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PayPal Zettle

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PayPal Zettle Review (US): Formerly PayPal Here

This PayPal POS offers ease of use, predictable pricing, and a PayPal card reader, making it a great choice for most merchants who want a simple way to accept payments.

    Jason Vissers
  • Updated on:
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Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
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    Organization Name: ZerotoZen

    I enjoyed the review as I am doing the research for a card processing application reader and program. However, all the subsequent comments appear to be related to the previously written review regarding PayPal Here and not necessarily toward the current application for Zettle or it’s hardware, which is unfortunate as I am curious to hear those comments.

    • Organization Name: ZerotoZen

    This comment refers to an earlier version of this review and may be outdated.


    Organization Name: Nunya Business

    Your fees section is inaccurate. PayPal Here charges 2.7% + a fixed fee that varies based on your country. In the US, PayPal Here charges 2.7% +30¢ per chip, tap, or swipe. Just thought I’d help clarify!

    • Organization Name: Nunya Business

    This comment refers to an earlier version of this review and may be outdated.

    Jessica Dinsmore

    Hi Michael,

    Thanks for checking! As far as we can tell it’s still 2.7% with no flat fee. At least according to their website–where are you seeing this other pricing structure? Happy to update if we can verify.

      This comment refers to an earlier version of this review and may be outdated.


      Organization Name: Recreation

      Don’t use PayPal Here. They put your money on hold for 30 days. They are not a serious merchant credit card service. No merchant credit card processors that we have used for the past 17 years except PayPal Here have put our funds on hold. We have a 17 year financial history with no issues, no unpaid bills, very few chargebacks or complaints over the past 17 years. Holding our funds is completely unwarranted. We thought we would give PayPal Here a try thinking their POS system might be a plus, but we are going back to a regular credit card processing company immediately. Unbelievably self defeating behavior by PayPal Here. Stay away from them if you want to get your money in a timely fashion.

      • Organization Name: Recreation

      This comment refers to an earlier version of this review and may be outdated.


      Organization Name: weber counseling services

      So, I have spent a month trying to get setup to take payments for my business with various hurdles through Paypal. I have spent nearly 4 hours on hold for customer service/support. If I conducted my business in this manner I would go bankrupt. Too much hassle to get setup to give someone my money. I kick myself for wasting all that time.

      • Organization Name: weber counseling services

      This comment refers to an earlier version of this review and may be outdated.

      indira cesarine

      Organization Name: Untitled Space

      I seriously regret using PayPal HERE, they hold your money FOR NO REASON for a month or longer! I used their card reader to process a few transactions for a pop up store we did off-site and they are holding all payments (except for $500) for a month – the transactions took place on Dec 8 and we don’t get the money released until January 7th!!!! This is a huge problem for our cash flow and payments to vendors under contract! I would NEVER use them again – SQUARE and STRIPE only hold payments for a day or 2 …I have equally had a PayPal business account for over 5 years and have never had an issue with customers for online payments. There is no justifiable reason for them to hold payments for such extensive time frames for PayPal business users, except that it is a total RACKET and they are using our funds and making money / interest etc on their added cash flow but withholding our money. According to their website when I check re the HOLD they state: “Delaying funds availability is a common industry practice we implement to help ensure the secure use of PayPal by both buyers and sellers. By placing your money in your pending balance, we’re trying to make sure that there’s enough money in your PayPal account to resolve any issues that may arise with your account such as chargebacks or disputes. When subject to a hold, the money is temporarily not available to use.If there aren’t any issues with your transaction or account, the payment will typically move to your available balance within 21 [business] days after receipt.” This is of course not revealed until AFTER they hold your money and when I called they said there is NOTHING YOU CAN DO ABOUT IT. STAY AWAY FROM PAYPAL HERE. They are exploiting merchants.

      • Organization Name: Untitled Space

      This comment refers to an earlier version of this review and may be outdated.

      mark stilley

      Organization Name: TXcellence services LLC

      As a longtime user of PayPal who is now going elsewhere asap i thought investor relations should know why.
      on July 2nd in 98 degree heat after making sure that my account met all new security standards my account for my debit card was locked out when trying to fuel my vehicle on an account with over 600.00$ in it spent 1/2 hour on phone getting it fixed to be able to fuel my car and get home.
      On July 10th and after i have been unable to get PayPal here to work on any device mobile or otherwise this has led me to do a lot of things to keep my business from going under that i would rather not have to accepting checks taking only cash etc.
      Customer service has informed me that A mobile devices have to be at android version 4.4.2 so I have a new phone on the way if that is actually the problem why was this not put out in the documentation ?
      also was told by customer service that it was never and will never work on a desktop or laptop PC however up until June 30th it worked perfectly and the app is still on the Microsoft store being advertised as working on a PC but it does not work. So if anyone in investor relations is listening please pass this to the board of directors with the strongest possible recommendation from a FORMER customer that the CEO and director of IT be fired for this complete screw up!

      • Organization Name: TXcellence services LLC

      This comment refers to an earlier version of this review and may be outdated.

