Whether you’re scaling up and looking to streamline your payroll and inventory, or need a bit of support managing your business cash flow and tax compliance, Xero and MYOB are two names that have probably crossed your desk. Within the accounting software  landscape, these are the two biggest players in Australia. Both offer an all-encompassing suite of accounting features that are equally as suitable to sole traders as they are to midsize companies. Navigating the features and functionality of each is no small task though, and ultimately comes down to what’s right for your business. To assist you in your decision, we’ve summarised the key points of comparison. What is accounting software? Accounting software is used for managing financial transactions and records within an organisation. It allows businesses to automate accounting tasks and helps them keep track of their financial information efficiently and accurately. By streamlining processes in invoicing and billing, managing accounts payable and receivable, and generating financial reports, the software can provide valuable insights into the financial health of the business. Accounting software also provides a centralised platform for managing financial data, saving time and increasing accuracy, which will not only be a huge advantage at tax time, but can also make it easier to apply for loans and financing should you ever need it. Key differences between Xero and MYOB Usability Anyone can use either Xero or MYOB. Both cater to small business owners, sole traders, and freelancers as much as they do seasoned bookkeepers and accountants. However, if you are just starting out, Xero’s user-friendly interface is generally regarded as an easier point of entry for people with limited to no accounting experience. If you are a skilled bookkeeper or accountant, you may prefer MYOB for its more advanced features with regard to payroll and inventory tracking. Both Xero and MYOB offer a 30-day trial, so the best way to get a feel for the user experience is to try them out for yourself. Cloud vs. desktop When MYOB launched in the early 1980s, it was a computer-based software designed for users to install and use locally. When Xero entered the scene in 2006, it had the advantage of building internet capability directly into the software and, as such, has always relied on cloud accounting (software that is accessible from an internet browser). To keep up with demand, MYOB has now transformed all its packages to cloud-based plans but still gives users the option to choose online or desktop versions for the MYOB AccountRight subscriptions. The beauty of having data stored in the cloud rather than on your desktop is that it allows you to access your account from wherever you have an internet connection. What’s more, it also offers enhanced security with access control, user authentication, data encryption, and network protection. Mobile apps Managing your admin and bookkeeping on the go is now also made possible with Xero and MYOB’s mobile applications. Xero offers an all-in-one mobile business app that lets you view insights, manage invoices and quotes, track your cash flow, reconcile bank transactions, and upload photos of physical receipts. MYOB on the other hand has three separate applications: MYOB Capture for uploading receipts, MYOB Invoice for creating and sending online invoices and quotes and MYOB Team for creating rosters, approving timesheets, and tracking worksite locations. So, while Xero’s all-in-one app wins on convenience, MYOB does offer additional functionality for business owners who need to manage rostering on the go. Third-party integrations From point-of-sale systems to payment gateways, rostering and payroll, there are thousands of third-party providers that help small businesses from every industry streamline their processes. By integrating your accounting platform to other business apps and software you use on a day-to-day basis, you’re able to streamline bookkeeping and simplify reconciliation. How Xero and MYOB integrate with these applications is a vital consideration when choosing one over the other. Whether you use Shopify for your e-commerce, Deputy for your staff scheduling or Zeller for your invoicing payment gateway, you’ll need to choose an accounting software that will integrate with the programs your business uses. Xero’s App Store is by far the largest, boasting over a thousand third-party integrations — including Zeller App . MYOB’s integration library is less robust, and currently only offers several hundred integrations. Bank feeds The available bank feeds will be an important factor in informing your decision to choose Xero or MYOB. Rather than reconciling transactions manually, bank feeds offer a much easier and quicker solution. This process allows data to flow directly into your accounting software where it can be coded and matched off with sales, invoices, purchases and payroll entries, saving you hours of data entry