Zeller
$246/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
- $246/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
All prices in AUDLast verified 13 June 2026Every 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.
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 cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
SumUp
$242/mo est.
- In-person rate
- 1.4%
- Online rate
- 2.1%
- Monthly fee
- Free
- Terminal cost
- From $24
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $242/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
Zeller head-to-head comparisons
Common questions about Zeller
The same questions Australian merchants ask before signing up.
Zeller charges 1.4% per in-person card transaction. This applies to Visa, Mastercard, eftpos, and American Express at the same flat rate, with no separate AMEX surcharge.
Online transactions through Zeller cost 1.7% + $0.25 per payment, which is slightly higher than the in-person rate.
No. Zeller carries no monthly fee (Free), no setup fee, and no lock-in contract. You purchase the terminal outright and only pay per transaction.
Yes. Zeller supports least-cost routing, which routes eligible contactless debit card transactions through the eftpos network when it is cheaper than Visa or Mastercard. This is automatically available on Zeller terminals.
The Zeller Terminal is priced from From $99. It is purchased outright with no ongoing rental fee.
Yes. Zeller includes a free transaction account and a Zeller Debit Mastercard with every merchant account. Settlement can go directly to this account, which means same-day access to funds within the Zeller ecosystem without waiting for a bank transfer.
Zeller is best suited to hospitality and retail businesses in Australia that want a single provider for EFTPOS, business banking, and invoicing with low flat-rate fees and no monthly costs. Its free included transaction account and low in-person rate make it one of the most cost-effective flat-rate options for businesses with primarily in-person sales.
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