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Looking for help with PayPal Here Card Reader v.2 ?

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Card Reader
Taking Payments
Your Account
Your Funds
Fees
FAQs
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How to use PayPal Here videos

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Pairing the card reader via Bluetooth

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

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Taking Chip and PIN payments (iPhone)

Start accepting payments using the PayPal Here reader and your iPhone

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Taking Chip and PIN payments (Android phone)

How to take payments with your Android phone

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Taking Chip and PIN payments (iPad)

How to take accept payments with your iPad

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Taking Chip and PIN payments (Android tablet)

How to take payments with your Android tablet

Getting started

It's easy to get started with PayPal Here, all you'll need is the PayPal Here app, a mobile phone or tablet with 3G or WIFI connection (see below for device compatibility ) and the PayPal Here Chip and PIN 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.

Ordering your card reader

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.

Device compatibility

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.

Manufacturer

Model

Android Version

Samsung

Galaxy Ace

2.3.3

Samsung

Galaxy Ace

2.3.6

Samsung

Galaxy Ace VE

2.3.6

Samsung

Galaxy Ace Plus

2.3.6

Samsung

Galaxy Y

2.3.6

Samsung

Galaxy Ace Advance

2.3.6

Samsung

Galaxy Pocket

2.3.6

HTC

Wildfire S

4.0.3

Samsung

Galaxy Ace VE

2.3.6

Sony Ericsson

Xperia Arc

2.3.4

Sony Ericsson

Xperia Arc S

2.3.4

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.

Power button

To switch the card reader on, press the ON/Off (power) button located on the left-hand side of the reader, once. A solid green light indicates it’s on.

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 on stand-by mode, first minimise the app, then press the power button once. In stand-by 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 thekeypad. The card reader will be ready to use within a few seconds.

Card Reader lights

Green triangle = Ready to use/PIN correct

Blinking red triangle = low battery

PIN lights = these light up to indicate PIN entry

Fast blinking Bluetooth light = ready to pair

Slow blinking Bluetooth light = card reader is paired to mobile device

Charging your card reader

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.

Checking card reader battery life

There are 2 ways of checking the battery life of the card reader:

Step 1

When the reader is connected to the app, you can check its battery by going to the app, tapping the menu icon, then Card Readers. If the battery is 20% charged or less, you will get an alert that your power is low and that you should charge the reader as soon as possible.

Step 2

To test the battery level when the card reader is not connected to your mobile device, hold down the cancel button (the yellow arrow) for a few seconds. The PIN lights will indicate the battery level. The number of lights represents the remaining battery power. For example, if the battery is at 50%, 3 of the 6 PIN lights will be on.

If the card reader's triangular light is permanently red, the card reader has a low battery and should be charged as soon as possible.

Battery management

When you are not taking payments, save battery by placing the app on standy.

Here’s how:

Step 1

Minimise the PayPal Here app without logging out

Step 2

Press the power button once (you will see the Bluetooth light go off)

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 5 seconds.

Pairing the card reader with your mobile device

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

Step 1

Go 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. A green light will blink followed by a rapid flashing Bluetooth light. This process may take a few seconds.

Step 3

Select 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 4

From 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 SYNC button 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.

Watch iPhone demo

Taking payments

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

Please read the PayPal Here Agreement

Entering an order

To enter a new sale:

iPhone and Android

Step 1

Enter the total amount due, and an optional order description. Tap ADD to enter a new item. When the order is complete, insert the card reader, or tap Charge to see the other payment options.

Step 2

To 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 1

Enter the amount per item then tap Enter. When the order is complete, tap Charge.

Step 2

To 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

Creating a 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

Chip and PIN payments

Accept Chip and PIN payments anywhere with your PayPal Here card reader and app. Make sure you’ve paired your card reader with your mobile device and you’re ready to take payments.

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

Step 1

Make sure the card reader is connected.

Step 2

When you're happy with the total amount to be paid, firmly insert the customer's card into the bottom of the card reader.

Step 3

Your customer can add a tip if you have enabled this option.

Step 4

Your customer confirms the amount to pay on the mobile device screen and enters their PIN into the card reader.

Step 5

Once 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.

Watch iPhone demo

Watch iPad demo

Swipe payments

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 1

Make sure the card reader is connected.

Step 2

When you're happy with the total amount to be paid, 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. (You can also tap Charge to see other payment options.) iPad users: tap Charge first

Step 3

Your customer can add a tip if you have enabled this option in the app Settings.

Step 4

Ask your customer to confirm the amount by signing their name directly on the screen with their finger.

Step 5

Once 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 3.4% + 20p for card payments made by swiping the magnetic stripe

Using the barcode scanner (iPad only)

You can add or create new items by using the iPad’s camera to scan barcodes.