and reducing human error. Bank feeds are available for bank accounts, loan accounts and credit cards, but the list of available connections will differ between accounting software. MYOB currently offers a longer list of supported bank connections than Xero, but Xero is more up to date with next-generation financial service providers including Zeller . For a full list of compatible bank feeds for Australian-based businesses, see Xero’s list here and MYOB’s here . Note that if you are planning on setting up more than two bank connections, the MYOB Lite package will not support this (it is limited to two), however every other plan from both Xero and MYOB offer unlimited connections. Accounting features Most importantly, choosing between Xero and MYOB will come down to the features that each one offers and how best they suit your needs. For most small business purposes, both platforms offer everything you’ll need. For that reason, we won’t exhaustively cover the features of each, but we will mention what sets them apart. Inventory management MYOB has a comprehensive inventory system integrated into the software that lets you manage orders and suppliers and run stocktake. Which subscription you choose will depend on how many items and locations your business has. Xero, on the other hand, offers limited features suitable for small inventory needs, but its customisation capabilities with third-party apps ensure it stays competitive in this area.  Automation and AI Xero has advanced its AI capabilities with JAX (Just Ask Xero) – a financial superagent that automates routine accounting tasks and delivers business insights. JAX uses multiple AI agents to learn how a business operates, adapting to handle workflows like bank reconciliation, invoicing, data entry, and payment tracking. It also understands natural language, allowing users to ask questions and instantly access financial data or generate documents. MYOB, by contrast, offers more basic automation focused on improving efficiency and accuracy through workflow automation, predictive analytics, and smarter resource planning for complex businesses. Payroll Both MYOB and Xero allow you to process superannuation payments automatically, support Single Touch Payroll and offer advanced reporting. However, for large companies, MYOB has the advantage of supporting unlimited employees with its BusinessPro and AccountRight plans. The cost of Xero increases once your business grows to over 50 employees, and caps out at 200. Online and phone support Xero offers extensive online resources and benefits from a wide community of online users, so help is never far away, however they do not offer phone support. MYOB on the other hand do offer business-day phone support, which can be very helpful if you get stuck. Sign-up and implementation Integrating or replacing your existing processes is easy with Xero and MYOB’s cloud-based subscriptions, however, if you are planning on installing MYOB AccountRight to your local desktop, it is important to note that this is only available for Windows. Cost Both Xero and MYOB offer four tiers of monthly-based subscription pricing. The more you pay, the more functionality you get. When choosing a subscription, it is important to select one whose inclusions will not only serve your purposes today, but also as your business scales in the future. The cost differences between the two platforms are outlined in the table below. Xero vs. MYOB: which is right for your business? What accounting software you choose is ultimately going to depend on the needs of your business, and your personal preference. Before making your decision, you need to weigh up who will be using the software (you or your accountant), where you'll be using it (desktop or cloud), whether having a mobile app is going to be vital in your day-to-day accounting, and what integrations and bank connections you require. Of course, most important is, will it integrate with your Zeller Account .

We’ve rolled out a stack of new features this month to give your customers more ways to pay – and give you more control over transfers, refunds, and cards. From scheduled transfers to personalised cards and China UnionPay acceptance, here’s everything that’s just landed and ready for you to use in your Zeller Account . Read on to learn more. Cut out extra admin by scheduling one-time or recurring transfers from your Zeller Transaction Account. Need to transfer funds on a regular basis or schedule a bill to be paid at a future date? Save unnecessary admin time by scheduling transfers from your Zeller Transaction Accounts for things like: Paying suppliers, staff or rent Paying bills via BPAY Moving funds into your Zeller Savings Account to earn a great interest rate Automatically setting aside money for tax time Moving funds to another internal or external account  You can choose to send funds instantly or at a future date, and set the exact time down to the quarter-hour. Transfers can