PayPal Zettle vs Square: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for PayPal Zettle and Square across the selling types both offer, using published US pricing.
In-person card payments
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the PayPal Zettle vs Square calculator works, and how the two compare
PayPal Zettle is PayPal's in-person card reader and mobile point-of-sale product for small businesses. Zettle charges 2.29% + $0.09 per in-person transaction with no monthly fee; the card reader costs $79 ($29 for your first) and the Zettle Terminal $199. Square is an all-in-one flat-rate payments company covering card readers, full POS systems, and online stores. Square charges 2.6% + $0.15 in person on its free plan (readers from $59, Square Terminal $299), and 3.3% + $0.30 online on the free plan; paid plans at $49 and $149 per month lower those rates.
How they are similar: Where they overlap: both PayPal Zettle and Square cover taking card payments in person with a card reader or terminal, which is what this calculator compares. They also share the same commercial model: both operate as flat-rate card processing with published per-transaction fees. Neither requires a monthly subscription on the plans compared here, so your cost scales purely with sales. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Only Square offers a full POS system and online selling, so that side of the business is not part of this comparison. Zettle is a focused in-person product: one of the cheapest published card-present rates in the US, fast payouts into a PayPal account, but a lighter app than full POS platforms. Square is the strongest all-rounder: one account covers in-person, POS, invoices, and a free online store, with no monthly fee required to start.
Assumptions used in this calculator
- PayPal Zettle is modeled on: 2.29% + $0.09 in person, reader $79, Terminal $199, no monthly fee.
- Square is modeled on: 2.6% + $0.15 in person, free plan, $59 reader.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.