Zettle Credit Card Processing 2023: Reviews & Complaints

Zettle logo
iZettle Rating
full star idicating a 3 out of 5 star rating full star idicating a 3 out of 5 star rating full star idicating a 3 out of 5 star rating empty star indicating a 3 out of 5 star rating empty star indicating a 3 out of 5 star rating

Agree with our rating?
Leave a comment below

image of a phone image of a phone that changes when your mouse hovers over it 020 3984 8464 View Pricing

Company Overview

Zettle is a mobile credit card processing app and card reader compatible with the iPhone, iPad, and Android devices. As of 2023, it appears they also offer full-sized POS systems as well. Zettle’s service is similar to the popular U.S. equivalents GoPayment, Square, and Pay Anywhere, but with the exception that it is designed to accept chip-and-PIN (EMV) cards. Like its U.S. counterparts, Zettle opens up credit card acceptance to the individual and breaks down the typical barriers to entry seen with traditional merchant accounts.

Article Summary

Before we dive in, here’s a short summary of what we’ll cover:

  • Zettle’s various payment processing services.
  • Zettle offers quick set-up for mobile and POS payments for a flat monthly fee and a percentage between 1.75% and 2.5%.
  • Some users have reported difficulty contacting customer service.
  • Zettle has primarily been good for international processors but has expanded into the US in recent years.

Acquired by PayPal

In September of 2018 PayPal announced the acquisition of iZettle for a sum of $2.2 billion. In June of 2019, the United Kingdom’s Competition and Markets Authority approved the purchase of the company, allowing PayPal to begin utilizing the platform’s infrastructure to better support in-store transactions. As of 2021, iZettle has rebranded simply as Zettle.

Zettle Card Reader Solutions

Zettle, formerly known as iZettle, is prominently recognized for its card reader solutions. These compact devices allow businesses to accept card payments, including chip, pin, and contactless transactions, wherever they are, making it efficient for both stationary and mobile businesses.

Zettle Go Mobile App

The Zettle Go mobile app functions in tandem with their card readers. It facilitates payment processing and provides businesses with an intuitive interface to manage sales, track payment history, and monitor real-time analytics.

Zettle Point of Sale (POS) Systems

Zettle extends a range of POS systems tailored to various business sizes and types. These systems integrate hardware and software to support in-store transactions, product inventory management, and sales analytics.

Zettle Online Sales Platform

To cater to the e-commerce segment, Zettle offers an online sales platform allowing businesses to create web shops. This platform is designed for simplicity and enables businesses to list products, manage orders, and process online payments securely.

Zettle Invoice Creation and Management

Beyond standard payment processing, Zettle provides a feature that enables businesses to create and send professional invoices directly from their app. This functionality facilitates easy tracking and management of outstanding payments.

Integration with Third-Party Software

Zettle showcases compatibility with various third-party software solutions, which can be integrated to enhance business operations. This includes but isn’t limited to accounting software, inventory management tools, and advanced POS systems.

Financial Insights and Reporting

One of the value-added services Zettle offers is comprehensive financial reporting. Through the app or web interface, users can gain insights into their sales trends, track revenue, and manage cash flow more effectively.

Location & Ownership

Jacob de Geer is listed as the founder and CEO of Zettle, which is headquartered at Regeringsgatan 59, 111 56 Stockholm, Sweden.

Table of Contents

iZettle Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Item Result
Total Online Complaints 150+
Live Customer Support No
Most Common Complaint Fund-Holds
Recent Lawsuits No

Low Complaint Total

At the time of this update, we are able to locate more than 150 negative iZettle reviews on this and other consumer protection websites, and only a few of these complaints accuse the company of possibly being a scam or a ripoff. The most common issue appears to be difficulty reaching the company’s customer support to resolve billing issues, as complainants typically report delayed or missing payments with no quick way to resolve the problem. Some clients also report sudden and unexplained cancellations of their accounts. If you have a Zettle review of your own, please do so in the comment section below.