occur one-time, or be placed on a recurring schedule to repeat on a daily, weekly, or monthly basis, and you decide when they end – on a set date, after a number of transfers, or left to run indefinitely. If plans change, you can end a schedule early. You can start scheduling transfers now in the Zeller Dashboard or from your Zeller App . Visit our support articles to get started: How can I create scheduled or recurring transfers ? How do I view or manage my scheduled transfers ? Welcome even more customers with China UnionPay. We’ve expanded payment acceptance on Zeller Terminal, invoices, and payment links to include China UnionPay cards, making it easier for your business to serve Australia’s large and growing Chinese customer and tourist base. From international tourists to students studying at local universities, Chinese customers represent a significant and fast-growing segment for many Australian businesses. By accepting UnionPay – the trusted card network issued by virtually every major bank in China – we’re removing friction at the checkout and opening your doors to more sales opportunities. UnionPay payments are processed through Zeller just like any other card at Zeller’s simple flat rate of 1.4%. If you’re already using Zeller, there’s nothing more to do, you’re ready to accept China UnionPay payments today. Learn more about China UnionPay acceptance here . Issue refunds easily with your POS-integrated Zeller Terminal . Refunds aren’t always straightforward. Sometimes you need to refund an amount that isn’t tied to a previous transaction in your POS. This new update allows you to push an ‘unmatched’ refund from your Linkly or Oracle-integrated POS to your Zeller Terminal , which then processes the refund directly to your customer’s card.  When you instruct your POS system to trigger a refund, your Zeller Terminal will prompt your customer to tap, insert, or swipe their card to receive it. This gives you flexibility to: – Refund payments that were not originally processed on Zeller Terminal – Convert a cash transaction into a card refund – Issue courtesy refunds not tied to a transaction in your POS system – Return funds to a different card than the one used in the initial transaction The refund is processed straight back to the card presented, making things simpler for both you and your customers. Accept over-the-phone payments with your POS-integrated Zeller Terminal . We’ve made it easier for merchants using a point of sale system integrated via Linkly or Oracle Simphony to accept payments over the phone (also known as MOTO payments ) with Zeller Terminal. Instead of requiring your customer to physically present their card, you can now manually enter card details when a sale is pushed from your POS to your Zeller Terminal. For merchants using a POS integrated via Linkly Start a sale in your POS system. When the payment pushes to your Zeller Terminal and the standard Tap, insert or swipe card screen appears, tap the terminal screen to reveal the Enter Card Details button. Manually key in the card details, and confirm the amount. The sale will automatically be closed and reconciled in your Linkly-integrated POS system.  For merchants using Oracle Simphony POS Start a MOTO sale in your Oracle Simphony POS system. On your Zeller Terminal, manually enter the card details and confirm the amount The transaction result is automatically sent back to your POS – no extra reconciliation needed. Note: Before processing an integrated MOTO payment, make sure your Zeller Terminal is paired with your POS via Linkly or integrated with Oracle Simphony, and that MOTO payments are enabled . Showcase your brand with personalised debit and corporate cards. No matter how big or small your business is, strong branding is key to making you look professional and established. We know a lot of effort goes into creating a strong brand identity, which is why we’ve made it easy to personalise Zeller Debit Cards and Zeller Corporate Cards with your business logo and custom labels. Adding your logo to your cards shows suppliers you take your finances seriously, while also helping to reinforce your brand and avoid mixing business and personal expenses.  Plus, for businesses with multiple venues or employees, personalised cards make expense management easier. When creating a new card, you’ll be able to upload a logo and add a label to help make clear which team, department, or purpose the card is for. Both physical and virtual cards can be customised from your dashboard in just a few minutes. Virtual cards are available to use instantly, while physical cards are delivered in under a week. Keep the feedback coming. We’re always adding features to make it simpler and smoother to run your business. Keep an eye on your Zeller Dashboard and the Zeller Business Blog for the latest updates. We’d love to hear your ideas for what we should build next! Send them to feedback@myzeller.com and we’ll use them to shape our roadmap.

