Mainstream acquirer

PayPal Zettle

Last verified 2026-06-02

PayPal Zettle is a UK mainstream acquirer operating across in-person card payments. Headline rate 1.75% standard, 2.5% AMEX, 1 to 2 business days, no contract. Cheapest hardware entry point at £59 to £79.

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% standard, 2.5% AMEX
Settlement: 1 to 2 business days
Contract: No contract
Channels: In-person card payments
Tier: Mainstream acquirer

Editorial notes

Cheapest hardware entry point at £59 to £79.

Hardware reviews

We've reviewed the hardware tier behind PayPal Zettle. See the full review at PayPal Zettle review.

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Take any UK acquirer. We do the rest.

Named UK account team for the life of the agreement. Acquirer pays our commission on completed introductions, so it costs you nothing on top.

24/7 dedicated support
Direct line to a named UK account manager, not a generic acquirer helpline. When your terminal goes down on a Saturday night you call us.
Quarterly rate reviews
As your card volume grows your rate should drop. We renegotiate against the 80+ UK acquirer panel every quarter, so you never overpay because you forgot to ask.
Chargeback and dispute help
UK chargebacks cost £15 to £35 per case and 60-80% are friendly fraud you can win with the right evidence. We draft the response and escalate where the acquirer drags its feet.
Switching support when you outgrow
If a better acquirer fit emerges as you grow we manage the cutover. No exit-fee surprises, no dual-running gap. Same account team across acquirers.

How we work, end to end →

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Oliver Mackman

Director, MerchantHQ

Oliver leads MerchantHQ's terminal testing and acquirer comparison. With a background in UK commercial finance and merchant payments, he oversees terminal reviews, switching guidance and high-risk vertical mapping.

Last reviewed: 2 June 2026