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Discover How Zettle Card Readers Can Transform Your UK Small Business in 2024

Who Are Zettle (formerly iZettle)?

Zettle, previously known as iZettle, is a Swedish company acquired by PayPal in 2018. Zettle has significantly impacted small businesses by providing efficient and innovative payment processing solutions. Their flagship product, the Zettle Card Reader, has revolutionized the way businesses accept payments. In addition to the card reader, Zettle offers a point-of-sale (POS) system, an online store, and a mobile app. This comprehensive review will explore the Zettle Card Reader’s features, the company’s other offerings, and the pros and cons of using Zettle, helping small business owners decide if it’s the right payment processing solution for their unique needs.

Zettle allows businesses to take card payments using the Zettle Card Reader. Payments can be processed by the Zettle mobile card reader using a phone or tablet combined with the Zettle app, available on both Android and iOS platforms.

The Zettle Card Reader: Empowering Small Businesses with Portable Payment Solutions

The Zettle Card Reader is a compact, portable device that enables small businesses to accept card payments on-the-go or in-store. Connecting to a smartphone or tablet, the card reader utilizes the Zettle app to process payments and supports all major credit and debit cards, as well as contactless payments.

Using the card reader is straightforward. Simply input the sale amount, swipe the customer’s card, and have the customer enter their PIN. The card reader sends the payment information to Zettle, which then deposits the funds into your bank account within 1-2 business days. This convenience and speed make it an ideal solution for busy small business owners.

Features and Benefits of the Zettle Card Reader

izettle card readerPricing and Fees

Understanding the cost implications is crucial when choosing a card machine. Zettle offers transparent pricing with no hidden fees:

  • Zettle Reader 2: £29 + VAT for the first reader, £59 + VAT for additional readers.
  • Zettle Dock 2: £39 + VAT.
  • Zettle Terminal: £149 + VAT without a barcode scanner, £199 + VAT with a barcode scanner or printer dock, £249 with both.
  • Transaction Fees: 1.75% for all chip and contactless transactions, 2.5% for payment links.
  • Monthly Fees: None.
  • Refunds and Chargebacks: Refunds are free, and up to £250 chargebacks per month are covered if best practices are followed.

Performance and Reliability

Performance and reliability are critical factors in choosing a card machine. Zettle card readers are known for their robust performance and reliability in various business environments.

  • Transaction Speed: Zettle card machines process transactions quickly, reducing waiting times for customers and improving overall efficiency.
  • Battery Life: The Zettle Card Reader can make up to 100 sales on a full charge, with a battery life of up to 8 hours, depending on usage.

Customer Support and Integration

Zettle provides a robust customer support system and integration capabilities:

  • Customer Support: Free customer support (phone and email) for Zettle Go from 9 AM to 5 PM GMT on weekdays. Paid Zettle Food and Drink plan offers support seven days a week.
  • Integration: Zettle can integrate with various POS systems, e-commerce platforms, and bookkeeping apps, enhancing its utility for small businesses.

Detailed Comparison of Zettle Products

Zettle Reader 2

The Zettle Reader 2 is a versatile card reader designed to meet the needs of small businesses. It offers the following features:

  • Cost: £29 + VAT for the first reader, £59 + VAT for additional readers.
  • Design: Compact and lightweight, making it ideal for businesses on the move.
  • Functionality: Supports chip and PIN, contactless payments, and mobile wallets.
  • Battery Life: Lasts up to 8 hours on a full charge, sufficient for a full business day.
  • Transaction Fees: 1.75% per transaction.

Zettle Terminal

The Zettle Terminal is a more advanced option for businesses needing a standalone device. Its features include:

  • Cost: £149 + VAT without barcode scanner, £199 + VAT with a barcode scanner or printer dock, £249 with both.
  • Design: All-in-one payment terminal, eliminating the need for a connected smartphone or tablet.
  • Functionality: Includes a built-in receipt printer and barcode scanner, making it suitable for retail environments.
  • Battery Life: Lasts between 4 and 12 hours, depending on usage.
  • Transaction Fees: 1.75% per transaction.

Pros and Cons of Zettle


  • No Fixed Contract: Pay-as-you-go model with no lock-in contracts or early termination fees.
  • Wide Range of Supported Payments: Accepts Mastercard, Visa, American Express, JCB, UnionPay, Apple Pay, Google Pay, and Samsung Pay.
  • User-Friendly App: The Zettle app is praised for its ease of use and quick setup process.
  • Integration with PayPal: Allows for seamless fund transfers to a PayPal account for quicker access.
  • Free Refunds and Chargebacks: Refunds are free, and chargebacks up to £250 per month are covered if best practices are followed.


  • Customer Support: Limited to weekdays during office hours, which can be a drawback for businesses operating on weekends.
  • Higher Fees for Payment Links: The fee for payment links is higher at 2.5% per transaction.
  • Connectivity Issues: Some users have reported connectivity problems with Android devices.
  • Limited Growth Tools: Compared to competitors, Zettle offers fewer online payment features unless integrated with a PayPal Business account.

Customer Reviews and Testimonials

Many small business owners have shared their positive experiences with Zettle card machines. Here are a few testimonials:

  • John, Retail Store Owner: “Switching to Zettle was one of the best decisions we made. The setup was quick, and the machine is incredibly easy to use. Our customers love the fast transactions, and we appreciate the top-notch security features.”
  • Sarah, Café Owner: “We’ve been using Zettle for a few months now, and it has significantly improved our checkout process. The support team is always available to help with any questions we have.”

Case Studies

Example 1: Retail Store

A small retail store in London integrated Zettle card machines to streamline their payment process. The result was a noticeable decrease in checkout times and an increase in customer satisfaction. The store owner reported a 20% boost in sales within the first three months of using Zettle.

Example 2: Restaurant

A busy restaurant in Manchester implemented Zettle card machines to handle their high volume of transactions. The portable card machines allowed waitstaff to process payments at the table, improving the dining experience for customers. The restaurant saw a significant reduction in payment errors and a smoother operation overall.

How to Get Started with Zettle

Getting started with Zettle is straightforward. Here’s a step-by-step guide:

  1. Sign Up: Visit the Zettle website and sign up for an account.
  2. Choose a Plan: Select the card reader or terminal that suits your business needs.
  3. Receive Your Card Machine: Once your account is set up, Zettle will send you your card machine.
  4. Set Up: Follow the easy setup instructions to get your card machine ready for use.
  5. Start Accepting Payments: Begin processing payments securely and efficiently with your Zettle card machine.

Frequently Asked Questions

Can you take payments over the phone? No, Zettle does not allow merchants to take business payments over the telephone.

Can you use Zettle without wifi? Yes. For Zettle to work, you need to be connected to a 3G, 4G, or wifi network, so you can use the card reader without wifi. Just ensure you have a stable internet connection.

How quickly can you get set up with Zettle? Generally, you will receive your device within 1-2 working days.


In conclusion, Zettle card machines offer a reliable, secure, and efficient solution for small businesses. With their user-friendly interface, quick setup, and excellent customer support, Zettle card machines can help businesses streamline their payment processes and improve customer satisfaction. If you’re looking for a card machine that delivers on performance and value, Zettle is definitely worth considering.

 For more information or to get started with Zettle, visit their website or complete our quote form today.

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