Ocean Grove’s Ian Pattison Jewellers has been a fixture on the Bellarine Peninsula for nearly five decades. This family-owned fine jewellery store, founded by master jeweller Ian Pattison, built its reputation through quality craftsmanship and personalised service. In the on-site workshop, experienced jewellers (including a certified gemmologist and diamond specialist) handcraft custom pieces with precision.  The result is a unique collection of bespoke designs and one-off pieces sourced from around the world, ensuring diversity and the highest quality. Over the years, this close-knit team has fostered strong relationships with loyal local customers and visitors from afar, becoming a trusted part of the Ocean Grove community. In an industry where purchases often mark special moments, the team knows that trust and impeccable service are as precious as the gemstones they sell. Cutting away hefty fees and clunky hardware. Even a longstanding business must evolve with the times. For Ian Pattison Jewellers, the tipping point came when mounting merchant fees and costly EFTPOS terminal rental fees started eating into the bottom line. “The main decision to join Zeller came from high merchant fees and terminal rental costs,” explains Adele Pattison, Manager at Ian Pattison Jewellers. Their previous payments provider (one of the big banks) charged steep per-transaction rates plus monthly hardware rental, a common scenario that was unsustainable for the family-run retailer.  Zeller offered a lower flat transaction rate and no monthly terminal fees, a welcome change from the old bank’s charges. By purchasing their own Zeller Terminal outright, the business eliminated recurring rental costs, immediately reducing their overheads. In short, cutting fees didn’t mean cutting corners, it meant freeing up resources to reinvest in the service and quality Ian Pattison Jewellers is known for. Flawless payments: streamlined, swift, and secure. Beyond the cost savings, Zeller proved to be a perfect fit for this fine-jewellery business’s aesthetic and values. The modern Zeller Terminal is minimalist and paperless, which means it complements the elegant showroom rather than cluttering it. “Zeller has a streamlined appearance that complements our store at the point-of-sale counter,” Adele explains. Equally important, Zeller aligns with the jeweller’s strict security and confidentiality standards. Handling high-value pieces and intimate customer purchases, the business prioritises discretion with every transaction. “We pride ourselves on confidentiality and security as a manufacturing jeweller,” Adele notes. With Zeller, every card payment is encrypted and securely processed, giving both staff and clients peace of mind. After all, buying an engagement ring or thoughtful gift should feel special, not marred by clunky card machines or privacy concerns. A paperless approach: the gold standard in modern payments. In day-to-day operations, switching to Zeller has simplified life behind the counter. The team opted for Zeller’s paperless terminal, removing the hassle of constantly restocking receipt rolls. “We opted for the paperless terminal, eliminating the admin of supplying receipt rolls,” Adele explains, noting that they can still print a hardcopy receipt via their POS system if a customer really needs it. In practice, very few do. “A majority of customers are very receptive to receiving receipts via text or email,” which was a service their previous bank’s system didn’t offer. Checkout options that are brilliantly convenient. Perhaps the biggest wins have been in customer convenience. Ocean Grove is a popular coastal town, drawing many tourists and seasonal visitors. These customers often prefer cashless, flexible payment options – and Zeller delivers. “Being located in a coastal town we have many visitors during seasonal periods. The convenience of customers making payments via phone or the secure link enables them to pay at their convenience and not just in store,” Adele notes.  For those physically in the shop, the checkout experience is just as seamless. Shoppers can tap-and-pay with their phones or watches (thanks to Zeller’s support for Apple Pay, Google Pay and other mobile wallets) without a hitch. There’s no need for messy paper receipts either – a digital receipt arrives in their inbox before they’ve even stepped out the door. It’s the ideal blend of old-school service with new-school tech: customers get personal attention, as well as the speed and convenience of cutting-edge payment tech. Real-time insights offer perfect clarity. Another benefit Ian Pattison Jewellers discovered after switching to Zeller is how it simplifies business management. Zeller’s online dashboard provides detailed, real-time visibility into every transaction, something the big-bank EFTPOS lacked. “The dashboard function is very comprehensive. Being able to view sale-by-sale transactions in real time enables us to track our business from any location,” Adele says. For a busy family business, this has been a game-changer. Whether she’s in the workshop, meeting a supplier, at home or on the road, Adele can instantly check the day’s takings and get sales insights on her phone or laptop with a tap. What's more, Zeller integrates seamlessly with Retail Edge POS — a jewellery-specific point-of-sale system designed for the industry’s unique needs. With tracking for repairs, special orders, and custom jobs, plus real-time sales insights and CRM tools, Retail Edge POS paired with Zeller, gives Ian Pattison Jewellers complete visibility over their sales, customers, and inventory. Sales entered in the POS automatically sync to the Zeller Terminal, eliminating manual entry – a must when handling high-value transactions. A perfect match for family-run, high-value retailers. By embracing Zeller, Ian Pattison Jewellers successfully bridged the gap between tradition and innovation. Adele wouldn’t hesitate to recommend the solution to peers. “We would highly recommend joining Zeller,” she says, noting that no other EFTPOS service they’ve seen offers the same blend of features and value. From the sleek terminals and secure transactions to the convenient digital receipts and insightful dashboard, Zeller has proven to be a great fit for high-value, service-oriented businesses like theirs. With the payments side of things running smoothly, this family business can focus on doing what it does best – crafting exquisite jewellery and creating memorable experiences for every customer, just as they have for the last 50 years.

