Zeller is a newer Australian payments and banking player that has grown fast on the back of simple flat rate pricing and a free business account bundled in. For venues that want clear costs without tiered complexity, it is an appealing option. Here is our honest read.
Zeller built its offer around clarity. Instead of tiered rates that change with volume and card type, it charges a single flat percentage on every transaction, so you always know what you are paying. On top of that it includes a free business transaction account and card, which turns the payment terminal into a small banking setup rather than just a card reader.
That combination is genuinely useful for an owner who wants their takings, their account and their card in one tidy place without juggling a separate bank. The trade off is that a single flat rate, while simple, may not be the absolute cheapest for a very high volume venue that could negotiate a tiered deal elsewhere. For most small and mid sized venues, the simplicity wins.
One simple percentage on every transaction, so there are no tiers or surprises and you always know your cost.
A no fee transaction account and card are included, turning your terminal into a tidy little banking setup.
Fast to get started with a clean interface and modern hardware, no lengthy merchant application.
Straightforward dashboards that show your takings and settlements without digging.
Zeller suits venues that prize simplicity and want their payments and banking tidied into one place. The flat rate makes budgeting easy and the free account is a real saving. For a very high volume venue chasing the lowest possible negotiated rate, a tiered provider might edge it on pure cost, but for most small and mid sized venues the clarity and the bundle are the better deal.
We rate suppliers independently. We do not earn a referral fee from Zeller. Here is the balanced picture, the good and the points to weigh up.
Zeller is one of the simplest offers on the market: one flat rate on in person card payments, no monthly software or rental fee, and a free business account and Mastercard included. You buy the terminal once and own it. The figures below are Zeller's published Australian rates and can change, so always confirm current pricing before you commit.
| Payment type | Rate | Notes |
|---|---|---|
| In person card present | 1.4% | One rate for all cards including American Express, tapped, dipped or swiped. Inclusive of GST. |
| Keyed in (MOTO) | 1.7% | Mail and telephone orders entered on the terminal. |
| Zeller Invoice | 1.7% + 25c | Domestic cards. International cards 2.9% plus 25c. |
| Virtual Terminal | 1.75% + 25c | Payments processed through the Zeller Dashboard. |
| Custom rate | negotiated | Businesses processing over $250,000 a year can request a lower rate. |
| Item | Cost | Notes |
|---|---|---|
| Zeller Terminal 1 | $99 | Includes receipt printer, built in POS Lite and a 6.7 inch display. Yours to keep, 12 month guarantee. |
| Zeller Terminal 2 | $199 | Lightweight, POS Lite built in, 6.5 inch display. |
| Tap to Pay | $0 hardware | Accept contactless on a compatible phone with the Zeller App. 1.4% applies. |
| Transaction Account and Debit Card | $0 | Free business account and Mastercard included, no monthly fee, next day settlement. |
| Monthly and exit fees | $0 | No monthly fees, rental fees, start up fees or exit fees. No lock in contract. |
Zeller is a strong fit for small and medium venues that want a low flat rate and no ongoing fees, and the free account and fast settlement are genuine advantages. The trade off is that a flat rate climbs with turnover, so a very high volume venue may do better on a tiered or interchange plan. From 1 October 2026 the surcharge ban means the 1.4% comes out of your margin rather than the customer, so factor that in. We can compare Zeller against the tiered providers on your actual volume, free.
Zeller is one option. Here is how it sits alongside the other payment providers we review, so you can weigh them side by side.
We can compare Zeller honestly against the other providers based on your real volume, so you land on the best value, not just the simplest. Free, no obligation, and we will be in touch within 48 hours.
