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How PayPal Here Can Transform Your Small Business Payments

PayPal Here is a mobile card reader and app-based payment solution designed for small businesses, freelancers, and merchants who need to process payments on the go. Launched by PayPal, a trusted name in online payments, PayPal Here provides a seamless and secure way to accept card payments, including chip and PIN, contactless, and magstripe transactions. This review will cover the key features, benefits, fees, and overall performance of PayPal Here, with a focus on its use in the UK market.

Key Features of PayPal Here

1. Versatile Payment Options

PayPal Here allows businesses to accept a wide range of payment methods:

  • Chip and PIN: For secure transactions with a physical card.
  • Contactless Payments: Including Apple Pay, Google Pay, and other NFC-enabled cards.
  • Magstripe: For traditional swipe card payments.
  • Manual Entry: Key in card details for remote transactions.

2. Easy-to-Use App

The PayPal Here app, available for both iOS and Android devices, is intuitive and user-friendly. It offers:

  • Real-Time Transaction Tracking: Monitor sales as they happen.
  • Inventory Management: Keep track of stock levels and sales trends.
  • Customizable Receipts: Send digital receipts via email or SMS.
  • Multi-User Access: Allow multiple employees to use the app with individual permissions.

3. Compact and Portable Card Reader

The PayPal Here card reader is small and lightweight, making it ideal for mobile businesses. It connects to your smartphone or tablet via Bluetooth, ensuring a stable and secure connection during transactions.

PayPal Here in the UK

PayPal Here has gained popularity in the UK due to its simplicity and reliability. It is particularly beneficial for small businesses, market traders, and service providers who need to process payments on the go. The card reader and app are fully compliant with UK payment standards, providing peace of mind for both merchants and customers.

Fees Associated with PayPal Here

Transaction Fees

PayPal Here charges a flat rate for all card transactions:

  • 2.75% for chip and PIN, contactless, and magstripe payments.
  • 3.4% + 20p for manually entered transactions.

These fees are competitive, especially for small businesses that might not have the volume to negotiate lower rates with traditional merchant account providers.

Hardware Costs

The PayPal Here card reader is priced at £45 (excluding VAT) in the UK. Occasionally, PayPal offers discounts or promotions, making it more affordable for new users.

No Monthly Fees

One of the significant advantages of PayPal Here is the absence of monthly fees or setup costs, making it an attractive option for small businesses or seasonal traders who may not have consistent sales volumes.

PayPal Here App

The PayPal Here app enhances the functionality of the card reader with features such as:

  • Sales Reporting: Access detailed reports on sales performance.
  • Customer Database: Store customer information for future marketing efforts.
  • Invoicing: Create and send invoices directly from the app.

Security and Compliance

PayPal Here adheres to strict security standards, including PCI DSS compliance. Transactions are encrypted, and the card reader uses advanced security features to protect against fraud.

Customer Support

PayPal offers robust customer support for PayPal Here users, including:

  • 24/7 Phone Support: Reach out to support agents anytime.
  • Online Help Centre: Access a wealth of resources and FAQs.
  • Community Forum: Engage with other users and PayPal experts for advice and tips.

Customer Feedback and Reviews


  • Simplicity: Many users appreciate the straightforward setup and ease of use.
  • Flexibility: The ability to accept various payment methods is highly valued.
  • Reliable Support: Access to PayPal’s customer support is often mentioned positively.


  • Transaction Fees: Some users find the transaction fees higher compared to other mPOS solutions.
  • Connectivity Issues: Occasional issues with Bluetooth connectivity have been reported.


PayPal Here is a robust and flexible solution for small businesses needing a mobile payment option. Its competitive fees, ease of use, and reputable brand make it a solid choice for merchants in the UK. However, potential users should consider the transaction fees and assess whether the benefits align with their business needs.