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Looking for help with PayPal Here Card Reader v.1 ?

How to use PayPal Here videos

Pairing the card reader via Bluetooth

How to connect the PayPal Here card reader with your mobile device using Bluetooth

Taking Chip and PIN payments (iPhone)

Start accepting payments using the PayPal Here reader and your iPhone

Accepting Contactless (NFC) payments

How to accept contactless payments

Getting started

It’s easy to get started with PayPal Here. All you’ll need is the PayPal Here app on your iPhone, iPad or Android with 3G or WIFI connection (see below for device compatibility) and the PayPal Here card reader.

Sign up for PayPal Here online or simply download the free PayPal Here app and set up your account – you can order the card reader at the same time.

Please note that PayPal Here is only available for UK residents. Use of the PayPal Here card reader is subject to application approval. See full terms and conditions.

You can order your card reader online now or by tapping the menu icon in your app > Card Readers > Order a New Reader.

Once you've purchased the reader, it should take 2-3 working days to arrive. You can return your reader free of charge within 30 days if you’re not satisfied. New readers have a one year warranty period.

Terms and conditions

Ordering your card reader through the app

You can login to your account using your email address and password or you can set up a PIN and login using your mobile number.

On the Iogin screen, tap on the settings icon to select your preferred login method.

To set a PIN for mobile number login, go to your PayPal account online, then “Profile & Settings”. Then, in ‘Phone’ settings, choose ‘Update’, and you can set or change your PIN.

The PayPal Here app is available for iPhone, iPad and selected Android tablets and phones. To process transactions, your device must be connected to the internet via Wi-Fi or by mobile data.

  • iOS devices (iPhone 3GS and later) running iOS version 7.0 and later

  • iPad devices running iOS version 7.0 and later

  • Android devices running 4.0 or later, Bluetooth 2.0 (or higher) and support both capturing devices and peripheral card readers via Serial Port profile (SPP).

At the moment the card reader is NOT compatible with the following Android devices.

ManufacturerModelAndroid Version
SamsungGalaxy Ace2.3.3
SamsungGalaxy Ace2.3.6
SamsungGalaxy Ace VE2.3.6
SamsungGalaxy Ace Plus2.3.6
SamsungGalaxy Y2.3.6
SamsungGalaxy Ace Advance2.3.6
SamsungGalaxy Pocket2.3.6
HTCWildfire S4.0.3
SamsungGalaxy Ace VE2.3.6
Sony EricssonXperia Arc2.3.4
Sony EricssonXperia Arc S2.3.4


PayPal Here is currently not available for Windows devices.

Please note that PayPal cannot guarantee that all PayPal Here card reader features will work with all phone models. This is because changes to settings and protocols made by phone manufacturers and mobile carriers are outside of PayPal’s control.

About the card reader

The PayPal Here Chip and PIN card reader is an easy to use, quick and secure way to process payments on the go.

To switch the card reader on, press the ON/Off (power) button located on the top of the reader, once.

To switch the card reader off, press and hold the power button for three seconds. Once off, the card reader will not react to any key presses (except the power button).

To place the card reader to sleep mode, first minimise the app, then press the power button once. In sleep mode, the card reader's power consumption is very low and its Bluetooth connection is off.

To wake the card reader from sleep mode, press any key on the keypad. The card reader will auto connect and ready to use within a few seconds.

Flashing Bluetooth = Ready to connect
Card reader connected
Battery level
Battery charging

The card reader is fitted with an internal rechargeable battery that cannot be removed or replaced.

Before using your card reader for the first time, we recommend you charge its battery for at least 3 hours. You can do this by connecting a USB cable from the micro-USB port on the side of the card reader to your computer or any USB plug adaptor.

When charging the device by connecting it with a laptop via the USB cable, make sure that the laptop is connected to a power source, otherwise the device will not charge.

Once fully charged, your reader should last up to 7 days (on standby) or up to 100 transactions.

