Zettle Alternative For Merchants

Why SMBs look for a Zettle alternative?

Zettle is built around in-person card readers and point-of-sale hardware. Its online payment tools are limited: Payment Links are listed at 2.5% per transaction and are temporarily unavailable to new sellers due to ongoing product enhancements.

Replace in-person card reader tools with a complete online checkout

Zettle's primary products are card readers that require hardware purchase and physical setup. Its online capabilities sit at the edges of this hardware-first product. Paypercut requires no card machine, no device purchase, and no physical setup. Hosted checkout, embedded checkout, and e-commerce plugins for WooCommerce, Shopify, OpenCart, PrestaShop, Magento, and MerchantPro are available as soon as your account is verified via fully digital onboarding.

Send payment links without a higher transaction fee or product restrictions

Zettle charges 2.5% per transaction for Payment Links, which is significantly higher than its standard in-person card rate of 1.75%. Payment Links are also currently temporarily unavailable to new sellers due to ongoing product enhancements. Paypercut includes payment links as a native feature at the same flat transaction rate as checkout: 1.29% + €0.10 for EEA consumer Visa and Mastercard cards, and 2.69% + €0.10 for all other cards. There are no higher rates for links, and no product restrictions.

Collect QR code payments natively, not via a separate PayPal feature

Zettle previously offered PayPal QR Codes at 1.75%, but this feature is only available to sellers who signed up before 8 May 2023 and is no longer available to new sellers. Paypercut includes QR code payments as a built-in feature for all merchants from day one, accessible through the same dashboard as your checkout and payment link transactions, with no signup date restriction.

Add BNPL to your checkout without any separate provider contract

Zettle does not offer Buy Now, Pay Later for merchants. There is no BNPL product in its current payment suite. To give your customers an instalment option, you need to integrate a completely separate BNPL provider on top of your Zettle setup. Paypercut is the first BNPL aggregator built for Central and Eastern Europe, giving merchants access to multiple BNPL providers through a single integration, with upfront merchant settlement at a flat all-inclusive fee of 5% per approved BNPL transaction. No extra contracts, no separate dashboards, and no additional provider onboarding.

Paypercut vs Zettle comparison

Zettle is a card reader and POS platform. Paypercut is a complete online payment platform built for European merchants.

Feature

Primary focus

Online payments platform for EU SMBs

In-person card readers and POS hardware

Hardware required

Yes, card reader from £29 or terminal from £149 excl. VAT

Онлайн плащания

Hosted, embedded, and e-commerce plugins

Разширения за онлайн магазини

WooCommerce, Shopify, OpenCart, PrestaShop, Magento, MerchantPro

Платежни линкове

Built-in, ready to use

2.5% per transaction; temporarily unavailable for new sellers

Плащания с QR кодове

Built-in for all merchants from day one

Only for sellers who signed up before 8 May 2023

Supported cards (online)

Visa, Mastercard

Visa, Mastercard, and local payment methods per market

Digital wallets (In-person)

Apple Pay, Google Pay

Yes, accepted at 1.75%

Digital wallets (online)

Apple Pay, Google Pay via checkout

Not available via online checkout

Currencies supported

EUR, RON, GBP, USD, CHF, CZK, HUF, PLN

GBP (UK primary)

Geographic reach

29+ European countries from one platform

UK-primary

Transaction Fee (payment links)

Same as checkout: 1.29% + €0.10 or 2.69% + €0.10

2.5% (and temporarily unavailable to new sellers)

Monthly or setup fees

None

Recurring and subscription billing

Not available

Sandbox and test environment

Onboarding

Fully digital KYC, no paperwork, go live within days

Online signup, hardware delivery required for card acceptance

Compliance

PCI-DSS, EU-regulated, PSD2, end-to-end encryption

PCI-DSS, PayPal-regulated security standards

Want to see how Paypercut compares for your specific business?

Talk to our team

Why teams switch from Zettle to Paypercut?

Zettle is powerful but complex. SMBs need simple checkout, unified BNPL, and seamless expansion across Europe, without the overhead.

When your payment setup should not depend on receiving hardware in the post

Zettle's core product requires a physical card reader or terminal. Delivery takes approximately one to two business days, meaning you cannot start accepting card payments until the device arrives and is set up. Paypercut requires no hardware. You register online, complete digital KYC verification, connect your existing bank account, and start accepting payments through checkout, links, or QR codes immediately.

