is relatively quick, easy and inexpensive. Because there isn’t a long-term commitment, you can try the system at a minimal cost. The fees for payment processing are similar to the fees for Square POS.

Where PayPal Zettle falls short

No add-on features

Although Zettle provides the core features of a POS system, it limits users to a single plan. PayPal competitors offer multiple plans or give you the opportunity to purchase add-on features such as customer loyalty programs, email marketing or advanced reports. You can expand your Zettle system by buying more hardware, but not by buying additional features.

Limited integrations

Zettle offers a limited number of app integrations. Some competitors offer integrations for a larger number and variety of apps, including those for accounting, e-commerce, customer engagement, scheduling and employee management.

Alternatives to PayPal Zettle


Why we like it: If you want more bang for your buck, Square may be a better option for you. Square’s payment processing rates are comparable to PayPal’s, plus you’ll get access to built-in inventory management. Add-ons such as team management, loyalty programs and email marketing are also available. Read our full Square POS review.



Square POS

NerdWallet Rating 


Why we like it: Shopify POS may be more expensive than PayPal — it charges a monthly fee for e-commerce plans, which are required to use Shopify Payments, in addition to the transaction fees. But if you’re looking for a more advanced POS that can unify your in-store and online transactions and let you market to customers and manage inventory, Shopify may be a fit. Read our full Shopify POS review.



Shopify POS

NerdWallet Rating 

Compare POS providers

To compare POS options, check out NerdWallet’s list of point-of-sale systems that are best for small-business owners. Our recommendations are based on the provider’s pricing and transparency, software and hardware options, system functionality, customer support, software integrations and contract requirements.


NerdWallet’s point-of-sale systems provider ratings reward companies whose products and services are priced well and work in a variety of payment scenarios, among other criteria. Ratings are based on weighted averages of scores in several categories, including cost, system capabilities, contract requirements, customer service and integrations and add-ons. Learn more about how we rate point-of-sale (POS) systems providers.
These ratings are a guide, but services, hardware and pricing can vary widely from business to business and provider to provider. We encourage you to shop around and compare several providers.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

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