Bank statement charge
What is the ZETTLE charge on my bank statement?
Who charged you
A business that takes card payments with Zettle
ZETTLE means you paid a small business that takes cards with Zettle, PayPal's card reader and till app, now called PayPal Point of Sale. It is usually a card payment at a market stall, cafe, pub or food van, or to a tradesperson, with the business name after the Zettle part.
How it can show on a statement
ZETTLEZETTLE_*[BUSINESS NAME]IZETTLE [BUSINESS NAME]iZ *[BUSINESS NAME]
1 more way it shows
PP*[BUSINESS NAME]
Find out what it was
- 1
Read the letters after the Zettle part and compare them with stalls, cafes or traders you paid recently.
- 2
Open the payment in your banking app and check the merchant name, category and any location or map pin.
- 3
Search your email and texts for a Zettle or PayPal receipt; Zettle receipts show the business name and address.
- 4
Match the date and amount with events, markets or trips in your calendar or photos.
- 5
If the name looks like a person's name, think of anyone who worked at your home or whom you paid face to face.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to the business, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “ZETTLE”?
Zettle puts its own name in front of the seller's registered name, and banks shorten long lines, so you may see only ZETTLE_* and a few letters. Many sole traders register under their own name, not the name on the stall or van.
Older lines can read IZETTLE or iZ *, from Zettle's earlier name iZettle. In the US, where Zettle is part of PayPal's point of sale, the same payments show as PP* followed by the business name.
Why you might see this charge
- A market stall, craft fair or car boot sale that took cards on a Zettle reader.
- A cafe, pub or food van using the Zettle app.
- A hairdresser, cleaner or tradesperson who took a card payment in person.
- A payment link or invoice sent by a small business that uses Zettle.
- A seller registered under a personal or company name you do not know.
Is ZETTLE legit?
Yes. Zettle is a real payment service owned by PayPal. The charge is from the business that used the reader, not from PayPal itself, so the question is which business it was.
Texts or emails that use the Zettle or PayPal name to ask for card details through a link are a common lookalike. Check the payment in your own banking app and receipts, never through a link in a message.
Which PayPal charge is it?
An unknown PayPal charge on your card is one of these:
| On your statement | Who charged you | What it usually is |
|---|---|---|
| JPMC RE PAYPAL | PayPal | JPMC RE PAYPAL is PayPal, collecting money from your bank account under the Direct Debit you agreed to when you linked… |
| PAYPAL INST XFER | PayPal | PAYPAL INST XFER is PayPal taking money from your checking account by bank transfer. |
| ZETTLE this page | Zettle | ZETTLE means you paid a small business that takes cards with Zettle, PayPal's card reader and till app, now called… |
| PAYPAL * | PayPal | PAYPAL * means you paid a business through PayPal, or a business took your card payment through PayPal. |
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| TST* | Toast | TST* means you paid a restaurant, bar or cafe that uses Toast, a checkout and payment system built for restaurants. |
| SUMUP | SumUp | SUMUP means you paid a small business that takes cards with a SumUp card reader or payment link. |
| BLUESNAP | BlueSnap | BLUESNAP or BLS* on a statement means an online business took your payment through BlueSnap, a payment company that is… |
| ANE* | Anedot | ANE* means Anedot, a donation platform and payment processor that churches, nonprofits, schools and political… |
| VTSUP.COM | Verotel | VTSUP.COM is the statement name of Verotel, an Amsterdam payment company that bills for thousands of websites, many of… |
| AMEX EPAYMENT ACH PMT | American Express | AMEX EPAYMENT ACH PMT is a payment to an American Express card account, taken from a bank account. |
| TRANSAK | Transak | TRANSAK is Transak, a crypto payments company that sells crypto through the Buy button in wallet apps such as MetaMask… |
| SP * | Shopify | SP * means you bought from a store that runs on Shopify and takes payments through Shopify Payments, online or in… |
Questions about ZETTLE
Who is Zettle on my bank statement?
Zettle by PayPal, formerly iZettle and now renamed PayPal Point of Sale, makes card readers and a till app for small businesses. A Zettle line is a payment to one of those businesses, not to PayPal.
Why does a Zettle payment show a person's name?
Sole traders often register with Zettle under their own name, so a stall, cleaner or tradesperson can show up as a person. Think of who you paid face to face on that date.
What is IZETTLE or iZ * on my statement?
It is the older form of the same Zettle line, from when the service was called iZettle. The business name follows it, as on newer ZETTLE_* lines.
What if I did not agree to a Zettle payment?
File a complaint on Complain.biz. We write it with you and send it to the business, so you do not have to chase it yourself.
Based on
- How do I take payments with PayPal Zettle? (PayPal Help, US)
- Customising your receipts (Zettle Help Centre)
- See how Lone Loaf appears on your bank statement (Emma)
- What Is Zettle by PayPal on Bank Statement? (Your Bank Statement Converter)
- Zettle charges (StatementDecoder)