Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Zeller
All-in-one Australian financial services with low flat-rate EFTPOS pricing.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Contract
- No lock-in
Best for
Hospitality and retail businesses wanting a single Australian provider for banking + payments.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- 1.4%
Inclusive of GST.
- Monthly fee
- Free
- Terminal cost
- From $99
Zeller Terminal 1x. Higher tiers available.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- 1.7% + $0.25
Domestic cards.
- Monthly fee
- Free
- Setup fee
- Free
Other fees
- Chargeback fee
- Free
Zeller handles disputes at no extra cost.
- AMEX rate
- 1.4%
Flat 1.4% across all card brands, inclusive of GST.
- International card surcharge
- 0%
Flat rate regardless of card origin.
- Early termination fee
- None
No lock-in contracts.
- Instant payout fee
- Standard payouts
Same-day to Zeller transaction account; next business day to third-party.
- Refund fee
- Free
- PCI compliance fee
- Free
PCI compliance bundled.
Contract terms
- Contract length
- No lock-in
- Settlement time
- Next business day
- Least-cost routing
- Yes
- Recurring billing
- Yes
Via Zeller invoicing.
Last verified 14 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Zeller for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
Digital wallets
- Apple Pay
- Google Pay
Buy now, pay later
- Afterpay
- Zip
Strengths and trade-offs
Pros
- Lowest flat in-person rate of the major flat-rate providers
- No monthly fees
- Free transaction account included
- Australian-built
Cons
- Limited POS integration ecosystem versus Square
- Online payments slightly more expensive than in-person
About Zeller
Zeller is an Australian-built payments and business banking platform. Flat-rate transaction pricing across all card types, plus integrated transaction accounts and corporate cards.
Zeller was founded in 2020 and is headquartered in Melbourne, Australia.
How Zeller compares
Side-by-side with the closest alternatives by estimated monthly cost.
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about Zeller
The same questions Australian merchants ask before signing up.
Zeller charges in-person transactions at 1.4% and online transactions at 1.7% + $0.25 for Australian merchants. Compare these rates against other providers on our payment-providers comparison page.
Zeller does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
Zeller settles funds on a next business day schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Zeller accepts AMEX in Australia at 1.4%. Some providers price AMEX higher than Visa and Mastercard, so check the comparison before signing on.
Yes. Zeller offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
Zeller is best suited to hospitality and retail businesses wanting a single australian provider for banking + payments. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Zeller and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Zeller
Compare Zeller against every other Australian provider on price, contract terms, and features.