There are 2 ways to check the card reader's battery level:

Step 1The battery icon shown on the card reader’s screen.
Step 2From the app, tap the credit card icon at the top right of your screen, select About your card reader, which will show the percentage of battery.

When the card reader's battery level is at 30% or less, you will be prompted in the app to recharge it.

When you are not taking payments, the card reader automatically goes into sleep mode.

When you’re ready to take payments again, open up the app then press any button on the card reader - it should reconnect within seconds.

If you are not planning to use the card reader for a while, we recommend you to turn it off. You can turn off the card reader completely by pressing the power button for 3 seconds.

To pair your PayPal Here Card Reader with your mobile device for the first time, follow these steps:

Step 1Go to your mobile device Settings and turn on Bluetooth. You’ll see a list of available Bluetooth devices.
Step 2 Turn on the card reader. The on-screen Bluetooth icon will start to blink rapidly, indicating that it's ready to connect
Step 3Select the card reader from the list of available Bluetooth devices. A steady Bluetooth light on the card reader will indicate that it's successfully paired.
Step 4From now on, your card reader will auto-connect to the app whenever you turn it on.

TIP: To ensure auto-connect works, make sure the card reader is on and the Bluetooth light is on before you open the app.

Bluetooth not picking up card reader?
  • Hold down the Bluetooth button, located on the top right of the card reader, until the Bluetooth light is blinking quickly

  • Make sure the reader is charged by connecting the USB cable

  • Go into your Bluetooth settings and remove the card reader from your list. Then run through steps 1-4 again.

Taking payments

With PayPal Here, you can offer customers more ways to pay. Accept Chip and PIN or Contactless debit and credit cards.

Please read the PayPal Here Agreement

To enter a new sale:

iPhone and Android

Step 1Enter the total amount due, and an optional order description. Tap ADD to enter a new item. When the order is complete, tap Charge to see the other payment options.
Step 2To add items from your product list, you can swipe the number pad to the left or tap the product list icon.

To review items in your cart, tap the total amount and you will see an itemised list plus any applied tax or discounts.

iPad users only

Step 1Enter the amount per item then tap Enter. When the order is complete, tap Charge.
Step 2To add items from your product list, you can swipe the number pad to the left or tap the product list icon.
Entering an amount
Entering item from product list

To save an item to your product list, tap the menu icon, then tap Manage Items. Tap the + sign to add a new item

To add a new product from the cart screen, you can tap the edit icon then tap the + sign

You can enter the item's price and description, add an optional picture and/or an associated VAT rate

You can add or create new items by using the iPad’s camera to scan barcodes.
Step 1From the Charge screen, tap the Barcode icon.
Step 2Hold the barcode over the red line until it registers.
Step 3You can then use the barcode to create a new item, or add it to an existing item.

Here’s how to process a Chip and PIN card payment:

Step 1Make sure the card reader is connected.
Step 2When you're happy with the total amount to be paid, tap Charge, then firmly insert the customer's card into the bottom of the card reader.
Step 3Your customer confirms the amount to pay on the mobile device screen and enters their PIN into the card reader.
Step 4Once the payment has been approved, you can send them a receipt by email or SMS.

If you are unsure whether or not a payment has gone through, tap the menu icon then tap Sales Activity. You will see a list of recent transactions, or you can tap Sales History to see older transactions.

To process a contactless payment:
Step 1Make sure your card reader is connected
Step 2Check the amount to be paid
Step 3Tap charge
Step 4Ask your customer to place the contactless card or NFC enabled device over the reader’s screen until all four lights at the top turn green.
Step 5Once the payment has been approved, you can send them a receipt by email or SMS.

If you are unsure whether or not a payment has gone through, tap the menu icon then tap Sales Activity. You will see a list of recent transactions, or you can tap Sales History to see older transactions.

Customers with signature-only cards can make a payment by providing their signature on the screen of your device.

