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Zettle Credit Card Processing 2023: Reviews & Complaints
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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.
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.
Related Zettle Articles
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
|Total Online Complaints||150+|
|Live Customer Support||No|
|Most Common Complaint||Fund-Holds|
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
- Live chat support
- Customer service email address at [email protected]
iZettle Online Ratings
Here's How They Rate Online
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
|Monthly & Annual Fees||Yes|
|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?
|Uses Independent Resellers||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.
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