Step 1

From the Charge screen, tap the Barcode icon.

Step 2

Hold the barcode over the red line until it registers.

Step 3

You can then use the barcode to create a new item, or add it to an existing item

Recording cash or cheque payments

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 1

When you're happy with the total amount to be paid, tap Charge.

Step 2

Select Cash or Cheque as the payment method

Step 3

If it's a cash payment, enter the amount of cash received then select Next

Step 4

Once 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.

Issuing invoices

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 1

When you're happy with the total amount to be paid, tap Charge.

Step 2

Select Invoice as the payment method.

Step 3

Enter the customer's details.

Step 4

Select the invoice's due date.

Step 5

Tap Send to complete the invoice.

Step 6

Your 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.

Issuing receipts

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 1

Tap 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 2

Find the transaction you would like to reissue a receipt for and tap it.

steps 3

Tap 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

Issuing refunds

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

Here's how to issue a refund:

Step 1

[iPhone and Android users] Tap the menu icon in the top left then tap Sales Activity. Tap Sales History for a complete record of your transactions. [iPad users only] Tap the Settings icon then tap Sales History.

Step 2

Find and select the transaction you wish to refund.

Step 3

Tap Refund.

Step 4

Enter the refund amount, and tap Refund.

Step 5

If your customer paid with a debit or credit card but the card is not present, you can process the refund without inserting the card. If they do have the card, insert it and follow the steps in the app to complete a card refund. Note that refunds are always made to the original card used.

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

Setting discounts

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 2

Tap Discount.

Step 3

Enter the amount or the percentage that you would like to discount. When you're finished, tap Done.

Step 4

The 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.

Accepting Tips

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 2

To turn on tips, tap or slide your finger from OFF to ON.

Step 3

You can choose to receive tips by amount or percentage.

Step 4

Tap to edit any of the pre-set amounts.

Step 5

When 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.

Setting up taxes

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

Here's how:

Step 1

Tap the menu icon then Settings. iPad users tap the Settings icon.

Step 2

On the next screen, tap Tax and turn Tax ON if you wish to set tax rates and automatically calculate tax.

Step 3

To set a new tax rate, tap Add New Tax Rate in iOS or the + symbol in Android.

Step 4

Give 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 5

If 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.

Updating your Business Information

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.

Setting up multiple users

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

Here’s how:

Step 1

Step 2

Go to “Profile” then “Account Settings”.

Step 3

Under "Manage Users", click “Get started”.

Step 4

Set 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.

Reviewing your sales history

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

Here’s how:

Step 1

Tap the menu icon, then tap Sales Activity. iPad users tap Sales History.

Step 2

Tap Sales History.

Step 3

You'll see a list of your sales. The icons will tell you which sales are paid, unpaid, refunded or cancelled.

Step 4

Tap any transaction you want to view in full detail.

Step 5

When 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.

Build customer trust with PayPal branding

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.

Privacy and Security

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. Visit our Help Centre for more information.

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*.

* Sometimes your funds may not be available for immediate withdrawal. This could be due to your account profile, or the types of payments you accept

Transferring funds

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 1

Tap the menu icon, then tap Sales Activity. iPad users tap Sales History.

Step 2

Tap Transfer Funds.

Step 3

In the 'From' field, select the PayPal balance from which you want to transfer funds.

Step 4

In the 'To' field, enter the destination bank account.

Step 5

Enter the amount to be transferred and tap Transfer.

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

* Sometimes your funds may not be available for immediate withdrawal. This could be due to your account profile, or the types of payments you accept.

Funds availability

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% based on your total sales volume processed with PayPal.* Blended rate of 3.4% + 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.

These fees apply to domestic transactions. If the payer’s card or PayPal account is from outside the UK, our standard cross-border fees also apply. PayPal business account fees apply to all other payments received with PayPal Here. Use of the PayPal Here Card Reader is subject to application approval. Terms and conditions apply.

FAQs

Do I need a internet connection to use PayPal Here?

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

Will my customers need a PayPal account?

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.

Which cards can I accept?

You can accept debit and credit cards from:

Visa
MasterCard
Maestro
American Express

Is there an activation or deactivation fee?

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.

Can I use my card reader abroad?

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

Can I accept debit and credit cards from overseas visitors?

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

Which cardholder verification methods do we accept?

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

How will I know when the PIN is correct?

There are two ways to check if the PIN is correct:

The PayPal Here app shows a message that the entered PIN is correct or incorrect
The triangular PIN status light on the card reader will turn green if the PIN is correct and red if it is incorrect

Why isn’t my card reader working?

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, visit our Help Centre for additional support.

Can I print customer receipts using PayPal Here?

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

How will I know when the card reader’s battery is low?