When payment links should not carry a premium rate or a product restriction

Zettle charges 2.5% per transaction for Payment Links, compared to its standard 1.75% for in-person card transactions. This higher rate applies to a feature that Zettle has also made temporarily unavailable to new sellers. Paypercut charges the same flat transaction rate for payment links as for checkout transactions. There is no premium and no restriction based on when you signed up.

When BNPL should be part of your checkout, not a missing feature

Zettle has no BNPL product for merchants. Offering instalment options to your customers requires integrating a completely separate solution. Paypercut aggregates multiple BNPL providers through one integration, with one flat fee and upfront settlement. Your customers see relevant BNPL options at checkout and you receive full payment immediately, with no additional contracts to manage and no separate provider relationship to maintain.

When your online payments should extend across different countries

Zettle is primarily designed for the UK market, with functionality centred on in-person card acceptance. Its online tools are limited, restricted, or unavailable to new users. Paypercut supports 29+ European countries from a single account, with local currencies, local BNPL providers, and local payment rules applied automatically per market. Expansion into a new country does not require a new device, a new application, or a new provider relationship.

Изборът на растящите европейски бизнеси

Paypercut помага на водещи европейски компании да приемат онлайн плащания, да предлагат опции за разсрочено плащане и да увеличават броя на успешно завършените плащания чрез бързи, надеждни и съобразени с местните пазари платежни решения

Stilu Vanghele

Better shop

“Настройката на Paypercut беше по-лесна, отколкото очаквахме. Екипът ни преведе през всяка стъпка и се увери, че сме напълно готови, преди да започнем.”

Yücel Ocak

Svet Bazenov

„Трудно намирахме платежно решение, което работи добре на пазарите, на които оперираме. С Paypercut най-накрая имаме решение, съобразено с нашия регион и реалните ни нужди.“

Jani Ferjan

Nomadis

„Да намерим решение за разсрочени плащания, което наистина работи в нашия регион, винаги е било предизвикателство. Paypercut ни даде подход, съобразен с нашите пазари и начина, по който клиентите ни плащат.“

Borislav Borisov

Fitsys

„Партньорството ни с Paypercut ни позволи да предложим на клиентите ни бързи и сигурни онлайн плащания с карта. Това повиши удовлетвореността им и ни дава увереност да препоръчаме Paypercut като надежден партньор за онлайн плащания.“

Valerijs Zvarics

Smart Pay

„Радваме се, че работим с Paypercut - надежден партньор за сигурни и лесни онлайн плащания. Платформата им е интуитивна, технологично стабилна и създадена с ясен фокус върху нуждите на клиента.“

Constantinos Skanavis

Wrapp

„С Paypercut се работи лесно. Екипът действа бързо, комуникира ясно и приема партньорството като истинско сътрудничество, а не просто като поредната задача.“

Stilu Vanghele

Better shop

Yücel Ocak

Svet Bazenov

Jani Ferjan

Nomadis

Borislav Borisov

Fitsys

Valerijs Zvarics

Smart Pay

Constantinos Skanavis

Wrapp

Създадено в Европа за европейския бизнес

Платежно решение, създадено за търговци в Европа - с разбиране за местните пазари. С Paypercut можете да работите от всяка точка на ЕС и да продавате в над 29 европейски държави и извън тях, с поддръжка на местни валути и доставчици на разсрочени плащания. Разширявайте бизнеса си, без да променяте начина, по който приемате плащания - ние се грижим за местните изисквания вместо вас.

Наличен за всички европейски пазари

Поддържани методи на плащане

Поддържани валути

EUR

RON

GBP

USD

CHF

CZK

HUF

PLN

Още възможности, включени от самото начало

Приемайте плащания по-лесно, получавайте средствата си по-бързо и предлагайте удобен процес на плащане навсякъде, където продавате

Comparison FAQ

Изпробвайте демото за онлайн плащания на Paypercut

Предоставяме ви възможността да разгледате как вашите клиентите ще плащат с карти, дигитални портфейли, платежни линкове и QR кодове, преди да започнете регистрация

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Свържете се с нас

Paypercut EOOD, ЕИК 208256434, е SaaS компания, предоставяща техническа платформа и допълнителни нерегулирани услуги. Регулираните платежни услуги и услугите, свързани с електронни пари, се предоставят от Paynetics AD, ЕИК 131574695, институция за електронни пари, лицензирана и регулирана от Българската народна банка, и от Embed BV, ЕИК 85548413, платежна институция, лицензирана и регулирана от Холандската централна банка, като и двете институции имат право да предоставят услуги в цялата Европейска икономическа зона (ЕИЗ).