Here's how to process a signature payment:

Step 1Make sure the card reader is connected.
Step 2When you're happy with the total amount to be paid, tap Charge then swipe the customer's card in the slot at the top of the card reader from left to right and with the magnetic strip facing away from you.
Step 3Your customer can add a tip if you have enabled this option in the app Settings.
Step 4Ask your customer to confirm the amount by signing their name directly on the screen with their finger.
Step 5Once the payment has been approved, you can send them a receipt by email or SMS. You can also add customer information at this point.

Note: There is a charge of 3.40% + 20p for card payments made by swiping the magnetic stripe

PayPal Here provides an easy way to keep track of any cash or cheque payments your customers make.

Here's how to record a cash or cheque payment with your PayPal Here app:

Step 1When you're happy with the total amount to be paid, tap Charge.
Step 2Select Cash or Cheque as the payment method
Step 3If it's a cash payment, enter the amount of cash received then select Next
Step 4Once the payment has been approved, you can send them a receipt by email or SMS. You can also add customer information at this point.

Note: PayPal does not process cash or cheque payments - the PayPal Here app only provides a facility for recording your cash or cheque payments. There is no fee for recording these types of payments. You will need to independently process any cheques with your bank.

PayPal Here lets you issue invoices straight from the app - anywhere you do business.

Here's how to issue an invoice with your PayPal Here app:

Step 1When you're happy with the total amount to be paid, tap Charge.
Step 2Select Invoice as the payment method.
Step 3Enter the customer's details.
Step 4Select the invoice's due date.
Step 5Tap Send to complete the invoice.
Step 6Your customer can settle the invoice online at www.paypal.co.uk or with the PayPal Here app.

Note: the fees applied depend on how your customer pays the invoice.

PayPal Here lets you send receipts to your customers by email or SMS for all sales, refunds and cancelled sales. If your customer has lost their receipt, you can easily reissue a receipt at any time.

Here's how to reissue a receipt:

steps 1Tap the menu icon then tap Sales Activity. Tap Sales History for a complete record of your transactions.
[iPad users] Tap the settings icon then tap Sales History.
steps 2Find the transaction you would like to reissue a receipt for and tap it.
steps 3Tap Send Receipt to send the customer a receipt by email or SMS.

You'll be shown an option to Save customer information. This information will display in your Sales history.

PayPal Here is also compatible with selected printers to enable you to print reciepts. View list of compatible printers

You can issue full or partial refunds for any card or PayPal check-in payment.

Here's how to issue a refund:

Step 1Tap the menu icon in the top left then tap Sales Activity. Tap Sales History for a complete record of your transactions.
Step 2Find and select the transaction you wish to refund.
Step 3Tap Refund.
Step 4Enter the refund amount, and tap Refund. You can then text or email your customer a receipt.

Note: Fees apply to refund transactions where there is an additional PayPal fee.

If you plan to offer discounts on any of your products or services, PayPal Here can make the calculations automatically.

To get started, you'll need to turn on the discounts feature:

[For iPhone and Android users] Tap the menu icon then tap Settings and turn Discount ON. Now you can apply a discount to any sale.

Here's how:

Step 1 Once you have a total for the sale, tap the amount or drag down the number pad.
Step 2Tap Discount.
Step 3Enter the amount or the percentage that you would like to discount. When you're finished, tap Done.
Step 4The discount will now be reflected in the final price.You'll also be able to see the exact amount of the discount.

[iPad users only] Tap the Settings icon and turn Discount ON. Now you can apply a discount to any sale by tapping Discount on the cart details screen.

PayPal Here enables you to accept tips as a percentage or a flat amount as part of the payment process.

Here's how to get started:

Step 1 Tap the menu icon then tap Settings then Tips. iPad users tap the Settings icon then tap Tips.
Step 2To turn on tips, tap or slide your finger from OFF to ON.
Step 3You can choose to receive tips by amount or percentage.
Step 4Tap to edit any of the pre-set amounts.
Step 5When you've finished, tap Done.

