Our rating(3.5/5)
PayPal Here is a respectable pay-as-you-go solution for face-to-face payments, but transaction fees are not that competitive.
PayPal Here is PayPal’s own card reader and app for in-person payments, with easy sign-up and no contract. The service is best for small businesses, but merchants with low or inconsistent sales volumes may find it a little pricey.
  • Highs: No contractual lock-in or monthly fees. Tools for online payments. Integrated with PayPal business account.
  • Lows: Complex fee structure with least competitive rates for small businesses. Only accepts the most popular card brands.

This is a review of the UK version of PayPal Here. Read about PayPal Here in the United States and Australia.

Note: PayPal now sells iZettle Reader instead of PayPal Here. If you sign up through PayPal, payouts through iZettle will settle in your PayPal account for 1.75% per transaction.

Taxi drivers and others requiring the PayPal Here reader described in this review can get in touch with PayPal support to order it.


PayPal Here, the chip and PIN reader by PayPal, has a lot in common with the other leading mobile card readers in the UK, iZettle Reader and SumUp Air. Before you decide on one, there are three important differences you should be aware of: price, functionality and accepted cards. Let’s see how PayPal compares with the UK competition.

iZettle SumUp
PayPal Here card reader iZettle Reader 2 SumUp Air card reader
Solution type Card reader + mobile app Card reader + mobile app Card reader + mobile app
Card reader price £45 + VAT (offers may apply on website) £19 (normally £59) + VAT (link to offer) £29 + VAT (link to offer)
Size 10.3 cm x 7.1 cm x 1.8 cm 11 cm x 7 cm x 2 cm 8.4 cm x 8.4 cm x 2.3 cm
Chip card fee 2.75%–1.0% depending on sales volume 1.75% 1.69%
Swipe card fee 3.40% + 20p No swipe No swipe
Cards accepted  Visa Visa ElectronMastercard Maestro American Express   Visa Visa Electron V Pay Mastercard Maestro American Express Union PayDiners ClubJCBDiscover   Visa Visa Electron V Pay Mastercard Maestro American ExpressUnion PayDiners ClubDiscover
Contactless ContactlessApple PayGoogle Pay ContactlessApple PayGoogle PaySamsung Pay ContactlessApple PayGoogle Pay
Settlement Instantly to PayPal account, few hours/days to bank account 1-2 working days 1-3 working days
Tipping Yes Yes No
iZettle SumUp
iZettle SumUp