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Zettle by PayPal. Is it available in Australia – how does it work?
Point-of-sale devices and batch settlements are convenient ways for Australian shoppers to make in-store purchases.
The options for small businesses to secure the machines and receive the funds are no longer limited to the top 5 banks.
One of the choices is Zettle by PayPal. But is it available in Australia? Read on to find out.
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What is a Zettle by PayPal, and how does it work?
Zettle by PayPal began in 2011 in Sweden as iZettle, introducing the world’s first mini-chip card reader to small businesses.¹
The following year it expanded into the Nordics, UK, Germany and Spain.
In 2018 Zettle became part of the PayPal family and linked with the PayPal Business account. Then in 2021 changed its name to Zettle by PayPal.²
Several services are available from Zettle by PayPal, from card devices to payment solutions. Here’s a summary:
POS Systems
Two payment devices are available from Zettle³:
All-in-one terminal
This is a modern take on the portable POS terminal, and it:
- Connects directly to 4G or wifi
- Has the Zettle app built-in
- Accepts major payment methods
- Barcode scanner available (additional purchase)
Card reader
Pair this with a mobile device and accept payments on the go. The benefits include:
- You can set it up in minutes
- Bluetooth connection
- Accepts major payment methods
- Countertop dock available (additional purchase)
Payment Solutions
For businesses that don’t require POS terminals, Zettle by PayPal offers a range of payment solutions to meet the needs of any virtual or storefront business.
These include⁴:
- Gift cards - create, sell and redeem them via the Zettle app
- Invoices - generate them from your PayPal business account
- QR codes - PayPal QR codes, 1.75% fee per transaction
- Zettle payment links - 2.5% fee per transaction
Is Zettle by PayPal available in Australia?
Zettle by PayPal isn’t available in Australia, but the company plans to expand, so we could be on the list.¹
Meanwhile, there are alternatives; see the final two sections of this article.
Where is Zettle by PayPal available?
Zettle by PayPal is currently available in 12 countries, with more being considered in the future.¹
| Brazil | Denmark | Finland | France |
|---|---|---|---|
| Germany | Great Britain | Italy | Mexico |
| Netherlands | Norway | Spain | Sweden |
The benefits of using PayPal Zettle
Zettle by PayPal comes with some benefits including⁴⁵:
- Use the funds instantly to make purchases
- Create schedules transfers to other banks
- Fast access to funds - often arriving into your PayPal account within minutes
- Integration with leading payment products and accounting software
- Secure payment platform
- Business rewards with PayPal Business Debit Mastercard
- Cashback on eligible Mastercard purchases
What are the cons of using PayPal Zettle
Currently, Zettle by PayPal is only available in the UK, Europe and some Latin American companies. With no current presence in Australia, Asia or the US, it’s missing a lot of major markets.
Zettle by PayPal isn’t the cheapest payment solutions provider available. By shopping around, it’s possible to find transaction fees 0.5–1% lower than Zettles.
Some Alternative services to Zettle by PayPal available in Australia
Australian businesses don’t need to wait for Zettle by PayPal to launch here. Whether it’s POS devices, cloud payments, or the full package, there are some competitors to its products, and they’re available now.
Stripe
Stripe has similar offerings to Zettle by PayPal, including a fully customisable POS terminal.⁶
Payment solutions include⁷:
- Hosted payment page
- Integration with Wise
- Global use 135+ currencies
- SSAE18/SOC compliant
Payment options:
- Bank debits and transfers
- Authenticated bank debits
- Digital wallets
- Cash-based vouchers
- Cards
- Currencies
- Buy now, pay later
- Subsidiary support
Go Cardless
Go Cardless is also available in Australia and focuses on alternate payment methods, including⁸:
- Collect one-off payments from customers
- Recurring payments
- Customer can securely share bank account data
- International payments are powered by Wise ⁹
Square
Square operates similarly to Zettle by PayPal and Stripe.¹⁰
In person payments can be received via:
- Square reader
- Square terminal
- Square register
- Square stand
Card-not-present options include:
- Square invoices
- Card payment via virtual terminal
- Payments from ecommerce platforms
Airwallex
If a POS terminal isn’t a requirement with all payments done online, Airwallex may offer a solution.
With Airwallex, small businesses in Australia can¹¹:
- Give customers a link to your custom-built payment check-out page
- Accept payments in 160+ payment methods and 180+ currencies
- Reduce chargebacks with built-in fraud prevention
- Eliminate FX conversion fees with like-for-like settlement
- Access shopping platform extensions with WooCommerce and Magento eCommerce
Wise Business
While you’re waiting for Zettle by PayPal to arrive in Australia, Wise may have a solution.
The Wise Business Account integrates with Stripe. So you can receive your batch payment settlements in Australian dollars directly into the account.
Wise can provide 9 other local account details if you conduct business in other countries.
Use the funds to make payments to 80 countries in over 50 currencies using the transparent mid-market rate plus a small transaction fee.
Just like Zettle by PayPal, The Wise business debit card can be used at ATMs, in-store, or online shopping via the Mastercard network.
Find out how Wise, partnered with Stripe, can assist your Australian business with POS and settlements.
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| Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information. |
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Sources:
- Zettle About us
- Zettle and PayPal
- Zettle POS systems
- Zettle Payment solutions
- Zettle by PayPal
- Stripe Terminal
- Stripe Payments
- Go Cardless
- Go Cardless international payments
- Square How it works in Australia
- Airwallex
Sources checked on: 15 June 2023
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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