PayPal Here: Help protect yourself against credit card fraud.

Apr 10 2018 | PayPal editorial staff

Learn point-of-sale tips to help protect against credit card fraud.
Although PayPal works aggressively to help prevent fraud, it’s still important for you to know how to help protect your business.

Why fraud prevention is important.
  • If you received a fraudulent payment, you could be held financially responsible for the loss.
  • Nobody knows your business as well as you. You know your biggest customers and are familiar with their buying patterns. Because no payment processor will ever surpass your knowledge in these areas, your involvement in fraud prevention is essential.

Learn how to help protect your business.
Swipe the card. The best way to help protect yourself against fraud is to swipe the card through your PayPal Herecard reader instead of manually entering the card number. Swiping cards reduces your chances of fraud since the magnetic stripe includes built-in security features that are not available for manually entered transactions.
  • Phone payments: If you typically accept payments over the phone, Virtual Terminal may be a better choice for your business. It was specifically designed for businesses that take payments over the phone, fax, or mail order.
  • Keyed and scanned payments: When you manually enter card numbers, the transaction fee is slightly higher and payments that you receive may not be available right away. To help protect yourself against fraud, enter the customer’s zip code.
Verify the signature. Make sure the customer’s signature on the sales receipt matches the card signature and the name on the front of the card.
  • No signature: If the card isn’t signed, ask for a driver’s license or other photo ID to help verify the customer’s identity. Next, ask the customer to sign their card. The name on the ID should match the name on the card.
Ask for driver’s license or photo ID. If a customer is placing an unusually large order or you suspect that a card might be fraudulent, ask for the customer’s ID. The name on the photo ID should match the name on the card.
  • No driver’s license: Ask the customer for another form of ID. If you can’t afford a potential loss and the order seems suspicious, consider declining the sale.
  • Photo ID doesn’t match: If the name on the ID doesn’t match the name on the card, consider declining the sale. For your safety, stay calm and don’t tell the customer that you suspect fraud. Instead, just let the customer know you can’t accept the sale.
Post your return policy. Post your return policy in a visible place in your store so customers can read it before they pay for their orders. Also include your return policy on the sales receipt. If you’re using the PayPal Here app, you can include your return policy on your printed receipts. To set this up, just go to your app Settings and select “Printing.”
  • Invoice: If you don’t have a physical store, you can include your return policy on your invoice. The invoice should also include the date, description of the item or service, number of items purchased, amount, and customer’s signature.
Verify your credit card statement name. Make sure customers can recognize your business name on their debit or credit card statements. If customers don’t recognize a charge on their statement, they may think that the charge was fraudulent and open an unauthorized chargeback. Verify your credit card statement name.

The contents of this site are provided for informational purposes only. You should always obtain independent, professional accounting, financial, and legal advice before making any business decision.

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Frequently asked questions.

Using PayPal

With PayPal’s Virtual Terminal, you can take credit card orders by phone, fax, mail, or in person. Here’s how to enter your order after you receive it:
  1. Go to Tools.
  2. Click Get paid and then Virtual Terminal.
  3. Enter all required billing information. For Transaction Type, select one of the following:
    1. Sale: Choose for immediate payment.
    2. Auth: Choose to authorize a future payment. When you’re ready to complete the transaction, select the Transaction ID under Activity, then click Capture (or Void).
    3. Credit: Choose to issue a refund.
  4. Click Review to verify your order, then click Submit.
  5. You will receive a confirmation indicating the outcome of your transaction.
After you submit your order, you can print the receipt or a packing slip. Your payment will appear in your PayPal account shortly after you submit your order.

