Im getting charges from Zettle on my bank statement? (2025)

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[Deleted User] Posts: 0

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12/04/23 - 19:14 in Advice #1

I have no idea what Zettle is - is it anything to do wit paypal? It list's it as Zettle then the town I work in - can anybody help?

  • kjhskj75 Posts: 3,382

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    12/04/23 - 19:18 edited 12/04/23 - 19:20 #2

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    1

  • [Deleted User] Posts: 0

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    12/04/23 - 19:24 #3

    kjhskj75 wrote: »

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    Ahhh ok - I make a lot of Paypal transactons. Why does it list my town of work ie "Zettle Bristol GB"?

  • JurassicMark Posts: 13,748

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    12/04/23 - 19:51 #4

    Trickster999 wrote: »

    kjhskj75 wrote: »

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    Ahhh ok - I make a lot of Paypal transactons. Why does it list my town of work ie "Zettle Bristol GB"?

    It's not a payment made using PayPal itself but a payment you've made to someone in Bristol who uses a Zettle point-of-sale system.

    https://paypal.com/merchantapps/appcenter/acceptpayments/zettle?locale.x=en_GB&country.x=GB

  • andydenyer Posts: 7,559

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    13/04/23 - 20:18 edited 13/04/23 - 20:23 #5

    They tend to be used a lot by coffee shops, cafes, street food vendors and market stall holders, and especially suitable for contactless transactions as typically they will be for lower values i.e. below the current £100 limit. Do the values correlate with any recent lunch or snack purchases on the go for example?

    In my experience, though, I normally find that the reference to Zettle is followed by the name of the outlet/vendor then the geographical location.

  • P+3 Posts: 13,603

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    14/04/23 - 15:23 #6

    Trickster999 wrote: »

    kjhskj75 wrote: »

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    Ahhh ok - I make a lot of Paypal transactons. Why does it list my town of work ie "Zettle Bristol GB"?

    Do you ( and for that matter anyone else ) not ask for a till receipt when you are out and about? That receipt should give you the trading name of the place you are at to check with your Bank statement ; and if you do do on line banking you can check even further on the Bank app to see who it is
    And per this link already given this machine can give receipts if you ask for one
    https://www.paypal.com/merchantapps/appcenter/acceptpayments/zettle?locale.x=en_GB&country.x=GB that way you can keep track of what you spent and where until you are satisfied with the entries on you Bank statement or app

    1

  • PhilH36 Posts: 27,013

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    16/04/23 - 18:03 edited 16/04/23 - 18:04 #7

    I’ve had a couple of Zettle transactions, they usually include a reference from which it’s relatively easy to work out who/what it was for. A similar one is Sum Up, which I’ve had quite a few times, often when I’m at a gig buying a drink before the start or during the acts, or buying in a cafe. Again if I’m given a Sum Up device to tap my card on I know my statement will say “Sum Up” and the business reference so again it’s easy to work out.

  • FlakeWhip Posts: 4,972

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    17/04/23 - 09:47 #8

    P+3 wrote: »

    Trickster999 wrote: »

    kjhskj75 wrote: »

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    Ahhh ok - I make a lot of Paypal transactons. Why does it list my town of work ie "Zettle Bristol GB"?

    Do you ( and for that matter anyone else ) not ask for a till receipt when you are out and about? That receipt should give you the trading name of the place you are at to check with your Bank statement ; and if you do do on line banking you can check even further on the Bank app to see who it is
    And per this link already given this machine can give receipts if you ask for one
    https://www.paypal.com/merchantapps/appcenter/acceptpayments/zettle?locale.x=en_GB&country.x=GB that way you can keep track of what you spent and where until you are satisfied with the entries on you Bank statement or app

    Speaking from experience of working in a small shop, I'd estimate less than 1% of customers ask for a till receipt, and almost all refuse the card receipt when offered. Those who do ask for receipts are usually buying something as a business expense.

    1

  • davidmcn Posts: 12,293

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    17/04/23 - 10:24 #9

    FlakeWhip wrote: »

    P+3 wrote: »

    Trickster999 wrote: »

    kjhskj75 wrote: »

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    Ahhh ok - I make a lot of Paypal transactons. Why does it list my town of work ie "Zettle Bristol GB"?

    Do you ( and for that matter anyone else ) not ask for a till receipt when you are out and about? That receipt should give you the trading name of the place you are at to check with your Bank statement ; and if you do do on line banking you can check even further on the Bank app to see who it is
    And per this link already given this machine can give receipts if you ask for one
    https://www.paypal.com/merchantapps/appcenter/acceptpayments/zettle?locale.x=en_GB&country.x=GB that way you can keep track of what you spent and where until you are satisfied with the entries on you Bank statement or app

    Speaking from experience of working in a small shop, I'd estimate less than 1% of customers ask for a till receipt, and almost all refuse the card receipt when offered. Those who do ask for receipts are usually buying something as a business expense.

