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Zettle or Vello payment terminal: Which one should I choose?

Zettle and Vello are both popular mobile payment terminals that provide small businesses with an easy and fast way to accept card payments.

Each payment terminal solution has its strengths and weaknesses, so it is important to choose the one that best fits your needs.


Comparison of Zettle and Vello Payment Terminals

  • Both are mobile payment terminals compatible with computers, smartphones, and tablets.
  • Both accept most debit and credit cards.
  • Both offer fast and secure transactions.
  • Both provide clear and user-friendly interfaces.

Zettle Payment Terminal

  • Zettle's transaction fee is 1.95% per transaction.
  • No monthly fees.
  • The terminal is paid (ranging from €19 to €199).
  • Quick settlements within 1-2 days.
  • Integrates well with various foreign accounting software like QuickBooks and Xero.
  • Includes features such as inventory management, sales tracking, and employee management.
  • Zettle has fewer features compared to Vello, such as recurring payments and invoicing.
  • No cash payments: Zettle does not support cash transactions.

Vello Payment Terminal

  • Vello's transaction fee is 0.9% + €0.25 per transaction.
  • No monthly fees.
  • The terminal is free (included in Premium and Pro packages).
  • Moderate settlement cycle, once a week.
  • The terminal integrates seamlessly with Vello.
  • Besides payment processing, Vello includes comprehensive appointment scheduling, customer management, group bookings, membership fee automation, and marketing automation.
  • Vello supports cash payments.
  • Limited support: Vello's customer support is available only in Finnish, English, French, and German. 





Transaction Fees


0.9% + €0.25

Terminal Cost

€19 - €199


Settlement Time

1-2 days

7 days

Cash Payments




Making a Choice

Summary: Zettle is a good option for small businesses looking for an affordable and easy-to-use payment terminal.

Vello is a better choice for businesses that need more features and accept cash payments.

  • Cost: If lower transaction fees and no monthly fees are important, Vello might be more attractive.

  • Mobility: For businesses requiring a highly mobile payment terminal, Zettle's robust mobile card readers may be advantageous.

  • Integrated Services: Vello's strong integration with scheduling and customer management makes it ideal for businesses needing these features.

  • Current Software: If your business already uses specific accounting or inventory management software, Zettle's integrations may offer greater convenience.

In conclusion, the choice between Zettle and Vello depends on your business's specific needs, cost considerations, and the importance of integrated services.