iZettle Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against iZettle. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

iZettle Customer Support Options

These complaints are typical of mobile payments aggregators like Square and iZettle, but iZettle distinguishes itself by offering phone support during business hours. With the growing complaint total, we are awarding iZettle an average grade of “C” in this category, but its support options fall a bit short of top-rated payment processors for customer service.

iZettle Customer Service Number

  • 020 3984 8464 – General Support

Other Support Options

iZettle Online Ratings

Here's How They Rate Online

No Profile

There is no Better Business Bureau profile available for Zettle, and we will not factor the BBB into the company’s overall rating.

iZettle Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Item Result
Cancellation Penalties No
Monthly & Annual Fees Yes
Processing Rates Variable
Equipment Leasing No (One-Time Fee)

UK Zettle Pricing

Zettle’s recently revised rate structure is similar to other flat-rate processors. We will focus on the company’s UK pricing for this review, but its pricing structures in other countries are very similar. Zettle charges 1.75% per transaction through its card reader and 2.5% per email invoice. Its reader can be bought for a one-time cost of £29 plus VAT. The company’s “Go” plan is its basic package with no monthly fees, while its “Go Plus” costs £29 per month in exchange for sales reports, premium support, and a lifetime warranty for the card reader. Lastly, the Pro For Hospitality plan costs £39 per month, per iPad that processes payments through the company’s POS app Zettle Pro. This plan charged 1.25% per transaction, as opposed to the company’s typical flat rate of 1.75% for other plans.

There are no other Zettle fees for services, but some additional one-time costs may apply if businesses wish to buy additional hardware. Zettle’s service does not require a setup fee, a monthly fee, a PCI Compliance fee, or a service length requirement.

Previous Zettle Price Structure

Zettle’s previous pricing is worth a mention just in case readers come across outdated promotional materials. Prior to the company’s pricing revision, merchants who processed £2,000 or less in a given month would pay a flat rate of 2.75% on all transactions processed through the Zettle card reader. For businesses doing more than £2,000 per month, the transaction rate dropped according to a sliding scale, eventually bottoming out at a flat 1.00% for merchants processing £40,000 or more per month. Zettle initially processed all transactions at 2.75% and then returned the difference to qualifying businesses via an end-of-month cashback deposit. Zettle did not allow businesses to manually enter card data. The company’s card reader also came at a one-time cost of £59 plus VAT.

Terms May Vary By Country

It is worth noting that Zettle did not offer support for Visa cards for a brief span in 2012, but the company now accepts all card types once again. However, the transaction limits for Visa cards are more severe. Additionally, it appears that the company’s contract terms may differ depending on which country the business is operating in. Readers are encouraged to read their agreements with Zettle carefully and to compare them to cheap merchant account providers.

We also encourage readers to check out our list of the providers of the best merchant accounts.

iZettle Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Item Result
Uses Independent Resellers No
Telemarketing No
Misleading Marketing No
Discloses All Important Terms Yes

Transparent Advertising and Pricing

Zettle appears to market itself primarily through its website and through traditional advertising. The company’s website provides most of the necessary information about the app in an easily navigated layout, and the pricing structure itself is clearly listed on the website’s pricing page. Businesses that are concerned about daily or weekly transaction limits can find them listed here. Zettle does not appear to have a vaguely defined fraud prevention/fund withholding policy like those of Square or WePay, but it nevertheless has started to accumulate merchant complaints related to fund-holds. As of this update, however, we are unable to locate any Zettle reviews that mention an issue with the company’s advertising strategies.

This compares favorably to our list of best credit card processors.

Signing Up For Service

The signup process is quick and simple and includes a card reader and free app for approved accounts. Zettle has a $29 fee for the first card reader, no monthly fees, no PCI compliance fees, and no service length requirement. Users only pay transaction fees on successful sales, which vary by method of transacting, business volume, and the country in which the user is registered.

Our iZettle Review Summary

Our Final Thoughts

Zettle rates as a reliable credit card processing service according to our system. The company offers a transparent rate structure and hassle-free contract terms that are more competitive than those offered by its more established competitors. However, some online complaints indicate that Zettle’s customer support is not especially responsive or helpful. The company’s overall score is likely to improve or worsen depending on whether these customer support issues continue to be reported with regularity. For now, readers should consider Zettle to be a worthy choice for processing.

