Zettle (PayPal POS) card terminal 2026: prices and costs
In October 2026, Zettle (now PayPal Point of Sale) charges 1.95% on all card payments with no monthly fee or contract, and the standard price of the PayPal Reader is €79 + VAT (first reader in the promotion €29 + VAT). The money arrives in the PayPal balance, and the transfer from there to your own bank is free. In PayPal's price list, MobilePay payments are €0.
Zettle (PayPal POS): prices and terms
| Fact | Value |
|---|---|
| Domestic and EEA consumer cards | 1.95% |
| International cards | 1.95% |
| Mandatory monthly fee | €0 |
| Cheapest card reader | PayPal Reader, €79.00 |
| Settlement | Usually within minutes to the PayPal balance; scheduled transfers to your own bank at no extra charge |
| Contract period | No contracts |
| Cancellation | No contracts or recurring payments (zettle.com/fi/hinnoittelustamme). |
| Tap to Pay on your own phone | yes |
| MobilePay mentioned | Yes |
| Payment links and online payments | Yes |
| Point-of-sale system | Own PayPal POS app (products, inventory, reports) and integrations with other point-of-sale, accounting and online shop applications. |
| Finnish-language support | not available |
| VAT basis | prices excl. VAT |
| Data checked | 16 October 2026 |
1.95% on card and contactless payments, the same price for the most common cards and mobile wallets, including American Express. MobilePay transactions €0 (paypal.com pricing page). Payment links: 2.5% on the zettle.com page and only for those who registered before 17 July 2025; 1.9% + €0.35 (cards) or 3.4% + €0.35 (PayPal) on the paypal.com page, only for Zettle account users. Individual price offers are available at discretion. Zettle by PayPal has been renamed PayPal Point of Sale.
Zettle (PayPal POS): devices
| Device | One-off price | Monthly rent | Details |
|---|---|---|---|
| Tap to Pay (own phone) | €0.00 | not available | PayPal Point of Sale app for iPhone and Android, no extra charge. |
| PayPal Reader | €79.00 | not available | Standard price €79 VAT 0% (additional readers). Promotion: first reader for a new business customer €29 VAT 0%. Delivery charge separate. |
| PayPal Terminal | €199.00 | not available | All-in-one card terminal (4G/WiFi), €199 VAT 0%. |
| PayPal Terminal with barcode scanner | €249.00 | not available | €249 VAT 0%. |
Calculate your own cost
Enter your card sales and average purchase in the card terminal calculator to see the monthly cost and the first-year cost of Zettle (PayPal POS) compared with the other providers. See all providers in the card terminal comparison.
See also
Sources
- Hinnat ja maksupalkkiot | PayPal FIretrieved 16 October 2026
- Kassajärjestelmän hinnoittelu | PayPal FIretrieved 16 October 2026
- Korttimaksupääte - PayPal Point of Sale Reader | PayPal FIretrieved 16 October 2026
- PayPal Point of Sale myyntipiste- ja maksuratkaisut | PayPal FIretrieved 16 October 2026
Data checked 16 October 2026. Check the current price and terms with the provider.
Frequently asked questions
How much does the Zettle (PayPal POS) card terminal cost?
In October 2026, the mandatory monthly fee of Zettle (PayPal POS) is €0 and the cheapest card reader (PayPal Reader) costs €79.00 (prices excl. VAT). No contracts. Note: first reader €29 for new customers.
How much does Zettle (PayPal POS) charge on card payments?
Domestic and EEA consumer cards: 1.95%. International cards or cards from outside the EEA: 1.95%. The prices are standard prices for payments received in person (prices excl. VAT).
When does Zettle (PayPal POS) settle the money?
Usually within minutes to the PayPal balance; scheduled transfers to your own bank at no extra charge.
Does Tap to Pay with Zettle (PayPal POS) work with Finnish cards?
According to the data, Zettle (PayPal POS) offers Tap to Pay on your own phone. According to Stripe's documentation, many cards in Finland are offline PIN cards, and entering the PIN requires physical contact with the device, which Tap to Pay does not support. The same limitation probably applies to other providers too, but this has not been checked (source: Stripe: Tap to Pay, retrieved 16 October 2026).