The Chinese customer base in Australia is booming, and now Zeller is making it even easier for your business to welcome these shoppers by accepting China UnionPay. From international tourists on holiday to students studying at local universities, Chinese customers form a key segment for many Australian businesses. Zeller now accepts payments via China UnionPay at a simple flat fee of 1.4%, opening your doors to this important market like never before. Ask yourself, could you be missing out on sales by not accepting their preferred card, China UnionPay? Small businesses thrive when they cater to their customers' needs. By supporting China UnionPay, Zeller enables your business to welcome Chinese customers with a familiar, trusted way to pay, right at your countertop. In this article, we'll explain what China UnionPay is, why the Chinese tourism and student market is so important, and how accepting UnionPay can boost your sales and customer satisfaction. What is China UnionPay? China UnionPay, also known simply as UnionPay, is China's main bank card network. Founded in 2002, UnionPay has grown into one of the world's largest payment networks. Virtually every major bank in China issues UnionPay cards, which means most Chinese consumers carry one in their wallet. A UnionPay card works like any other bank card. Customers can tap, insert, or swipe it to pay, and the transaction is processed through the UnionPay network. UnionPay is accepted in over 180 countries and regions worldwide.  Importantly, UnionPay is the preferred payment method for many Chinese nationals when they travel. While some also use international cards or mobile wallets such as Alipay and WeChat Pay, UnionPay is a card they know and trust. By accepting UnionPay, you remove that friction and show these customers you've got them covered. Chinese tourists dominate visitor spending in Australia. According to the ATIC’s International Visitor Survey , in the year ending March 2025, over 860,000 Chinese visitors travelled to Australia (up 26% from last year), spending $9.2 billion (up 28%). Despite being the second-highest source of visitors to Australia (following New Zealand), China still maintained its position as the number one tourism spender in Australia, making up 26% of total tourism spend. For local businesses, the opportunity is clear. Whether you run a retail store, café, tour company or restaurant, Chinese holidaymakers are a key customer group. Group travel is common, and itineraries are often built around destinations that are familiar, convenient and easy to pay in. Lunar New Year brings valuable opportunities for businesses. Each year, international arrivals from China surge over the Lunar New Year period, during which China’s State Council offers an eight-day holiday period. Cities like Sydney now host some of the largest Lunar New Year celebrations in the Asia Pacific. Visitors from China, along with the 1.2 million Chinese-born citizens who call Australia home ( 2021 census ), join the festivities, marking a key trading period for the retail, tourism, and hospitality industries. By accepting China UnionPay in your business, you can incorporate this significant holiday into your yearly strategy. Chinese students drive significant spending. Australia is home to nearly 200,000 Chinese international students enrolled in educational institutions. These students contribute billions to the Australian economy through tuition, housing, and daily expenses. From shopping for groceries to eating at restaurants, buying clothes to travelling domestically and everything in between, these students are an ongoing customer base for businesses around the country, not just tourist hotspots. Both tourists and students often rely on funds from home, using UnionPay cards to access their money. If your business can easily accept their payments, you're far more likely to win their patronage. Accepting China UnionPay means more sales and happier customers. Choosing a payment provider that accepts China UnionPay (such as Zeller) can directly boost revenue. Chinese tourists and students actively seek businesses where their preferred payment methods are accepted. Seeing a China UnionPay acceptance logo tells them clearly, "You can pay easily here." Data from UnionPay shows that, on average, Chinese UnionPay cardholders spend significantly more per transaction than other card users because they feel more at ease and aren't worrying about foreign card fees. Beyond numbers, accepting UnionPay also provides a better customer experience. You're effectively saying, "We welcome you" to Chinese customers, subtly supporting customer satisfaction. Happy customers return and recommend your business to friends – especially important with Chinese customers who often share experiences within their communities and on social media. More payment options equal more potential sales. Every time you add a new way to pay, you remove another barrier between the customer's desire to buy and the actual sale. With UnionPay alongside Visa, Mastercard, American Express, EFTPOS and others, you're covering all bases. How to start accepting China UnionPay with Zeller. If you're already using Zeller Terminal, Zeller Invoices, Zeller Payment Link or Zeller Virtual Terminal, you don't need to do anything – UnionPay is automatically enabled. Note that support for China UnionPay will be added soon to Zeller Tap to Pay . Not using Zeller yet? Now is a great time to consider us. Sign up for a free Zeller Account in minutes, order a shiny new Zeller Terminal and start accepting China UnionPay straight away.