    I've also encountered quite a few merchants who appear as something completely different from their trading name (or whatever is on their receipts) on their card transactions.

    3

  • N.Dean Posts: 1,847

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    17/04/23 - 11:27 #10

    And some traders' names include their location in their name. The back statement then shows the first part of their name ( e.g. the town ), but not the business.

  • Nigel Goodwin Posts: 59,515

    Forum Member

    17/04/23 - 12:34 #11

    FlakeWhip wrote: »

    P+3 wrote: »

    Trickster999 wrote: »

    kjhskj75 wrote: »

    It's a payment processor owned by Paypal. (https://www.zettle.com/gb)
    Do the transactions you are seeing relate to purchases you have made ?
    If not - talk to your bank.

    Ahhh ok - I make a lot of Paypal transactons. Why does it list my town of work ie "Zettle Bristol GB"?

    Do you ( and for that matter anyone else ) not ask for a till receipt when you are out and about? That receipt should give you the trading name of the place you are at to check with your Bank statement ; and if you do do on line banking you can check even further on the Bank app to see who it is
    And per this link already given this machine can give receipts if you ask for one
    https://www.paypal.com/merchantapps/appcenter/acceptpayments/zettle?locale.x=en_GB&country.x=GB that way you can keep track of what you spent and where until you are satisfied with the entries on you Bank statement or app

    Speaking from experience of working in a small shop, I'd estimate less than 1% of customers ask for a till receipt, and almost all refuse the card receipt when offered. Those who do ask for receipts are usually buying something as a business expense.

    Exactly - for most purchases it's just a waste of a piece of paper, and something else for you to throw away. Business use, entirely different - as you can claim the VAT back Im getting charges from Zettle on my bank statement? (12)

    It's been made 'worse' by the expanded demise of cash following Covid, previously if you paid by cash (in a cafe, chip shop etc.) it would be rare to be asked if you wanted a receipt, now because you pay by card they are obliged to ask if you want a copy of the transaction.

  • JurassicMark Posts: 13,748

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    17/04/23 - 12:48 #12

    It may not relate to the kind of small transaction the OP is probably referring to but I nearly always ask for a receipt when shopping in a supermarket, even if I only get about half a dozen items. I like to check that I haven't been overcharged for anything and that the discounts or multibuy offers have been correctly applied. It's not that uncommon for mistakes to be made.

    3

  • Nigel Goodwin Posts: 59,515

    Forum Member

    17/04/23 - 13:28 #13

    JurassicMark wrote: »

    It may not relate to the kind of small transaction the OP is probably referring to but I nearly always ask for a receipt when shopping in a supermarket, even if I only get about half a dozen items. I like to check that I haven't been overcharged for anything and that the discounts or multibuy offers have been correctly applied. It's not that uncommon for mistakes to be made.

    If you use self-scan with a hand held scanner then you can check that as you collect and pack the items - one word of warning, Tesco (presumably deliberately) place items in the 'meal deal' section that don't attract the discount, identical items, some with stickers on (with discount), some without (no discount). Presumably this is a deliberate attempt to make you pay full price?.

  • davidmcn Posts: 12,293

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    17/04/23 - 14:12 #14

    Nigel Goodwin wrote: »

    JurassicMark wrote: »

    It may not relate to the kind of small transaction the OP is probably referring to but I nearly always ask for a receipt when shopping in a supermarket, even if I only get about half a dozen items. I like to check that I haven't been overcharged for anything and that the discounts or multibuy offers have been correctly applied. It's not that uncommon for mistakes to be made.

    If you use self-scan with a hand held scanner then you can check that as you collect and pack the items - one word of warning, Tesco (presumably deliberately) place items in the 'meal deal' section that don't attract the discount, identical items, some with stickers on (with discount), some without (no discount). Presumably this is a deliberate attempt to make you pay full price?

    I think it's just incompetence rather than anything more cunning.

    5

  • alter_ego_cat Posts: 6,969

    Forum Member

    17/04/23 - 15:40 #15

    andydenyer wrote: »

    They tend to be used a lot by coffee shops, cafes, street food vendors and market stall holders, and especially suitable for contactless transactions as typically they will be for lower values i.e. below the current £100 limit. Do the values correlate with any recent lunch or snack purchases on the go for example?

    In my experience, though, I normally find that the reference to Zettle is followed by the name of the outlet/vendor then the geographical location.