Using Payflow

With Payflow’s Virtual Terminal, you can take credit card orders by phone, fax, mail, or in person. Here’s how to enter your order after you receive it:
  1. Log in to PayPal Manager.
  2. Click Virtual Terminal.
  3. Click Single Transaction.
  4. For Transaction Type, select:
    1. Authorization: Choose to authorize a payment.
    2. Credit: Choose to issue a refund.
    3. Delayed Capture: Choose to capture an outstanding authorization.
    4. Sale: Choose for an immediate payment.
    5. Voice Authorization: Choose for a one-time sale where the merchant contacts the card-issuing bank for approval.*
    6. Void: Choose to void a transaction.
  5. Enter the credit card number.
  6. Under Transaction Mode, select Live (or Test).
  7. Click Submit.
  8. Select the Expiration Date.
  9. Enter Card Security Code, if desired.
  10. Enter the Amount.
  11. Complete any other information that is pertinent to the transaction.
  12. Click Submit.
After you submit your order, you can print the receipt.

For more information on voice authorizations, see:
  • How do I submit a voice authorization?
  • What is Result code 13?

PayPal Zettle builds commerce tools, such as mobile card readers and point-of-sale apps that enable small businesses to compete with the big players. We help our users to grow their businesses with simple and easy-to-use technology. 

There's no start-up costs, no lock-in contracts and no hidden fees. Instead, we offer a powerful set of tools that help you to start, run, and grow your business.

The PayPal Zettle card reader makes it possible for anyone to accept card payments - anytime, anywhere - while our intuitive point-of-sale app helps you to get paid, track your sales and manage stock levels.

If you want to take your business online, we have a range of integration partners that allow you to build your own web shop and start selling on social media.


The app is free to download and runs on smartphones and tablets running iOS 12 or Android 8 and higher, and our card reader works with bluetooth-enabled devices that run iOS 12 or Android 8. 

For PayPal Zettle to work, you need to be connected to a 3G, 4G, or WiFi network.

PayPal lets you quickly and securely send and receive money for goods, services and more.

With PayPal you can:

  • Shop online in more than 200 countries and regions.
  • Send money securely to friends and family around the world.
  • Checkout quickly at hundreds of your favorite online stores.
  • Accept credit cards on your website.
  • Make donations to your favorite charity.
  • Set up an online shop and receive payments.
  • Use your credit card and earn rewards.

At PayPal, your financial security is our highest priority. We use the latest anti-fraud technology to help make sure your transactions are safer and you’re 100% protected against unauthorized payments sent from your account.

You can see a quick overview of your business within the Reports section of the app and a more detailed view in your PayPal Zettle online account.

When you first enter the Reports section of the app, you’ll see a list of your last day’s sales amount and number of sales & returns. For an overview of your monthly business, click the By Month tab.

In your PayPal Zettle online account, see your business’ main KPIs (sales amount, sales, returns, fees, average sale, cash, redeemed gift cards) by clicking a specific day and then the View Sales Reports link.

Exporting data

  • Print the overview of your sales report on your receipt printer or a standard printer by enabling report printing in the printer settings. 
  • Get a pdf report with the full details that you can send to your accountant. 

Reports in your PayPal Zettle account

Sales and payments overview: This provides a quick summary of your sales and refunds for the selected time period, broken down by the different sales channels used.

In the Payments overview module, you can see a breakdown of the different payment methods that you accept when you sell with PayPal Zettle. You also see your total fees. 

If you want to explore your sales and payments further, click the View report link and you’ll be directed to the relevant section on the Sale details page. 

Sales by hour: The Day view of the Reports overview page is where you can see a Sales by hour graph, which shows the sales details for the selected day. The graph shows which hours were the best for sales so that you can take appropriate business decisions, such as increasing your staff for example. 

Top selling products: This table shows your 10 best-selling products for the selected day, week or month. It shows details such as name, variant, sold quantity, returns, and total. Click the View report link for a more detailed picture of how your products are performing.   

Export: To export detailed sales and product reports from the Reports overview page, click Export at the top and choose your preferred option. These are the same reports that are also accessible from the Sales details and Sales by product page.   

Sales details: This gives you a clearer insight into how your business is doing and allows you to dig deeper into your sales, payments and staff performance. With the date picker, you can get sales data for a specific date range and compare to last year's sales. 

