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Hello, @Gatorboy73, @Catballi and @davidrbull. Thanks for contributing your questions and answers here on the PayPal Community Forum! I want to add just one piece of info to what @Catballi and @davidrbull mentioned about PayPal Zettle and Virtual Terminal.
While the transaction fee for keyed in transactions is a bit more for Zettle compared to Virtual Terminal (3.49% + 0.09 USD versus 3.09% + fixed fee, see https://www.paypal.com/us/webapps/mpp/merchant-fees for more information on fees), there is a $30 per month charge to use Virtual Terminal (https://www.paypal.com/us/smarthelp/article/faq3326), but there is no monthly charge for PayPal Zettle (https://www.paypal.com/us/smarthelp/article/faq4506).
I hope this extra bit of information is helpful. Thanks for your questions and answers, and thanks for being a part of the PayPal Community!