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Comment by Svip | Hacker News Reader

I've encountered one merchant in Denmark using iZettle. He has since replaced it with the regular PoS. I can only imagine that is more expensive for him, but I wonder why he abandoned iZettle? Maybe it doesn't work that well? I am honestly wondering why I don't see more usage of iZettle. It could just be a Danish thing.

And yes, there is Swish/MobilePay, but that only really works if you're local. A tourist - even one from a neighbouring country - will not have access to that.

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At least here in Finland, I associate iZettle with artisans, coffee stands, small farmers and ad hoc store fronts. Cheap and cheerful. Not that I mind it as a customer, but could be an image thing.

Yep, same in Sweden. Super easy to setup and you get a complete POS system with built in cash register and emailing of receipts just having a tablet and the card reader.

Costs per transaction are higher but for really small scale the ease of use wins.

Same association in Denmark.

We have MobilePay in Finland, but I don't know if it interoperates with the Danish system. Denmark is part of the Single Euro Payments Area, so I would expect transfers to be possible.

There were iZettles in many Helsinki cafés a few years ago, but it seems to me that most of them have been replaced by normal PoS terminals.

Finnish MobilePay, despite being owned by the same bank, is not interoperable with Danish MobilePay. Its stupid that every Nordic country is its own mobile-payment island.

Like another poster said -- cost per transaction is higher. iZettle charges around a magnitude higher transaction fees compared to the regular PoS, so for a non-trivial amount of transactions it becomes more expensive regardless of the lack of monthly fees.

What? I encounter them pretty often in Copenhagen. Usually lower throughput places though, probably because the connectivity and the tablet app is a bit clunky but I would guess it is way easier to get started with this.

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