Fiserv (First Data) - ICICI Merchant Services vs. PayPal Zettle

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Fiserv (First Data) - ICICI Merchant Services
Score 3.3 out of 10
N/A
Fiserv (formerly First Data) and ICICI Merchant Services combined a payment gateway and point-of-sale software and hardware solutions with features such as card & check acceptance, and merchant mobile commerce solutions, and ecommerce gateway. First Data merged with Fiserv in July 2019. Similar capabilities are now supplied by Fiserv Carat.N/A
PayPal Zettle
Score 7.8 out of 10
N/A
PayPal Zettle (formerly PayPal Here) is a POS and payment processing system that includes either a mobile card reader or a chip reader (hardware), and is powered by the mobile PayPal Here app. Admins can add up to 1,000 users per account, and the app also includes invoicing, reporting, and inventory management features. The pricing structure for payment processing is: 2.7% per US card swipe. 3.5% + $0.15 to key in cards. 2.9% + $0.30 to invoice. 1% for cross-border transfers.N/A
Pricing
Fiserv (First Data) - ICICI Merchant ServicesPayPal Zettle
Editions & Modules
No answers on this topic
No answers on this topic
Offerings
Pricing Offerings
Fiserv (First Data) - ICICI Merchant ServicesPayPal Zettle
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details
More Pricing Information
Community Pulse
Fiserv (First Data) - ICICI Merchant ServicesPayPal Zettle
Top Pros
Top Cons
Best Alternatives
Fiserv (First Data) - ICICI Merchant ServicesPayPal Zettle
Small Businesses
Apple Pay
Apple Pay
Score 9.1 out of 10
Square POS
Square POS
Score 9.5 out of 10
Medium-sized Companies
Apple Pay
Apple Pay
Score 9.1 out of 10
Epicor Eagle
Epicor Eagle
Score 8.2 out of 10
Enterprises
Adyen
Adyen
Score 8.8 out of 10

No answers on this topic

All AlternativesView all alternativesView all alternatives
User Ratings
Fiserv (First Data) - ICICI Merchant ServicesPayPal Zettle
Likelihood to Recommend
4.6
(7 ratings)
8.6
(18 ratings)
Likelihood to Renew
-
(0 ratings)
10.0
(1 ratings)
Usability
-
(0 ratings)
9.0
(1 ratings)
Availability
-
(0 ratings)
10.0
(1 ratings)
Performance
-
(0 ratings)
10.0
(1 ratings)
Support Rating
-
(0 ratings)
10.0
(5 ratings)
Implementation Rating
-
(0 ratings)
10.0
(1 ratings)
Ease of integration
-
(0 ratings)
10.0
(1 ratings)
Product Scalability
-
(0 ratings)
10.0
(1 ratings)
Vendor post-sale
-
(0 ratings)
10.0
(1 ratings)
Vendor pre-sale
-
(0 ratings)
10.0
(1 ratings)
User Testimonials
Fiserv (First Data) - ICICI Merchant ServicesPayPal Zettle
Likelihood to Recommend
Fiserv
The software which is web-based offers our employees access the portal for reporting, credit card processing remotely. This feature has been very useful during the current Covid environment.
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PayPal
I recommend PayPal Zettle quite a bit, actually. Its flexibility is easy enough to use for people who are not used to technology. Square has good traits, too, but since so many people already have PayPal accounts, it makes it much easier to use. It is perfect for everyday use of bot large and small transactions.
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Pros
Fiserv
  • Securely stores data on FirstData's servers so that I don't have to worry about the technical details there.
  • Integrates well with WordPress and WooCommerce and provides a seamless user experience.
  • Allows customers to pay while staying on site, rather than leaving and coming back like PayPal.
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PayPal
  • The PayPal Here hardware connection is very effective, my mobile device recognizes it immediately and the PayPal Here application to receive payments also recognizes it immediately. I don't have to wait a long time like some other POS.
  • Transactions are made instantly, you just have to pass the NFC chip inside the PayPal Here system, and in a second the transaction will be carried out and it will be shown in the history of the PayPal account registered in the POS.
  • It is very easy to provide a receipt to the customer when they use their card within our PayPal Here POS system, as it allows us to digitally send a ticket to the customer and also allows us to send the invoice by email.
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Cons
Fiserv
  • They're too big of a company, each division seems to know only about their own area to such a specific degree that if we make an inquiry about how another division integrates with whoever we're talking to, we're told to contact the other team.
  • Constantly finding out there is yet another team that we need to work with to troubleshoot an issue.
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PayPal
  • While swiped payments are easy, manual entry of payment information often fails. This is a major roadblock when you are in the service industry because not everyone who is making payment is on site.
  • In almost every instance of accepting a payment, we have to call in and reverify every piece of information about our business before we are successful.
  • Whatever system they use to determine how high risk your business is can limit your usage if they get it wrong.
  • Customer service is inconsistent at best. Sometimes issues are handled quickly and easily, other time you have to jump through hoops.
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Likelihood to Renew
Fiserv
No answers on this topic
PayPal
There are no monthly costs, the only expense is the card processing fee which is lower than nearly everyone else out there.
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Usability
Fiserv
No answers on this topic
PayPal
I absolutely LOVE this system. It is very fast and easy to use, and integrates with my eCommerce platform perfectly. The card processing fees are really low and the money is in my account quickly, even on weekends! I can either keep the funds in my PayPal account and access them with my PayPal business debit, or I can transfer them to my back (or a combination of these). The funds are always in my bank next business day. Also, it was one of the least expensive solutions out there as far as the hardware goes.
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Reliability and Availability
Fiserv
No answers on this topic
PayPal
Adding skus was down for 1hr one day, otherwise have never experienced an outage.
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Performance
Fiserv
No answers on this topic
PayPal
Everything is very fast. Adding products, selling products, processing cards, and receiving funds.
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Support Rating
Fiserv
No answers on this topic
PayPal
Support hasn't been needed in the 2 years of using PayPal but I have received calls from the company in the past asking about my experience with the device that was sent to me and they were pretty helpful with advice. Support is all over the internet if needed but for emergencies, so it is best to contact them during business hours.
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Implementation Rating
Fiserv
No answers on this topic
PayPal
It went very smoothly.
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Alternatives Considered
Fiserv
First Data is competive on its rate. Quality is acceptable, but not good compared to its competitors mentioned above.
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PayPal
The main selection criteria were ease of use and the presence of a plugin for WooCommerce. However, in practice it turned out that an important factor is also the availability of the product for purchase in a small batch and at an affordable price. I chose PayPal Zettle because I was able to easily and simply purchase it in my country.
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Scalability
Fiserv
No answers on this topic
PayPal
Have not run into any limitations as of yet, with 500 SKUs entered and counting.
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Return on Investment
Fiserv
  • Our ROI has been very positive
  • Our company has been able to process cash receipts remotely
  • Our processing charges have been lower
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PayPal
  • PayPal Here has allowed us to have a retail presence when we are away from our home location.
  • We have sold literally millions of dollars in merchandise at events over the last several years that we otherwise would not have been able to.
  • The only negative about PayPal Here is that we did not implement it sooner.
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ScreenShots