Zeller
$246/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Hardware 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.
Best for
Hospitality and retail businesses wanting a single Australian provider for banking + payments.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Contract
- No lock-in
Pricing breakdown
All prices in AUDPrices checked
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
- Hardware cost
- From $99
Zeller Terminal 1x and Zeller Terminal 2 both AU$99 incl GST (RRP $199, struck through), confirmed on myzeller.com/au/pricing and the shop product pages; the pricing FAQ states "starts at $99". Re-verified 2026-07-16 when the affiliate link was approved (was $199 on 2026-07-11).
- 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.
How Zeller compares
All prices in AUDPrices checked
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
$241.50/mo est.
- In-person rate
- 1.4%
- Online rate
- 2.1%
- Monthly fee
- Free
- Hardware cost
- From $49
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $241.50/mo
NAB
$231.25/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Hardware cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231.25/mo
Square
$267/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Hardware cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $267/mo
Zeller head-to-head comparisons
See how Zeller compares to others like Square on price, contract terms and features, side by side.
Common questions about Zeller for payment providers
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.
- Software/mo
- $0/mo (POS Lite)
- Processing
- 1.4%
- Hardware
- Terminal $99
- Contract
- Month-to-month (no lock-in)
Pricing breakdown
All prices in AUDPrices checked
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Hardware cost
- Terminal $99
Zeller Terminal 1x / Terminal 2 both AU$99 incl GST (RRP $199), confirmed on myzeller.com/au/shop. Re-verified 2026-07-16.
- 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)
How Zeller compares
All prices in AUDPrices checked
Side-by-side with the closest alternatives by estimated cost.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
Zeller
$280/mo est.
- Software/mo
- $0/mo (POS Lite)
- Processing rate
- 1.4%
- Hardware
- Terminal $99
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- 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
Tower Systems
$233/mo est.
- Software/mo
- $233-320/mo inc GST
- Processing rate
- Third-party
- Hardware
- BYO or quote
- Contract
- No lock-in (no minimum term)
- Industry
- Retail (specialty)
- Est. monthly cost
- $233/mo
Common questions about Zeller for pos systems
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 $99 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.
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
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
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.
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