    That doesn't always help! I had a Zettle payment show up last week (first time as far as I remember) followed by a merchant name I didn't recognise and a town I've never been to. I did eventually realise it was from a purchase at a food stall at a particular event.

  • andydenyer Posts: 7,559

    Forum Member

    17/04/23 - 17:10 #16

    alter_ego_cat wrote: »

    andydenyer wrote: »

    They tend to be used a lot by coffee shops, cafes, street food vendors and market stall holders, and especially suitable for contactless transactions as typically they will be for lower values i.e. below the current £100 limit. Do the values correlate with any recent lunch or snack purchases on the go for example?

    In my experience, though, I normally find that the reference to Zettle is followed by the name of the outlet/vendor then the geographical location.

    That doesn't always help! I had a Zettle payment show up last week (first time as far as I remember) followed by a merchant name I didn't recognise and a town I've never been to. I did eventually realise it was from a purchase at a food stall at a particular event.

    Which is probably their normal or registered location. That's why I'm one of the 1% that asks for a receipt so I can reconcile the amount against the transaction date if it's a merchant name or location I don't recognise.

  • andydenyer Posts: 7,559

    Forum Member

    17/04/23 - 17:11 #17

    JurassicMark wrote: »

    It may not relate to the kind of small transaction the OP is probably referring to but I nearly always ask for a receipt when shopping in a supermarket, even if I only get about half a dozen items. I like to check that I haven't been overcharged for anything and that the discounts or multibuy offers have been correctly applied. It's not that uncommon for mistakes to be made.

    Same here. I also find that such mistakes are fairly common!

    1

  • Jimmy Connors Posts: 120,097

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    18/04/23 - 03:55 #18

    andydenyer wrote: »

    JurassicMark wrote: »

    It may not relate to the kind of small transaction the OP is probably referring to but I nearly always ask for a receipt when shopping in a supermarket, even if I only get about half a dozen items. I like to check that I haven't been overcharged for anything and that the discounts or multibuy offers have been correctly applied. It's not that uncommon for mistakes to be made.

    Same here. I also find that such mistakes are fairly common!

    Definitely. More often than not mistakes are made at supermarkets. Morrisons being particularly bad for this. I always get a receipt and check it before leaving the shop.

  • PhilH36 Posts: 27,013

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    01/05/23 - 15:42 #19

    Having just missed the bus and facing a half hour wait for the next one I decided to get a drink and went to Costa. On my statement it just says “Chester Le Street”, no reference to Costa or any other company name. I don’t know if it’s usual for Costa to just use the location of the branch you visit with no company reference as I’ve never used my card with them before (yes I was in Chester Le Steeet btw).

  • JurassicMark Posts: 13,748

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    01/05/23 - 17:02 #20

    PhilH36 wrote: »

    Having just missed the bus and facing a half hour wait for the next one I decided to get a drink and went to Costa. On my statement it just says “Chester Le Street”, no reference to Costa or any other company name. I don’t know if it’s usual for Costa to just use the location of the branch you visit with no company reference as I’ve never used my card with them before (yes I was in Chester Le Steeet btw).

    I think that's basically down to either that branch of Costa or Costa's policy on the naming used on their electronic payment system. I don't visit Costa but have just checked my recent bank transactions and for purchases from high street retailers and all but one just says the name of the retailer. The other one also adds the location but the last letter of that is missing. I think that demonstrates the problem in that only a certain number of characters are allowed which is why most just enter the company name.

    Putting “Chester Le Street” is not particularly informative if you've made purchases at other retailers in that location on that date. If showing "Costa" would be better as most people just want to know if the transaction relates to something they've likely purchased. I suppose you could contact them about this if you're bothered.

  • dslrocks Posts: 7,217

    Forum Member

    01/05/23 - 18:55 #21

    JurassicMark wrote: »

    PhilH36 wrote: »

    Having just missed the bus and facing a half hour wait for the next one I decided to get a drink and went to Costa. On my statement it just says “Chester Le Street”, no reference to Costa or any other company name. I don’t know if it’s usual for Costa to just use the location of the branch you visit with no company reference as I’ve never used my card with them before (yes I was in Chester Le Steeet btw).

    I think that's basically down to either that branch of Costa or Costa's policy on the naming used on their electronic payment system. I don't visit Costa but have just checked my recent bank transactions and for purchases from high street retailers and all but one just says the name of the retailer. The other one also adds the location but the last letter of that is missing. I think that demonstrates the problem in that only a certain number of characters are allowed which is why most just enter the company name.

    Putting “Chester Le Street” is not particularly informative if you've made purchases at other retailers in that location on that date. If showing "Costa" would be better as most people just want to know if the transaction relates to something they've likely purchased. I suppose you could contact them about this if you're bothered.

