Zeller
$280/mo est.
- Software/mo
- $0/mo (POS Lite)
- Processing rate
- 1.4%
- Hardware
- Terminal $199
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- Est. monthly cost
- $280/mo
Zeller
All-in-one Australian financial services with low flat-rate EFTPOS pricing.
- Software/mo
- $0/mo (POS Lite)
- Processing
- 1.4%
- Hardware
- Terminal $199
- Contract
- Month-to-month (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.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- Month-to-month (no lock-in)
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.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
Tyro
$280/mo est.
- Software/mo
- $0-29/mo
- Processing rate
- 1.4%
- Hardware
- EFTPOS terminal (rental included)
- Contract
- Month-to-month (no lock-in)
- Industry
- Both (healthcare specialty)
- Est. monthly cost
- $280/mo
Square
$320/mo est.
- Software/mo
- $0/mo
- Processing rate
- 1.6%
- Hardware
- From $65
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- Est. monthly cost
- $320/mo
POSApt
$320/mo est.
- Software/mo
- $0-298/mo
- Processing rate
- 1.6% (free plan)
- Hardware
- From $770 (dual screen)
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- Est. monthly cost
- $320/mo
Common questions about Zeller
The same questions Australian merchants ask before signing up.
Zeller POS Lite is free to use ($0/mo (POS Lite)). There is no monthly software subscription; costs arise only from card transaction processing.
Zeller charges 1.4% on in-person card transactions, which is among the lowest published flat rates from an Australian provider. Online transactions attract a slightly higher rate.
The Zeller Terminal hardware costs Terminal $199 as a one-off purchase. It arrives preconfigured and connects via Wi-Fi or SIM.
Yes. Zeller bundles a free Zeller Transaction Account with every business account. Settled funds land in that account, and a Zeller Debit Mastercard is included, so you can spend settlement funds immediately without a separate bank transfer.
Zeller integrates directly with Xero and MYOB, pushing daily sales summaries and transaction data. The integration is built-in rather than relying on a third-party connector.
Zeller offers both a payment terminal and a basic POS app with product catalogues, items, and simple reporting. It suits lower-complexity businesses; operators needing advanced inventory or table management should consider a dedicated POS platform alongside Zeller payments.
Zeller terminals support offline mode for in-person card acceptance. Transactions are queued and submitted when connectivity returns.
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Compare Zeller
Compare Zeller against every other Australian provider on price, contract terms, and features.