A USB-C to 3.5mm adaptor won't work with PayPal or Square card readers. Those adaptors are designed to work with headphones. I had a PayPal reader a few years ago that used the 3.5mm port. It worked great with my Note 8 and my Tab S2. However, when I switched to the Note 10+ and Tab S5e, (both have no 3.5mm port), I couldn't use it as is. When I tried using it with the adaptor that came with my Tab S5e, it didn't work. I ended up getting PayPal's wireless reader. Both PayPal and Square make wireless card readers.
The basic PayPal Here wireless reader is $25.00 and the basic Square wireless reader is $49.00. Both have batteries and charge via USB. The only downside, at least for the PayPal reader, is that it charges via a microUSB connector, so you would need to keep an extra cable on hand just to charge it.