      Jim Hart

      Organization Name: The Published Page Bookshop

      Have been using PayPal for many years. Started using PayPal Here chip reader as our our primary credit card processing system in our bookstore about a year ago. We process several thousand dollars each month and for the most part have very few problems.The one annoying recurring problem is a failure to log in to the system. This has happened about six times over the year. We use a Samsung tablet for our paired device. When we are presented with the login screen we enter our password and press the connect button. The screen will act as though it is connecting, then will return to the sign in screen. I have called PayPal customer service. They always report that we show to be signed in on their system, but we cannot process payments on ours. I have been instructed to enter a ticket on the problem, and have done so repeatedly. The problem will go away in as little as a few minutes or in one case as long as several hours. However, it has always gone away before I hear back from customer support. When they do respond it is with a boiler page message that everything appears to be okay so if nothing else happens they will close the ticket. I keep a separate ProPay account open and have the ability to process cards online when PayPal is down, but do wish the system was more stable. Other than this I truly like the PayPal rate structure, the ability to access funds immediately, and believe customers have a good level of confidence in the PayPal name. Plan to stay with them, but do wish the bugs would get corrected.

      • Organization Name: The Published Page Bookshop

      This comment refers to an earlier version of this review and may be outdated.

      Achim Triebel

      Organization Name: TST Food LLC

      I am a Square Up user and very happy with it. Using the chip and wifi reader works great and. funds are in my account the next day. In over 2 years , never had a problem. As a back up I started looking at Paypal Here POS system. I am a Paypal Biz user for over a decade and was happy with all services so far. Including debit card, Paypal Credit and so on. National and International. So I got an email offering the free magnetic card reader. Great fees, fast money transfer and all connected to my paypal account of 15 years or so. What can go wrong I thought? I still have many customers who have cards without chip and sometimes the chip does not work etc. So I ordered it as a back up options for my Food Truck. We sell German food. People come, pay , eat and leave. Paypal here worked great at first. A little bit more complicated than Square, but over all simple to use. Funds were in my account right away and I could use for business immediately with my card or transfer. Then I had a pretty good day and good sales. Just before our vacation :). However, funds were not available and still are not. Thinking it was a mistake I tried to get answer from Paypal Mobile, Paypal and Paypal Merchant services. The response I got was incredible. All of a sudden I was told that my funds were hold ( just like with most POS system) for up to 30 days! Which is literally wrong. None of the systems I used actually had this policy. Especially for Food Truck sales LOL. Anyway, I went back and forth with different customer service reps who repeated the same thing in their answers. Over a week has passed, no funds and no solutions and no suggestions. Now a complaint Literally assuming that Paypal Here POS is as fast as others especially after being with them for this extensive period of time without any problems, recalls , refunds and so on. Big mistake. I was a trusted Paypal customer for many years and I will remain a customer for years to come. However, the POS will. not be used again if you are looking for POS look somewhere else. Otherwise print all terms. For sure do not rely on customer service.

      • Organization Name: TST Food LLC

      This comment refers to an earlier version of this review and may be outdated.


      Organization Name: Black Canyon Corner Store

      We had high hopes for PayPal Here. The reader is constantly losing contact with our iPad and needing restarted. The reader also seems to drain it’s battery in less than 8 hours just sitting there. And if you do a lot of credit card transactions, you get a separate email for each and every one. Square gave us one or two emails per day, consolidating the info. It’s too bad because we don’t need anything fancy, but it’s just not working out for us.

      • Organization Name: Black Canyon Corner Store

      This comment refers to an earlier version of this review and may be outdated.

      Dee Dee

      Organization Name: Author Debra A. K. Thompson

      I have recently purchased a Paypal Chip & Swipe card reader. I like the size and compactness of the item, but I have noted some disconnect between the app and my I-phone. I use the Voice-over feature on my I-phone and the Paypal Here app and the voice—o-over feature don’t seem to play well. I have nothing but great success with the telephone customer service, however, I hope they can get these features working together better. I love the blue-tooth capability because it has made it more accessible for visually impaired people to use the app, but some additional tweaking needs to be done.

      • Organization Name: Author Debra A. K. Thompson

      This comment refers to an earlier version of this review and may be outdated.

      Greg Golden

      Organization Name: UUCSC

      We’ve adopted Paypal for credit card processing and Paypal Here for Mobile credit card processing. Recently purchased two of the new “chip and swipe” card readers, but BOTH do not work. There is a software glitch between the app and the hardware. Tried two readers, two smartphones with different Operating systems, three different credit cards… Help!Paypal is confused about trying to fix this. First the phone rep said “it is a known issue and complaints need to be logged on a special online form,” on a different unlisted Paypal site for Merchant Payment Support. That site is not shown on the main Paypal site. I logged my report.The next day, they emailed and said to phone in, as it would be faster. When I phoned in, the phone rep said, “No, better just log it on the trouble ticket site again.” Ok, I did.It’s been 6 days. Now they are telling me the software patch will not be ready until end of April. (And I am not holding my breath that it will absolutely fix the problem.)So, fair prices and many tools, but VERY POOR SUPPORT.

      • Organization Name: UUCSC

      This comment refers to an earlier version of this review and may be outdated.

      Dana Brown

      There is NO reason that this app needs
      1. Access to your contacts
      2. Access to the files and folders on your phone
      3. Ability to at will record audio
      4. Ability to at will record video

      Are they seriously believing that people are stupid enough to grant the card blanch ability on thirty phones?

        This comment refers to an earlier version of this review and may be outdated.

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