Big numbers: This section gives you a quick overview of important business KPIs, as well as comparing to last year's numbers. 

  • ‘Total sales’ shows your sales including tax.
  • ‘Number of sales’ shows how many sales you have made.
  • ‘Number of returns’ shows how many returns you have made.
  • ‘Average sale amount’ shows the average sale amount per checkout.

Sales by month: This graph is displayed when you pick a date range that is longer than a month. The graph shows your sales on a month-to-month basis. 

Sales by day: This graph shows custom date ranges from 1 to 30 days. It gives insights into which days you sell best and how they compare to your progress last year. 

Payments and fees: Here’s an overview of the payments you’ve taken, refunds (if you’ve made any) and the fees connected to your payments. 

The first table gives an overview of the payments you’ve taken that have been made via PayPal Zettle and totals your collected payments excluding fees and refunds. The second table shows cash payments and refunds. 

‘Zettle collected payments’ consist of card payments made via card reader, payment links and PayPal invoices.

Gift cards: Get an overview of how many gift cards have been sold, returned and redeemed, and their amounts. When a gift card is sold, it is not counted as a sale and therefore it won’t show up in the total sales and sales channels section until it is redeemed. 

Sales by sales channels: This table gives you an overview of how much money you make and refund. It breaks down all the different channels you use when you sell with PayPal Zettle. 
Sales channels 

  • Point of sale – the sales from the card reader connected to your app.
  • Payment Links – sales you’ve made via payment links.
  • Sent invoices – the sales for which you’ve initiated an invoice.
  • SDK – sales made using our card reader through a partner.

Sales taxes: This section gives you an overview of your total sales excluding taxes and total collected taxes broken down per tax rate. 

Staff: Get an overview of how your staff members are performing by looking at how much they sell for and their number of sales. 

Sales by product: See which products perform best. This table shows product details such as name, variant, category, sold quantity, returns, discounts tax collected and total (inc. Tax). 
Sales by category: See which categories perform the best. This table shows the performance of the categories that you’ve set up for your products. To get a better view of the categories, either sort the columns in the table or filter by staff. You can also print out a report. 

General functionality in your PayPal Zettle account

Date picker 

The date picker exists on all reports in your PayPal Zettle account. Either open up the full date picker or click on the arrows next to the date to quickly jump between dates. 

Open up the date picker and choose a shortcut from today to last year or choose your own custom dates. As soon as you choose a date, the view will reload with that date range date. 

On the Reports overview page, you’ll find a simplified date picker. Use the buttons to the left to switch between a day, week or month. The date picker on the right displays the date(s) for the selected day, week or month; click on the arrows next to the date to jump between dates. 


Filter your data by staff and category in your PayPal Zettle account. To use the filter, simply click the dropdown menu and choose the staff or category you want to filter. 

Export data from your PayPal Zettle account

You can export your data in different formats or create a print-friendly view. 

To create an export, click the export button and choose between a PDF or Excel report. If you want to export all the data, choose Raw data Excel

When the report is generated, you’ll see a tooltip at the bottom, telling you that the export has been downloaded. If it doesn’t work, click on “click here” to restart the download. 


Why can’t I see tax on my payments? 
Payments aren’t taxable, therefore our reports don’t show tax on a payment level. Instead, when you make a sale, you can see how much of that sale is tax in the ‘Sales by sales channels’ section. 

Why are products with the same name duplicated in the product sales report? 
This is because product sales are aggregated in reports by several attributes: product ID, product name, product variant name, product category name, tax % and settings (i.e. switching from prices including taxes to prices excluding taxes). If you’ve changed any of those attributes for a product, it is reported as a new product in your report.  

Why aren't some product attributes visible in the product report? 
It may be because we’ve only recently started using that attribute in our reports, and therefore we don’t have any historical data. 

It could be because your product library isn’t synced on your device. If the attribute is added to your PayPal Zettle account, make sure that your product library is synced on the PayPal Zettle app.

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