AI agents for PayPal Zettle
A Monmo AI agent works in PayPal Zettle the way a stallholder's back-office helper would. It totals takings by day, event and payment type, matches payouts to Xero or QuickBooks, prepares the product library before a market weekend, tracks stock for the items you count and prepares refunds. It uses your own Zettle login. Product changes and every refund wait for your approval.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in PayPal Zettle
Total takings by event
After a fair or a pop-up it totals the card, contactless and cash sales recorded in Zettle for those days, with best sellers and average sale, so you can see whether the pitch paid off.
AskTotal our Zettle sales for the Riverside Christmas market, 5 to 7 December, by day and by product.
Match payouts to your books
It matches each Zettle payout, after fees, to the bank or PayPal line in Xero or QuickBooks, and explains any payout that bundles several days or nets off a refund.
AskMatch November's Zettle payouts to Xero and explain any that don't equal the day's sales minus fees.
Set up products for an event
Before a market weekend it prepares the items you will sell there from your event sheet, with prices, variants and tax rates. You approve the changes before they reach the Zettle app.
AskSet up the product library for Saturday's food fair from the Fair menu sheet, and wait for my approval.
Track stock for counted items
For items you track in Zettle it compares stock with what sold, warns you when a best seller will run low before the next event, and drafts the reorder for your supplier.
AskTell me which tracked Zettle items will run out before next weekend's market, and draft the reorder.
Prepare refunds
It finds the sale by time, amount or receipt, checks your refund policy and prepares the refund for you to approve. The money moves only when you allow the card.
AskA customer from Saturday's fair wants a refund for a 24 pound candle. Find the sale and prepare the refund.
Prepare the quarter's VAT summary
At quarter end it totals sales by VAT rate from Zettle, adds online sales from Shopify if you sell there too, and prepares a summary your accountant can check against the return.
AskPrepare a VAT summary for Q3 from Zettle and Shopify, by tax rate, for our accountant.
Compare events before you book
Before you book next season's pitches it compares sales per event and per hour open, set against the pitch fees in your sheet, so you can see which markets earn their place.
AskCompare our Zettle sales for every market this year by sales per hour and after pitch fees.
How it connects
- 1You sign in with your own PayPal Zettle account once. The agent sees the products, sales, refunds and payouts that account holds, for the country your account is set up in.
- 2You choose which agents may use Zettle. A bookkeeping agent fits for payouts and VAT, an operations agent for products and stock. Agents with no reason to see your takings go without it.
- 3Reading sales, payouts and products needs no approval. Creating or editing products, prices, tax rates or stock, and every refund, ask first. Taking payment from a customer stays with you at the stall.
More in E-commerce and retail
Other apps of this kind that agents work in, each with its own page.
Questions people ask
Can an AI agent reconcile Zettle payouts with Xero?
Yes. A Monmo agent matches each Zettle payout, after fees, to the bank or PayPal line in Xero or QuickBooks, and explains payouts that combine several days or include a refund. It can prepare entries for card fees and daily sales, and it asks before posting anything to your books.
Can it update my Zettle product library?
Yes, with your approval. The agent prepares new items, prices, variants and tax rates from a sheet or a list you give it, and shows the changes on one card. Once you allow it, they are saved through the Zettle connection, or in its own browser when the connection does not cover something.
Can it give refunds through Zettle?
It prepares refunds and waits for you. The agent finds the sale, checks your refund policy and shows the amount and the reason on a card. The money moves only when you allow it, so a refund for last month's market never happens without you seeing it first.
Can it tell me which events made money?
It gives you the numbers to decide. The agent totals Zettle sales per event, sets them against the pitch fees and hours from your sheet, and ranks events by what they earned per hour. Which markets you book next season is your decision; it makes the comparison quick and keeps it up to date.