If the card reader's triangular light is permanently red, the card reader has a low battery and should be charged as soon as possible.

What do I do if my customer's card is declined?

If your customer's card is declined:

Step 1

Check to see if it's an accepted card type (Visa®, MasterCard® and Maestro®).

Step 2

If not, ask your customer to try another card.

Step 3

Advise your customer to contact their card issuer.

What is your returns policy for the card reader?

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.

Visit our Help Centre 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.

How long is the card reader's warranty period?

One year.

What happens if my card reader is lost or broken?

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 visit our Help Centre for support.

My PayPal Here application got declined but I have bought a card reader, can I get a refund?

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, visit our Help Centre 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.

What are level of security does PayPal Here offer?

Can PayPal help me with chargebacks?

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.

More about chargebacks

Contact Us

Need help? Get in touch

Check out our Help Centre for more information or visit the PayPal Here community forum to connect with other users.

Get the PayPal Here card reader

Order card reader

Get paid in person with PayPal Here

Merchant Rate

You can apply for the below Merchant Rate 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 total monthly sales	Blended fee	Interchange Plus^*
Up to £1,500	2.75%	IC + 2.5%
£1500.01-£,6000	1.75%	IC + 1.5%
£6,000.01 - £15,000	1.5%	IC + 1.25%
£15,000.01-£25,000	1.0%	IC + 0.75%
£25,000+	Call 0800 358 7929	Call 0800 358 7929
^*Actual Interchange costs will vary depending on the type of card used and where it was issued. Interchange fees vary from 0.2% to 2.0%. Blended rate of 3.4% + 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. This table shows transaction fees for domestic payments in GBP. Additional charges apply for currency conversions and cross-border payments as well as refunds and chargebacks.

There are 2 fee structures available for this solution:

Blended fee structure

The blended fee structure can include two components – a set percentage for each transaction, plus a fixed fee for some transactions. You’ll pay the same rate regardless of the card type used, with PayPal absorbing any fluctuations in the actual cost of performing the transaction. For example, you might be charged 2.75% or 3.4% + 20p depending on the transaction type. You’ll receive the money in your PayPal account as soon as your customer makes the purchase, and that money is usually available immediately to withdraw to a bank account.

The Blended fee structure may be preferred if:

Immediate availability of funds on all your transactions is important
Predictable transaction costs are essential for planning
Quick and simple reconciliation of PayPal and card sales is preferred

Interchange Plus fee structure

The Interchange Plus fee structure can include three components – interchange fees (set by MasterCard and Visa), a set percentage for each transaction, plus a fixed fee for some transactions. Interchange Plus rates apply only to transactions in which your customer has paid you directly with a debit or credit card. Interchange fees may vary depending on the country of issuance, category and type of card used to make the payment. For example, you might be charged interchange + 2.5% or interchange + 3.15% + 20p depending on the transaction type

The Interchange Plus fee structure may be preferred if:

The vast majority of your sales are from consumer card types in the UK or from within the European Economic Area where interchange fees are capped.
Delay of one to two business days to the availability of your credit and debit card funds is acceptable.
Differing settlement times between card sales and PayPal sales doesn’t impact reconciliation.

Maintaining your Merchant Rate
After qualifying for Merchant Rate pricing you need to maintain a payment volume of more than £1,500 per month 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 fees will apply. You don’t need to reapply for Merchant Rate fees if your payment volume drops below £1,500 in the previous calendar month. Merchant Rates will automatically apply again when you reach the qualifying payment volume.

How to apply
If you’re interested in these merchant rates, please log in to your PayPal account and apply via the online application form. If you are declined, please note that you will only be able to reapply in 30 days' time.

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How can we help?

How to use PayPal Here videos

Pairing the card reader via Bluetooth

Taking Chip and PIN payments (iPhone)

Taking Chip and PIN payments (Android phone)

Taking Chip and PIN payments (iPad)

Taking Chip and PIN payments (Android tablet)

Getting started

About the card reader

Taking payments

Managing your account

Funds

Fees

FAQs

Wake up your card reader

Charge the card reader

Restart the card reader

Restart the PayPal Here app

Remove the card reader

Still having problems?

Contact Us

Manage Your Money

Resources

Payments

Risk & Operations

Businesses We Serve

Resources

How can we help?

Pairing the card reader via Bluetooth

Taking Chip and PIN payments (iPhone)

Taking Chip and PIN payments (Android phone)

Taking Chip and PIN payments (iPad)

Taking Chip and PIN payments (Android tablet)

Getting started

About the card reader

Taking payments

Managing your account

Funds

Fees

FAQs

Wake up your card reader

Charge the card reader

Restart the card reader

Restart the PayPal Here app

Remove the card reader

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