JIM vs PayPal Zettle: Tap to Pay Fees (2026)
JIM charges 1.99% per Tap to Pay sale with no fixed fee. Zettle is now PayPal Point of Sale, and it charges 2.29% + 9¢ for each in-person card payment. On a $50 sale, you pay $1.00 with JIM and $1.24 with PayPal, based on each company's published pricing.
On a $2,000 month, JIM keeps $12.80 more in your pocket when you spend from the Jim Card. Need the money in a bank the same day? JIM still costs $2.02 less than PayPal's instant transfer.
This comparison is updated every year with each company's published fees. Last reviewed: November 2026.
Is PayPal Zettle the same as PayPal Point of Sale?
Yes. PayPal renamed Zettle to PayPal Point of Sale, and it says the product still works the same way, with no change to your account. So when you price Zettle today, you price the PayPal Point of Sale rate.
That rate has two parts: a percentage and a fixed 9¢ on every card-present sale. For a seller who only takes taps on a phone, the fixed part adds up fast. Eighty sales a month pay $7.20 in fixed fees with PayPal and $0 with JIM.
Source: PayPal's official pricing page, accessed November 2026.
How do JIM and PayPal Zettle fees compare in 2026?
Compare the in-person rate first, since that is where a phone-based seller makes most sales. JIM wins that line by 0.30 percentage points plus PayPal's 9¢ fixed fee on every tap.
| JIM | PayPal Point of Sale (ex-Zettle) | |
|---|---|---|
| Tap to Pay, per sale | 1.99% | 2.29% + 9¢ |
| Fixed fee per sale | $0 | 9¢ |
| Monthly fee | $0 | $0 |
| Hardware | None, your phone | None for Tap to Pay; card reader $29 for the first, $79 after |
Source: PayPal's official pricing page, accessed November 2026. JIM: jim.com/pricing and the JIM Help Center fee table.
What do JIM and PayPal cost on a $50 sale and a $2,000 month?
JIM costs less on every in-person sale, and the gap grows with small tickets, where PayPal's 9¢ fixed fee weighs more. Suppose a mobile seller makes 80 Tap to Pay sales of $25 in a month, $2,000 in total.
| Example | JIM | PayPal Point of Sale |
|---|---|---|
| One $10 tap | $0.20 | $0.32 |
| One $25 tap | $0.50 | $0.66 |
| One $50 tap | $1.00 | $1.24 |
| 80 taps of $25, money kept in the app | $40.00 | $52.80 |
| Same month, all money to a bank the same day | $79.99 (one Same Day ACH) | $82.01 (instant transfer, 1.5%) |
Spend from the Jim Card and you keep $12.80 more than with PayPal on that month. Need the money in the bank the same day? JIM costs $2.02 less than PayPal's instant transfer.
Example math: each sale's fee rounded to the cent, times 80 sales. JIM's ACH fee is 1.99% of the $1,960.00 left after sale fees, plus $0.99. PayPal's instant transfer fee is 1.5% of $1,947.20. Source: PayPal's official pricing page, accessed November 2026. Read how card processing fees work for the parts of each fee.
How fast can you spend your money with JIM?
Each JIM sale lands in your Jim balance in seconds, and the free virtual Jim Card spends it right away. You decide when, or if, the money goes to a bank.
Which business fits JIM, and which needs something else?
JIM fits solo sellers who take payments in person on a phone. You need to be 18 or older, sell in one of the 50 U.S. states, and run a sole proprietorship or an LLC with one owner. You do not need a bank account, a reader or a subscription (JIM's seller requirements).
JIM does not support corporations, tablets or typed-in card numbers, so a counter with staff and chip-insert hardware needs a broader point-of-sale setup. If you work alone with a phone, JIM covers contactless cards, Apple Pay, Google Pay and Samsung Pay at 1.99%, with money in seconds.
| Profile | Deciding criterion | JIM when... | Consider an alternative if... |
|---|---|---|---|
| Mobile seller, tickets under $100 | Fee per sale | You take taps and spend from the Jim Card | You need chip-insert or swipe hardware |
| Seller without a bank account | Where the money goes | You want to sell and spend without opening a bank account | You need to withdraw cash at an ATM |
| Business structure | Who can sign up | You are a sole proprietor or single-owner LLC | Your business is a corporation |
How do you switch from PayPal Zettle to JIM?
Run JIM next to your current setup for one week before you switch. You keep selling while you check the fees on your own sales.
Should you choose JIM or PayPal Zettle?
Choose JIM if you sell in person on a phone and spend most of your sales from a card: you saw $40.00 in fees against $52.80 on a $2,000 month. Look at a broader point-of-sale system only if you need chip-insert counter hardware or your business is a corporation.
JIM Tap to Pay charges 1.99% per sale with no monthly fee and no reader, and the money lands in seconds. Start with a $1 test sale and check the numbers on your own tickets. See every fee at jim.com/pricing, and read more on accepting cards without a card reader.
Sell and get paid in seconds with Jim