Now when your customers check out, they’ll be prompted to enter a tip before completing payment. Customers can choose a pre-set tip amount or tap Other to specify their own amount. PayPal Here automatically adjusts the purchase total based on the tip amount.

You can configure PayPal Here to calculate tax on all sales.

Here's how:

Step 1Tap the menu icon then Settings. iPad users tap the Settings icon.
Step 2On the next screen, tap Tax and turn Tax ON if you wish to set tax rates and automatically calculate tax.
Step 3To set a new tax rate, tap Add New Tax Rate in iOS or the + symbol in Android.
Step 4Give your tax rate a descriptive name, e.g. VAT. If you'll be applying this rate to most sales, tap Set as Default Tax Rate.
Step 5If your tax rate will be added to each item, select Tax will be applied to each item. If the tax rate is included in the prices you charge, select Tax is included in item price.

Managing your account

Once you've successfully signed up for PayPal Here, you'll have access to business tools online and in the app. Customise your business profile to control how you want it displayed in receipts and to the public, view your daily sales or run full sales reports at the tap of a button. You can also create sub-users for your business.

Basic information about your business appears on your customer receipts and in the "Local" tab of customers' PayPal app. This means potentially thousands of PayPal customers can locate your business from their mobile device and then check-in to pay with PayPal – no cards required.

It’s important to add a business logo and to use the correct business name (i.e. not the name of the business owner)and address as these will help your customers find you in their PayPal app.

To edit the displayed information, sign in to your account online from a computer and select My Business Details. From there you can edit your business address, URL, email address and phone number. You can also add your VAT Registration Number.

Under the Returns Policy section, you have the option to customise the text that will show in your customer reciepts eg. information about your returns policy or opening hours.

You can allow multiple users to carry out sales activities on behalf of your PayPal Here account.

Here’s how:

Step 1Log in to your PayPal account online.
Step 2Go to “Profile” then “Account Settings”.
Step 3Under "Manage Users", click “Get started”.
Step 4Set the appropriate permissions for your new user.

Please note that a card reader can only be paired to one mobile device at any one time.

You can use PayPal Here to view your entire sales history on one screen.

Here’s how:

Step 1Tap the menu icon, then tap Sales Activity. iPad users tap Sales History.
Step 2Tap Sales History.
Step 3You'll see a list of your sales. The icons will tell you which sales are paid, unpaid, refunded or cancelled.
Step 4Tap any transaction you want to view in full detail.
Step 5When you're finished, tap Back.

You can also log in to your PayPal account online to see your sales history and to generate sales reports.

Our logos and banners are a great way to let your customers know that you choose PayPal to process their payments. PayPal offers hosted banners, buttons, and payment option graphics that you can use on your homepage and in your checkout.

Visit our Logo Centre for branded banner options.

PayPal Here is certified by Visa® and MasterCard® and complies with the highest security standards: PCI PTS S-RED 3.0, UKCC, EMV Level 1 and 2. End-to-end encryption and Chip and PIN technology is backed by our world-class risk and fraud management systems, so you and your customers can get on with doing business, knowing that all financial information is handled securely.

PayPal also delivers one of the most secure payment platforms in the world. Our dedicated team of security specialists monitor your transactions 24 hours a day, 7 days a week, identifying possible suspicious activity and helping protect you from fraudulent transactions.

If a transaction doesn’t go as planned, or you’re worried about anything at all, like fraud or phishing, it’s easy for you to report issues and get help. Contact Customer Care on 020 8080 6500 or 0800 358 9448. *

Terms and conditions

Funds

Whether it’s in person with PayPal Here, online, by invoice or from eBay, all the money goes to your central PayPal account.

Sales made using Chip and PIN or PayPal go into your PayPal account straight away. You can then transfer the funds into your bank account within 2 hours or spend it online direct from your PayPal account*.

You can transfer money from your PayPal balance to a bank account linked to your PayPal account (log in at www.paypal.co.uk to link and confirm your bank account if you have not done so already).