As a business owner, you don’t have time to be visiting bank branches and chasing paperwork. At Zeller, we understand that. It’s why we’ve built an entirely online sign-up process designed around speed, security, and simplicity. The majority of businesses can access their Zeller Account and begin accepting payments, sending invoices, and managing their finances the very same day. To help you breeze through the sign-up process, this article outlines what to expect and the documents you’ll need. It also explains the security measures we take to protect your data and account, and answers common questions to help you feel confident in choosing Zeller. How Zeller’s sign-up process works Signing up to Zeller is easy and can be done on a desktop computer via our sign-up page or directly on Zeller App . Here’s what to expect from the process: Register online – Open your Zeller Account with your email address, and phone number. We’ll send you a verification code via SMS, so make sure you’ve got your phone nearby.  Enter business details – If you have an ABN or ACN, you’ll enter it here. If you can’t remember what it is or don’t have it handy, you can quickly find it using the ABN Lookup tool.  Upload business documents (if applicable) – For some business types (associations, partnerships, trusts, and government agencies) we’re required by law to collect additional information to verify your business. If you are signing up for one of these business types, ensure you have all your relevant business documents handy, you may need to upload things such as trust deeds, partnership agreements, or business bank statements.  Also, if your business is registered with a federal or state regulator, (for example, the Australian Health Practitioner Regulation Agency) you will need to provide the name of the regulatory body as well as a reference number.  Enter personal details – We ask for your name, DOB, and current residential address. Verify your identity – In this step, you'll confirm your identity using your smartphone. You’ll take a photo of your physical ID (either passport or Australian driver licence) and then record a quick video selfie, which will be matched against your ID photo.  Your security is our priority. Read on to learn how we keep your data safe. How Zeller protects your account and your data At Zeller, your security comes first. It’s why we’ve built comprehensive biometric verification into our sign-up process, to ensure nobody but you can open an account and access your sensitive business information. Taking a photo of your physical ID and a video selfie is simply an extra layer of protection to stop fraudsters and scammers from getting in the door. Then once you begin transacting with Zeller, our team of anti-fraud experts and 24/7 monitoring will ensure your account stays secure. You can transact with confidence knowing that our dedicated team works hand-in-hand with advanced tools to successfully identify and act on suspicious activity.  Zeller is certified for Level 1 of the PCI DSS (Payment Card Industry Data Security Standards) – the highest and most stringent level of compliance, ensuring your data is processed and stored within the most secure payment infrastructure, and industry-leading encryption and access controls. We also only request essential information required for risk and regulatory compliance purposes. Signing up for Zeller is quick and easy. With Zeller, getting started couldn’t be easier. In just a few minutes, you’ll have access to everything you need to take payments, manage your money, and grow your business – all in one place. Sign up today and see for yourself.