If you found this article helpful, please share it!

Your Comments & Reviews

How Did iZettle Treat You?

22 Responses

  • When PayPal put a hold on my business account to verify my business, my Zettle stopped working, which was understandable. However, when PayPal’s enquiries were satisfied, the hold on my Zettle wasn’t lifted. There was no way to query this with Zettle. They don’t appear to have an actual customer support department. Their “live chat” bot doesn’t answer any questions nor does it connect to a human. Emails go unanswered and their phone line doesn’t connect to anyone either. I am left unable to use my Zettle and therefore unable to take card payments for my business.


    I am a UK independent cabi stylist. This is the biggest brand without a shop in the US.
    I chose iZettle as I wanted to be able to handle payments remotely as well as face to face. A few after setting up the account and sending out emails with payment links to customers, on 7th May I received an email saying they were suspending my remote payments but no reason was given. I have now called ‘support’ three times and emailed twice but there has still been no response.

    This post will help: Best UK Mobile Payment Processing Apps


  • Never buy iZettle, and don’t use them, this is a con, unprofessional company, they suspended my account for nothing, and not paying my £2500.00 so I called several times, e-mails to the security time to let me know why are they suspended my account but no reply and I’m still waiting, if you complain or call customer service, they don’t know how to dealing with customer, they say someone will call you back, but it been over 1 month and I’m still waiting for call back. So people STAY AWAY FROM THIS COMPANY THEY JUST USING YOUR MONEY, I’m getting my legal time involve and see what I could do.

    • Tobi

      Tobi Akiode & Co. Ltd

      I agree; I don’t know why it’s taken me time to check for reviews! Spent money to kit up to use iZettle services for my products, just when I needed to start using the servic received an email notifying me of my account termination. Refused to give the reason. Sent them several emails to understand the rational behind sudden decision.

      They sent me routine replies that addressed nothing. and eventually refused to respond, when I asked them why they sold me their equipment, knowing that they were going to terminate my account in the far/near future. Now, I have iZettle machine staring at me everyday in my shop! It’s true, “not all that glitters is gold”. Not all good businesses can be trusted.

      Take care before you buy.

  • Yolanda Antonopoulou

    Izettle refused to refund my money back when my account was hacked and they changed my bank account details to someone else’s and I lost all my money. They provide NO insurance for frauds.

  • Yolanda antonopoulou

    Attention if you are considering working with Izettle, they provide no insurance if your money gets lost! Their security is outdated and it is very easy for anyone to change your bank account details to theirs and simply you will loose your money. Izettle as per their terms and conditions refuse any responsibility and therefore any refund. It happened to me. Devastating

  • Izettle are holding on to my £1725.They said they are holding it for precautionary measures.But when I ask how long for ,they do not respond,they have closed my account and holding on to my customers money and sitting on it.Must be a scam

  • Geek Street

    Based upon Initial TWO telephone calls to the UK team – Shocking
    I am looking for a cost effective way of taking credit card payments whilst mobile & it seems iZettle is the most cost effective, HOWEVER Telephone “Lack of” Support sucks, I have never come across such rude obnoxious representatives as I have with these idiots.

    I have never had a supplier where the motto is “stuff the customer, its our way or go elsewhere” rings out so strongly, I am sure all the a-holes who can’t get a job anywhere else ends up here.

    2 small issues & questions really seemed to put their noses out of joint & annoy them is nothing short of stupid.

    I will try them BUT I may have to find another way of taking payments that IS NOT iZettle OR Paypal who are just as criminal.

    Be warned if you want to talk to them, you’ll be on hold and then you’ll have the pleasure of annoying them by daring to call customer services!!

  • iZettle are an absolute con, they froze my account within a couple of days of it opening. My complaint was blanked as were my demands for a refund on the card reader. Time the Police took interest I think.

  • Anna Nat Kowalska

    If you are based in UK and don’t want to wait one week or two for your money…avoid. They have a tendency to have issues with deposits and asking for a lot of bank statements…Call centre charge higher rate for calls and it’s based in Sweden. Email customer service is useless.