Step 1Tap the menu icon, then tap Sales Activity. iPad users tap Sales History.
Step 2Tap Transfer Funds.
Step 3In the 'From' field, select the PayPal balance from which you want to transfer funds.
Step 4In the 'To' field, enter the destination bank account.
Step 5Enter the amount to be transferred and tap Transfer.

Funds are transferred to your bank account normally within 2 hours*.

Please note, as a PayPal Here merchant, you may be subject to an Account Reserve, which is a pool of money set aside in your PayPal account to help ensure that you’re able to meet any liabilities that your business might incur.

We will let you know during the sign-up process whether there are any reserves on your account. We'll also send you an email with the specific details of your funds availability, and you'll be able to see these details in your account at any time.

Any reserves placed on your account will be dependent on the characteristics of your business or your account. As with all reserves, we regularly review the reserve settings on all affected PayPal Here accounts. When the reserve is no longer necessary, it will be removed.

More about funds availability

Fees

There are no monthly fees or fixed terms with PayPal Here. The card reader is a one-off purchase and then you simply pay as you go per transaction.

Transaction fees for Chip & PIN and contactless payments start at 2.75% and can drop to as low as 1.5% based on your total sales volume processed with PayPal. * Blended rate of 3.40% + 20p, or Interchange Plus rate of Interchange + 3.15% + 20p applies for card payments made by swiping the magnetic strip or manually entering the card details. Amex card payments with Chip & Pin, Chip & Signature, and Contactless functionality are always processed with a rate of 2.75%. Amex card payments made by swiping the magnetic stripe or manually entering the card details are always processed with rate of 3.4% + 20p. Additional fees such as cross-border fees may apply. See our terms for details.

FAQs

Yes. To process transactions, you must be connected to the internet via Wi-Fi or mobile data.

Your customers won’t need a PayPal account if they want to pay with their debit or credit card, cash or cheque. If they want to use check-in to pay with PayPal, they will need a PayPal account and download the PayPal app to their mobile device.

You can accept debit and credit cards from:

  • Visa

  • MasterCard

  • Maestro

  • American Express

No. There is no cancellation process. If you no longer wish to use the product, you can simply delete the app, and the device, if purchased, is yours to keep.

No, you have to be in the UK to sign up for and use PayPal Here.

Yes, as long as they have a supported card: Visa®, MasterCard®, Maestro or American Express.

PayPal Here supports Chip and PIN, Contactless, chip and signature, and swipe and signature.

If you’re having trouble connecting or pairing your card reader, here are a few things you can try:

  • Wake up your card reader

    Your card reader could be idle. Wake it up by pressing any number on the card reader keypad or the power button.

  • Charge the card reader

    If the card reader won’t turn on, connect the USB cable and recharge the battery.

  • Restart the card reader

    Turn off the card reader by holding down the power button then turn it on again.

  • Restart the PayPal Here app

    Close and restart the app and then try to reconnect it to the card reader.

  • Remove the card reader

    Remove the card reader from your mobile’s list of Bluetooth-paired devices and pair it with your mobile device again

Still having problems?


If you’re still having problems, we recommend you contact Customer Care on 020 8080 6500 or 0800 358 9448 for assistance. Our team will walk you through the steps necessary to reset your card reader.

Click here for the latest overview of receipt printers that are supported by PayPal Here.

There are 3 ways to see the battery level:

Steps 1You’ll see a battery icon on the card reader’s screen.
Steps 2Or from the app, tap the New Sale screen, and then tap the credit card icon to see the reader’s percentage of battery.
Steps 3You can also tap Card Readers to see the available battery charge.

If your customer's card is declined:

Step 1Check to see if it's an accepted card type (Visa®, MasterCard® and Maestro®).
Step 2If not, ask your customer to try another card.
Step 3Advise your customer to contact their card issuer.

If you wish to return the PayPal Here card reader for any reason, and you purchased it from us either online, through the PayPal Here app or directly from PayPal in person, you may return it within 30 days of receipt of delivery. Make sure it’s undamaged, in good working order and in the original packaging.

