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Friday, July 27th, 2018
Best Payment Providers

What We Like

iZettle offers reliable, easy-to-use services for small merchants. It is transparent about pricing, and it doesn’t charge a lot of extra fees.

What We Didn't Like

iZettle’s customer service was lacking, expect long waits for responses. Also, customers have complained about long holds on funds. A number of business type, including gambling, vaping, and other high-risk businesses, are prohibited from using is app and services.

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Founded in Stockholm in 2010, iZettle is a mobile credit card processing app and card reader. Its reader is made to accept chip and PIN (EMV) cards, and it is compatible with iPhones, iPads, and Android devices. Its services are available to small businesses It operates in the following countries in Europe and Latin America, UK, Germany, France, Sweden, Norway, Netherlands, Spain, Italy, Finland, Denmark, Mexico and Brazil. iZettle revolutionized the mobile payment industry by creating the first mini chip card reader for mobile devices. Its card readers accepts major credit cards, like Visa, MasterCard, and American Express, as well as Google Pay and Apple Pay.

Also, there are a number of businesses that iZettle prohibits from using its app and services. Prohibited businesses include pharmaceuticals, firearms, gambling, gaming, drug paraphernalia, vaping, live streaming services, dating sites, pornography, anything that promotes hate, racism, or extreme political views, and other high-risk businesses.


iZettle promotes its app, services, and accessories through its site. Marketing is clear, straightforward, and easy to read, find, and understand. It’s easy to find information about the app, how to use, as well as how much everything cost. This approach to marketing is a breath of fresh air.

Also, iZettle is offering a card reader promotion through July 31. A new business user can get a iZettle card reader, which is regularly priced for 59 plus VAT. All of this information was clearly promoted, as well as a disclosure that explained the special details at the bottom of the page.


Any a small business would want to know about using iZettle, its app, and products are available on its site. We found no overtly misleading or deceptive claims. However, most of the complaints about iZettle have to do with holding funds for long periods of time. In some of these incidents, its seems it was due to questionable business activities.


On a positive note, iZettle does not use independent sales agents, and of the few complaints filed against the business, none of them refer to aggressive sales tactics or failure to disclose fees. iZettle uses traditional sales tactics and classic referrals to build its customer base and to market its services.


iZettle representatives can be reached by phone and email. Its sales team is available via email. Technical support is offered from 9 a.m. to 5 p.m. Monday through Friday with the iZettle Go plan. Premium support, which from 8 a.m. to 8 p.m. Monday through Friday and Saturday and Sunday from 9 a.m. to 6 p.m., is available to those who choose the iZettle Go Plus plan.

A handy, thorough support resource center, which has the answers to questions to about using the app, troubleshooting, and more, also is available on the site.

Staff Education

During our interactions, we found sales staff to be fairly knowledgeable about the products and services that were offered. The information we received was consistent and helpful, but most often we were referred to its site, which we found to be the best place to get information.

Staff Responsiveness

There is likely a reason why iZettle’s support phone number is buried on its Frequently Asked Questions page. Expect to spend a long time waiting to just a reach a person. When we did get some, they were able to offer valid information but something about the interactions seemed disjointed.

Email wasn’t the best way to reach them either. It took more than two days to get a return email. The email was vague and didn’t offer much information or encourage me to call.

Additionally, it has a Facebook page, but iZettle only posts sporadically. The last post was from March. It in no way uses this site to communicate or engage with customers.

However, @ZettleSupport does provide some service updates and does some customer inquiries.


iZettle charges no set-up, PCI-compliance, or monthly fees. Its processing rates are a bit higher, but all pricing is transparent and easy to find on its site. Account holders only pay transaction fees on successful sales. Fees vary depending on the type of transaction, the merchant’s country of origin, and business volume.

The interchange fee and scheme fee may vary depending on which acquirer we use. The acquirer is the party that processes and settles the payment from your customer to iZettle. iZettle uses Bambora and Elavon as its acquirers, which is the party that process and the settles the payments between the customer and iZettle. In addition to the iZettle fee, users pay interchange and scheme fees depending on which acquirer is used. Find the full fee schedule by Bambora and Elavon here.

iZettle offers two plans: Go and Go Plus. With Go, you get to use the Go app, which turns a smartphone or tablet into a point-of-sale system allows you take card and invoice payments, at no charge. A product library, daily deposits, SMS receipts, and low-stock alerts are some of the features that come with the app. Card payments are charged a fixed transaction fee of 1.75%, regardless of the card you process with your iZettle Reader. There is an extra cost for the reader or any other accessories you may need.

With Go Plus, you pay £29 per month plus VAT. This plan includes all of the features that its basic plan offers plus the ability to sell online with iZettle E-commerce. This plan allows you to sell in-store and on a website. Other perks included are: extended weeknight and weekend support hours and a lifetime warranty for your reader.

Card purchases made with your reader is a fixed 1.75% fee. The fee climbs to 2.5% for those made using your online shop.
With either plan, you can send as many invoices you want for free. For each paid invoice, you pay 2.5%. If you sign up for Pro for hospitality, you pay 1.25% in transactions fees no matter what card is used.

It is important to note that iZettle does impose limits on transaction volumes, depending on the type of transaction. This is the full list of limits.

Early Termination Fee

iZettle offers month-to-month contract and charges no early termination fees.


It offers a store mobile kit, which comes with a iZettle card reader, mobile receipt printer, and 20 rolls of receipt paper for £259. Also, it sells a: compact drawer wrap for  £89 GBP, a cash drawer for  £109, a card reader is  £59, and a reader dock is  £39, and a barcode scanner, which is only compatible with iOS products, for £229. All of these prices exclude VAT.

Unique Conditions

Setting up an iZettle account is simple and similar to other payment aggregators, such as Stripe and PayPal. Unlike other aggregators, iZettle does run credit checks on new users. iZettle does this to verify the individual’s identity and to ensure it is operating within all laws and regulations.

Also, it is important to note that you can only connect to a bank account that is located in the same country where you signed up for the account.

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