  • Steve Evans

    My business has used Paypoint’s Virtual Terminal for over 4 years but it included a monthly fee and a 5% Fraud retention for 6 months. So iZettle looked a better product to reduce costs and improve cashflow. We, therefore, duly opened up business account with iZettle in November 2015 with our business bank account being verified at the time. Due to a lengthy commercial contract, however, we didn’t need to use iZettle until February 2016 whereby, after taking our first 3 payments successfully, we received an email from iZettle to say they were closing our account as it had been “highlighted” by Sweden’s Financial Supervisory Authority (which apparently regulates it?) hen we enquired why they gave the reason as “The iZettle account connected to this email does not comply with these restrictions and have been highlighted in an internal control” This was 2 days after they,happily, allowed us to purchase a second card reader? As they are refusing to explain why we aren’t compliant I have had to send iZettle a subject access request to find out the reason? As we are now using a UK based service without any problem, I have to recommend that businesses avoid iZettle as they have been a waste of time and unhelpful.

    Are you with iZettle? Learn how to resolve this complaint.

  • Terrible service from iZettle – they are withholding more than £2k of mine without explanation, are demanding all kinds of info such as copies of invoices, their customer service line is useless, and it is not possible to speak to anyone from their security team. Avoid at all costs!

    Are you with iZettle? Learn how to resolve this complaint.

  • Customer service is very poor ! emails not returned and very unhelpful call centre staff!!!

  • Set up my Izettle account after been told everything was up and running only to be told after 2 days the account was being close for no reason. After 2 weeks still not seen my deposits in my account been chasing but seems they want to go around in circles until I get fed up and walk away.
    My advise is if you are thinking of signing up DON’T ….you have been warned.

  • Alison Watson

    I ordered my iZettle card reader months ago and it as finally arrived. I followed all instructions to set up the account but was told account couldn’t be verified as the account name didn’t match my name or the name of my business. I sent them a copy of the bank statement (sensitive data blurred out) and they still said that the account couldn’t be verified. I have now changed the account details to a different bank account that is also in my name and they are again saying that the account cannot be verified and can I provide yet another bank statement to prove it is my account. Starting to think this is a money making scam!

  • mike hall

    I am based in East Yorkshire and have two successful profitable businesses. It was suggested I zettle would be a great option for my sales team and so my office manager went about registering. We FAILED their criteria and have been asked to send ID and company registration papers. We have been in business for 6 years and have made a profit every year!!!!!


  • martin campbell

    have had 2 payments made one of them 6 weeks ago and still no money in account i have tried e mailing on numerous times but still nothing beginning to worry as to what is happening and of course no phone number to ring!!

  • Hi,
    I signed up to iZettle last week as I wanted to try it out at a craft fair. It seemed to work fine, and I was pleased with the neatness of the whole thing.
    However, today, a week after signing up, they have told me there is a problem with my bank account and closed my iZettle account.
    They will not tell me what the problem is so I can’t even rectify the “problem”.
    I have had the same bank account with the same provider (Santander/Halifax as was) for 30 years and have never had a single problem before I signed up to iZettle, so I am less than impressed.
    Won’t be using them again and won’t be recommending them to the 200+ member of my craft fair circle of friends. Bad move there iZettle!

  • andrew thompson

    Hi all,we have a izettle chip and pin reader and have only used it a few times and now izettle have stopped us using it and given us no reason other than refer to paragrath 26.i sent them a e-mail asking what the problem is and have not recived an e-mail back.they have taken my £50 and i cant use my machine.
    SO BE WARNED THEY MAY BE TAKING EVERYONE FOR A RIDE .I would be very interested if this has happend to anyone else so I can inform the office of fair trading.

  • They said on their website they do accept Visa cards.
    Is this a lie then?

  • Ryan Harding

    Izettle does not support Visa at the moment which I think is an unfortunate drawback. But apart from that the service and product is quite good. But if you are looking for another (better) Square-like option which can provide flexibility in the UK, mPowa is highly recommended.

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2023 CardPaymentOptions.com, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with CardPaymentOptions.com, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.