Contact Customer Service on freephone 0800 358 9448 or 020 8080 6500 for instructions on how to return the item. If you purchased a PayPal Here Card Reader from anyone other than us, please see the returns policy of that retailer.

Terms and conditions

One year.

We provide the PayPal Here card reader with a 12-month warranty period. If your card reader is faulty, we’ll replace it for you free of charge.

We do not replace lost card readers, but we will be able to disable the card reader remotely. You can then order a replacement online.

If your card reader is lost or broken, please call us on 0800 358 9448 or 020 8080 6500. *

Use of the PayPal Here card reader is subject to application approval. If you purchased a PayPal Here card reader from us either online, through the PayPal Here app or directly from PayPal in person and your application was declined, contact the Customer Care team freephone 0800 358 9448 or 020 8080 6500 for instructions on how to return the item. We will issue you with a full refund once you have returned the card reader. Make sure it’s undamaged, in good working order and in the original packaging.

PayPal Here is certified by Visa® and MasterCard® and complies with the highest security standards: PCI PTS S-RED 3.0, UKCC, EMV Level 1 and 2. End-to-end encryption and Chip and PIN technology is backed by our world-class risk and fraud management systems, so you and your customers can get on with doing business, knowing that all financial information is handled securely.

PayPal also delivers one of the most secure payment platforms in the world. Our dedicated team of security specialists monitor your transactions 24 hours a day, 7 days a week, identifying possible suspicious activity and helping protect you from fraudulent transactions.

If a transaction doesn’t go as planned, or you’re worried about anything at all, like fraud or phishing, it’s easy for you to report issues and get help. Contact Customer Care on 020 8080 6500 or 0800 358 9448. *


Terms and conditions

A chargeback happens when a buyer asks their credit card issuer to reverse a transaction that has already cleared. This can mean that a payment you’ve received in your PayPal account could be reversed, even if you’ve already posted the goods.

PayPal will help you as much as possible if you wish to dispute a chargeback, although the final decision lies with the credit card company.

Contact Us

You can call us on 020 8080 6500 or 0800 358 9448 or email us at paypalhere-apps@paypal.com.

Alternatively visit the PayPal Here community forum to share your experiences with other users.

Calls to the 020 number from a BT landline may be charged at the full national call rate. Calls to the 0800 number are free from a BT landline. Calls from other networks may vary and from mobiles will cost considerably more.

Get the PayPal Here card reader

Order card reader

Merchant Rate

You can apply for Merchant Rate pricing if you’ve processed more than £1,500 in total payments through PayPal in the previous calendar month and your account is in good standing (not currently under investigation). We will look at your total payments processed to determine your merchant rate on a monthly basis.

Merchant Rate fee table
Your monthly sales up to £1,500 £1,500.01 - £6,000.00 £6,000.01 - £15,000.00 £15,000.01 - £55,000.00 +£55,000
Transaction fee 3.4% + 20p 2.9% + 20p 2.4% + 20p 1.9% + 20p Call 0800 358 79292 for pricing
PayPal Here Card Reader1 2.75% 2.75% 2.4% + 20p 1.9% + 20p Call 0800 358 79292 for pricing

Maintaining your Merchant Rate
After qualifying for Merchant Rate pricing, you need to maintain a payment volume of more than £1,500 to remain eligible for Merchant Rates. In the event that a payment volume of more than £1,500 is not maintained in the previous calendar month, or if you have unresolved chargebacks, you will no longer be eligible for Merchant Rate pricing and Standard Rate pricing will apply. You don’t need to re-apply for Merchant Rate pricing if your payment volume drops below £1,500 in the previous calendar month. Merchant Rate will automatically apply again when you reach the qualifying payment volume.

Application
If you’re interested in the Merchant Rate, log in to your PayPal account and apply via the online application form. In the event that your request is refused, please note that you may only submit an application once every 30 days.