PayPal Point of Sale
No monthly fee, a 2.29% + 9¢ in-person rate and a $29 first reader, from the company behind PayPal
Rates verified October 14, 2026See pricingThe Bottom Line
- In-person card rate
- 2.29% + 9¢ (verified Oct 14, 2026). All rates and fees
Key facts
- No monthly fee: 2.29% + 9¢ in person, 3.49% + 9¢ typed in.
- First card reader $29 (then $79), Terminal $199 or $239 with a scanner.
- PayPal says transactions may be reviewed, held or delayed.
Pros
- No monthly or setup fees and no long-term commitment
- A first card reader for $29 and a Terminal for $199
- QR code payments cost the same as card-present payments
- Contactless payments on your phone with no extra hardware
Cons
- PayPal can review, hold or delay transactions
- Invoices cost more: 2.99% + 49¢ for cards and 3.49% + 49¢ for PayPal payments
- Lighter software than a full restaurant or retail system
At a glance
Rates verified October 14, 2026- In-person card rate
- 2.29% + 9¢ (card present or QR code)
- Online or invoice rate
- 2.99% + 49¢
- Keyed-in rate
- 3.49% + 9¢
- Monthly software
- Pay as you go $0 a month
- Free plan
- Yes
- Card reader
- $29 (PayPal Card Reader, first reader for a new business)
- Terminal
- $199 (PayPal Terminal)
- Payout speed
- Funds reach your PayPal balance within minutes; transactions may be held or delayed
- Contract
- No long-term commitments.
- Best for
- Retail shops, Service businesses, Mobile and pop-up sellers
- Other fees to know
- Invoices: 2.99% + 49¢ (cards), 3.49% + 49¢ (PayPal)
- Countries
- United States (PayPal's US pricing page)
Sources: paypal.com/us/business/pos-system/pricing, paypal.com/us/business/pos-system, read October 14, 2026
Is it worth it?
About $265 a month in card fees on $10,000 of in-person sales
A small shop taking $10,000 a month in card payments, in 400 sales of $25, would pay about $265 a month in total on the Pay as you go plan: $265 in card fees (2.29% + 9¢ on 400 sales of $25) and no monthly software fee. Hardware is not included, and rates change, so the date above matters.
Read this before you sign up
- PayPal says transactions are subject to review and may be held or delayed, so do not count on every sale being in your account the same day.
- The $29 price covers one reader for a new business. Extra readers are $79 each.
- Typed-in cards (3.49% + 9¢) and invoices (up to 3.49% + 49¢) cost far more than card-present sales.
Where these numbers come from
Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.
- Card-present, QR, manual-entry and invoice rates, reader and terminal prices, no monthly fee, review and hold notice Vendor page (2026-10-14)
- Zettle renamed PayPal Point of Sale, no long-term commitments Vendor page (2026-10-14)
What is PayPal Point of Sale?
PayPal Point of Sale, the product that was sold as PayPal Zettle in the US, is for sellers who want to take cards in person without any monthly cost. PayPal's pricing page says there are no monthly or setup fees. You pay 2.29% + 9¢ when the card is present, or when the customer pays by scanning a QR code, and 3.49% + 9¢ when you type the card number in.
Getting started is cheap. A new business can get its first card reader for $29 (extra readers are $79 each), or buy the Terminal for $199, or $239 with a built-in barcode scanner. You can also take contactless payments on your phone with the PayPal app and no extra hardware, and PayPal says there are no long-term commitments.
The trade-off is how PayPal handles your money. It says payments reach your PayPal balance within minutes, and also that transactions are subject to review and may be held or delayed. If you rely on same-day cash for supplier bills, keep a buffer. The app covers payments, inventory and sales reports; it is lighter than the full retail and restaurant systems in this list, so a busy shop with many staff may want more.
Key details
No monthly or setup feesContactless payments on your phone, no extra hardwareCard Reader and Terminal with built-in appQR code payments at the in-person rateInventory and sales tracking in the free POS appInvoicing
Explore more
PayPal Point of Sale FAQ
How much does PayPal Point of Sale charge per sale?
2.29% + 9¢ for card-present payments and QR code payments, 3.49% + 9¢ for manually entered cards, and 2.99% + 49¢ (cards) or 3.49% + 49¢ (PayPal) for invoices. Checked on PayPal's US pricing page on October 14, 2026.
Does PayPal Point of Sale have a monthly fee?
PayPal says there are no monthly or setup fees.
How much does the hardware cost?
A new business can buy its first Card Reader for $29; additional readers are $79 each. The Terminal is $199, or $239 with a built-in barcode scanner.
Is PayPal Point of Sale the same as Zettle?
In the US, PayPal says PayPal Zettle is now PayPal Point of Sale and that it works the same way, with no change to your account.
How fast do I get paid, and can PayPal hold the money?
PayPal says you can reach your money in minutes through your PayPal balance, and also that transactions are subject to review and may be held or delayed.
Is there a contract?
PayPal says there are no long-term commitments.
Source: paypal.com