Zeller

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 1.75% + 25c per payment. That is a higher percentage than the in-person rate of 1.4%, with a fixed fee on top of every payment, so the smaller the sale, the bigger the share that goes to Zeller.

No. Zeller charges no monthly fee and no setup fee, and there is no lock-in contract. You purchase the terminal outright and only pay per transaction.

Yes. Zeller supports least-cost routing, which sends eligible contactless debit card transactions through the eftpos network when that is cheaper than Visa or Mastercard.

You buy the Zeller Terminal outright and there is no rental fee. Price: From $99.

Yes. Zeller includes a free transaction account and a Zeller Debit Mastercard with every merchant account, and your card takings can settle straight into it. Next business day is Zeller's standard settlement time.

Zeller fits a shop, cafe or venue that wants its card terminal and its business account from one provider and does not want a monthly fee. You pay 1.4% in person and 1.75% + 25c online, and a free transaction account is included. It does not fit a business that needs a hosted online checkout or a terminal that works offline, because Zeller has neither.

Zeller sells its own smart terminal, and the Zeller app adds Tap to Pay on a phone. The terminal is bought outright (From $99), with no setup fee and no monthly fee. Connection options: WiFi, 4G SIM (Optus network), optional Ethernet Dock accessory.

No, not as a hosted checkout page for a website. Zeller takes online payments through payment links, online invoices and a virtual terminal, all at 1.75% + 25c.

Yes. Tap to Pay in the Zeller app turns a compatible iPhone or Android phone into a contactless terminal, with no hardware to buy. The Zeller Terminal is the other option. Its connection options: WiFi, 4G SIM (Optus network), optional Ethernet Dock accessory.

Yes. Zeller supports recurring billing through Zeller Invoices, at the online rate of 1.75% + 25c.

Zeller charges 1.4% in person for Visa, Mastercard and eftpos, 1.4% for American Express, and 1.75% + 25c online. The international card surcharge is 0%, and Zeller supports least-cost routing.

Zeller processes card payments at a flat rate per transaction, with no monthly fee and no lock-in contract. Your takings settle into a Zeller transaction account. Next business day is the standard settlement time. Zeller does not charge a chargeback fee or a refund fee.

Yes. Zeller takes remote payments by payment link, online invoice or virtual terminal for phone orders, all at 1.75% + 25c.

No. Zeller Terminal has no offline mode and needs an active connection to process a payment. It does have more than one way to connect: WiFi, 4G SIM (Optus network), optional Ethernet Dock accessory. So if the WiFi drops, it can keep taking payments over the SIM.

Yes. Zeller Terminal accepts contactless cards, Apple Pay and Google Pay at 1.4%, and Tap to Pay in the Zeller app accepts the same on a phone.

Zeller's POS software costs $0/mo (POS Lite). There is no software subscription, so what you pay Zeller is the card rate on each sale.

Zeller charges 1.2% on in-person card transactions, and the POS software itself is $0/mo (POS Lite). Payments that are not taken in person are charged at a higher online rate, which is on the payments tab of this page.

Zeller POS runs on the Zeller Terminal, which you buy outright instead of renting: Terminal $99. It connects over Wi-Fi or a SIM.

Yes. Zeller integrates with both Xero and MYOB. How much detail comes across is worth asking your bookkeeper to look at, because takings that arrive as one daily lump are more work to reconcile than takings that arrive per sale.

Both, but the POS side is basic. Zeller has a payment terminal and a POS app with a product catalogue, items and simple reporting. Inventory is limited to basic items and there is no table management, so a business that needs either runs a dedicated POS and keeps Zeller for the payments.

Zeller's POS software is $0/mo (POS Lite) and suits counter service. It has no table management, so a venue with table service usually pairs the Zeller Terminal with a hospitality POS from Zeller's integration partners, with card payments still at 1.2%.