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

Online checkout

Hosted, embedded, and e-commerce plugins

E-commerce plugins

WooCommerce, Shopify, OpenCart, PrestaShop, Magento, MerchantPro

Payment links

Built-in, ready to use

2.5% per transaction; temporarily unavailable for new sellers

QR code payments

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.

Trusted by growing European businesses

Paypercut is used by the leading European businesses to accept payments, offer BNPL, and improve their checkout conversion with fast, reliable, and locally supported payment tools.

Stilu Vanghele

Better shop

“Setting up Paypercut was simpler than we expected. The team walked us through every step and made sure we felt confident before going live.”

Yücel Ocak

Svet Bazenov

“It’s been hard to find a payment solution that works well in our countries. With Paypercut, we finally have something that makes sense for our geography and our needs.”

Jani Ferjan

Nomadis

“Finding a BNPL solution that actually works across our region has always been a challenge. Paypercut gave us an approach that fits our markets and how our customers pay.”

Borislav Borisov

Fitsys

“Through our partnership with Paypercut, we were able to provide our clients with fast and secure online card payment processing. This led to a noticeable increase in customer satisfaction and gives us the confidence to recommend Paypercut as a reliable partner for all types of online payments.”

Valerijs Zvarics

Smart Pay

“We are pleased to partner with Paypercut, a trusted provider of seamless and secure payment solutions. Their intuitive platform enables reliable online transactions, supported by strong technology and a clear focus on customer satisfaction.”

Constantinos Skanavis

Wrapp

“Paypercut has been great to work with. They move fast, communicate clearly, and treat the partnership like a real collaboration, not just a checkbox.”

Stilu Vanghele

Better shop

“Setting up Paypercut was simpler than we expected. The team walked us through every step and made sure we felt confident before going live.”

Yücel Ocak

Svet Bazenov

“It’s been hard to find a payment solution that works well in our countries. With Paypercut, we finally have something that makes sense for our geography and our needs.”

Jani Ferjan

Nomadis

“Finding a BNPL solution that actually works across our region has always been a challenge. Paypercut gave us an approach that fits our markets and how our customers pay.”

Borislav Borisov

Fitsys

Valerijs Zvarics

Smart Pay

Constantinos Skanavis

Wrapp

“Paypercut has been great to work with. They move fast, communicate clearly, and treat the partnership like a real collaboration, not just a checkbox.”

Made in Europe, for European businesses.

Online payments built for EU merchants - with local know-how where it matters. You can work with Paypercut from anywhere in the EU and sell across 29+ European countries and beyond, with local currencies and local settlement in selected markets. Expand your business without rebuilding your checkout - we handle local payment rules for you.

Available in all European markets

Accepted payment types

Supported currencies

EUR

RON

GBP

USD

CHF

CZK

HUF

PLN

Product add-ons included by default.

Sell more, get paid faster, and deliver a seamless checkout experience across every channel.

Comparison FAQ

Try Paypercut’s online payments demo.

See how your customers will pay - cards, wallets, links, and QR - before you sign up.

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Contact us

Paypercut EOOD, company number 208256434, is a SaaS company providing a technical platform and ancillary non-regulated services. Regulated payment and e-money services are provided by Paynetics AD, company number 131574695, an electronic money institution licensed and regulated by the Bulgarian National Bank and by Embed BV, company number 85548413, a payment institution licensed and regulated by the Dutch Central Bank, with both institutions passported to provide services across the European Economic Area (EEA).