    It will likely have been a misconfigured card merchant account, not all Costa shops are owned directly by them, some are franchised and they make their own arrangements as regards card handling. The company owned ones will always accept Amex but it seems to be left up to the discretion of the franchisee to accept Amex.

    Wait until it clears properly and acually leaves your account, sometimes the data I find corrects itself.

  • davidmcn Posts: 12,293

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    01/05/23 - 20:56 #22

    dslrocks wrote: »

    JurassicMark wrote: »

    PhilH36 wrote: »

    Having just missed the bus and facing a half hour wait for the next one I decided to get a drink and went to Costa. On my statement it just says “Chester Le Street”, no reference to Costa or any other company name. I don’t know if it’s usual for Costa to just use the location of the branch you visit with no company reference as I’ve never used my card with them before (yes I was in Chester Le Steeet btw).

    I think that's basically down to either that branch of Costa or Costa's policy on the naming used on their electronic payment system. I don't visit Costa but have just checked my recent bank transactions and for purchases from high street retailers and all but one just says the name of the retailer. The other one also adds the location but the last letter of that is missing. I think that demonstrates the problem in that only a certain number of characters are allowed which is why most just enter the company name.

    Putting “Chester Le Street” is not particularly informative if you've made purchases at other retailers in that location on that date. If showing "Costa" would be better as most people just want to know if the transaction relates to something they've likely purchased. I suppose you could contact them about this if you're bothered.

    It will likely have been a misconfigured card merchant account, not all Costa shops are owned directly by them, some are franchised and they make their own arrangements as regards card handling.

    Chester le Street is a franchised store.

    The company-owned ones are all clearly labelled as "Costa", judging from my own transactions.

    1

  • PhilH36 Posts: 27,013

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    01/05/23 - 22:25 #23

    JurassicMark wrote: »

    PhilH36 wrote: »

    Having just missed the bus and facing a half hour wait for the next one I decided to get a drink and went to Costa. On my statement it just says “Chester Le Street”, no reference to Costa or any other company name. I don’t know if it’s usual for Costa to just use the location of the branch you visit with no company reference as I’ve never used my card with them before (yes I was in Chester Le Steeet btw).

    I think that's basically down to either that branch of Costa or Costa's policy on the naming used on their electronic payment system. I don't visit Costa but have just checked my recent bank transactions and for purchases from high street retailers and all but one just says the name of the retailer. The other one also adds the location but the last letter of that is missing. I think that demonstrates the problem in that only a certain number of characters are allowed which is why most just enter the company name.

    Putting “Chester Le Street” is not particularly informative if you've made purchases at other retailers in that location on that date. If showing "Costa" would be better as most people just want to know if the transaction relates to something they've likely purchased. I suppose you could contact them about this if you're bothered.

    I’m not really bothered, it just struck me as odd. Most stores will show the company name, either with or without a location, i.e if I shop in Sainsburys my statement says Sainsburys supermarkets ltd with no individual store info. On the other hand when I’ve shopped in Tesco it says Tesco stores and a number, which I assume will be the branch number of the individual shop.

  • anthony david Posts: 15,009

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    03/05/23 - 11:03 #24

    PhilH36 wrote: »

    JurassicMark wrote: »

    PhilH36 wrote: »

    Having just missed the bus and facing a half hour wait for the next one I decided to get a drink and went to Costa. On my statement it just says “Chester Le Street”, no reference to Costa or any other company name. I don’t know if it’s usual for Costa to just use the location of the branch you visit with no company reference as I’ve never used my card with them before (yes I was in Chester Le Steeet btw).

    I think that's basically down to either that branch of Costa or Costa's policy on the naming used on their electronic payment system. I don't visit Costa but have just checked my recent bank transactions and for purchases from high street retailers and all but one just says the name of the retailer. The other one also adds the location but the last letter of that is missing. I think that demonstrates the problem in that only a certain number of characters are allowed which is why most just enter the company name.

    Putting “Chester Le Street” is not particularly informative if you've made purchases at other retailers in that location on that date. If showing "Costa" would be better as most people just want to know if the transaction relates to something they've likely purchased. I suppose you could contact them about this if you're bothered.

    I’m not really bothered, it just struck me as odd. Most stores will show the company name, either with or without a location, i.e if I shop in Sainsburys my statement says Sainsburys supermarkets ltd with no individual store info. On the other hand when I’ve shopped in Tesco it says Tesco stores and a number, which I assume will be the branch number of the individual shop.

    My credit card statement shows the store location for Sainsbury's and Tesco.

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Im getting charges from Zettle on my bank statement? (2025)

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