Discover how Zeller MOTO payments work for your business. MOTO transactions are a quick, convenient, and secure way to accept payment from customers remotely. Also known as ‘manually entered card payments’, these types of transactions are another way for merchants to grow their business. Unlike traditional card payments – where both the customer and their card are physically present – MOTO payments can occur anywhere. Businesses that accept MOTO payments aren’t reliant upon having a brick-and-mortar location for customers to visit, or even a website or online store. With Zeller, you can process MOTO payments in two ways – through Zeller Virtual Terminal on any computer, or via your Zeller Terminal . What is a MOTO payment? MOTO is short for Mail Order, Telephone Order. It refers to the act of processing a payment remotely – over the phone via a verbal request, or in writing via mail. Both of these scenarios are what’s known as card-not-present transactions, or CNP payments. Instead of a customer tapping, dipping, or swiping their card or another payment device to Zeller Terminal, the merchant will enter the card details and process the transaction manually. Typically, when a merchant processes a MOTO transaction, neither the card nor the cardholder is physically present – making it difficult to verify the purchaser’s identity. This lack of visibility increases the risk for fraudulent transactions to occur. For this reason, additional security practices are required to process MOTO payments. Which businesses benefit most from MOTO payments? MOTO payments are particularly useful for: Professional services such as consultants, accountants, and lawyers Home services such as electricians, plumbers, and cleaners Restaurants and cafés taking phone orders for takeaway or catering B2B businesses that take orders over the phone If you take orders remotely, whether frequently or sporadically, MOTO gives you the flexibility to keep your cashflow moving. How to accept MOTO payment with Zeller. To process a MOTO payment with Zeller Virtual Terminal: Log in to Zeller Dashboard and select Virtual Terminal . Choose the site you want to take the payment for (or create a new one). Enter the transaction amount and any notes you’d like to keep. Select Manually Enter Card as the payment method. Enter the customer’s card number, expiry date, and CVC. Review the details, then click Charge . The payment will be processed instantly, and you’ll see confirmation once it’s approved. Funds settle to your nominated account as usual. To process a MOTO payment with Zeller Terminal: On your device, tap the Mode button and then tap MOTO . You’ll notice that the payments screen turns blue to indicate that you’re now processing a MOTO payment. Enter the transaction amount. Tap Manual Charge. Verify the cardholder’s identity. Enter the card number, expiry date, and CVC then tap Next . Check the amount and card details are both correct. Tap Charge . You also have the option to default to MOTO payment. This is especially handy for merchants operating without a brick-and-mortar shopfront, or those processing a higher volume of MOTO payments. Simply update your Sites settings in Zeller Dashboard by toggling Default to MOTO on. To reflect the increased risk of fraud with MOTO payments, you can require that a site PIN be entered before a MOTO payment can be processed by toggling Require site PIN on. Are MOTO payments safe? MOTO transactions carry more risk than face-to-face or online payments, because the cardholder isn’t physically present. However, with the right tools and processes, they can be processed securely. How Zeller protects your MOTO transactions Zeller provides multiple layers of protection to reduce the risk of fraud and chargebacks: Mandatory CVV input – requires the three-digit code on the back of the card Address Verification Service (AVS) – checks that the billing address matches the cardholder’s bank records 3D Secure authentication – adds an extra layer of verification for suspicious transactions Tokenisation – replaces card details with encrypted tokens to protect sensitive information These safeguards help keep both your business and your customers secure. Best practices for secure MOTO payments To protect your business when processing MOTO transactions: – Confirm the customer’s details and order verbally – Never write down or store card details manually – Only use PCI-compliant systems like Zeller Virtual Terminal – Be cautious of unusually large, urgent, or overseas orders – Watch out for red flags such as repeated declined payments, requests for third-party payments, or unusual quantities of products – Make sure billing and shipping addresses match where relevant – For higher-value or unusual transactions, consider extra safeguards such as a signed service agreement, clear refund policy, or asking for a copy of the customer’s government-issued identity documents (e.g. passport and/or driver's licence) – Always provide an emailed receipt as proof of purchase Visit our Support Centre for more information on the risks of accepting MOTO payments, and tips to help keep your business safe when processing manually entered card payments. How much do MOTO transactions cost? To cover the cost of measures put in place to protect against fraudulent transactions, Zeller's fee to process a manually entered card transaction is 1.7% – slightly higher than the flat fee of 1.4% applied to in-person card payments. A more secure alternative: Zeller Payment Links Instead of taking card details over the phone, you can send a secure payment link via SMS, email or any other platform (e.g. WhatsApp, Messenger, Telegram, etc). Your customer clicks the link, enters their own details, and completes the payment in a PCI-compliant environment. This reduces your exposure to fraud, builds trust with customers, and gives your business a more professional edge.