
Lower fees
You and your customers pay less when you surcharge with Zeller.
Built-in POS
Streamline customer checkout with a free, built-in POS solution.
All-in-one money management
Spend, manage, and save your money with one Zeller Account.
Whether you’re launching a new venture, expanding your business, or just making sure you’re getting the best value: find out what sets Zeller and Smartpay apart.
Zeller and Smartpay both offer payment solutions, but when you sign up for Zeller you’re getting more than just an EFTPOS terminal: you’re getting an end-to-end money management system. Below we’ve compiled a comprehensive comparison between Zeller and Smartpay Zero Cost EFTPOS to help you make the right decision for your business.
Zeller is trusted by over 85,000 businesses.
Read more reviewsWhy businesses choose Zeller over Smartpay.
All-in-one payments and POS.
Choose from Zeller’s free built-in POS, or integrate with over 600 different platforms.
Track your business cash flow.
Stay in control when you manage all of your business finances with one local provider.
Smarter payment solutions.
With over 12 different tools to accept payments, Zeller keeps your business ahead of the game.
About Zeller
Zeller is an Australian financial services company, founded in 2021, that helps businesses of all sizes accept payments, manage finances, and pay recipients.
It is levelling the playing field for Australian businesses, giving them the tools they need to accelerate their cash flow, without the red tape, complex and costly fee structures, and delays that are characteristic of the traditional banks. Zeller’s integrated solution combines your business’s financial management into one simple platform — accessible online and via mobile app — so that you can clearly see every dollar incoming, outgoing, or earning interest.
Zeller gives merchants the insights they need to make informed business decisions, then supports them in their growth with innovative solutions that improve efficiency and customer experience.
About Smartpay
Founded in 1986, Smartpay is a provider of EFTPOS payment services for businesses across Australia and New Zealand. Its solutions cater to small and medium-sized enterprises in industries such as retail, hospitality, beauty, tourism, and charities, offering payment processing tailored to diverse business needs.
Discover other Zeller products.

In-person payments
Accept in-person payments securely and affordably with a Zeller EFTPOS Terminal, or using Tap to Pay with Zeller App.

Online payments
Get paid faster online without the manual work by sending invoices with Zeller Invoices, or using Zeller Virtual Terminal.

Accounts and cards
Manage your business finances with free Transaction and Savings Accounts, Debit Cards, Corporate Cards, and more.
Ready to get started?
Most businesses can be up and running on Zeller within minutes. Sign up free online to get started.
Fast and free to sign up.
No lock-in contracts or monthly rental fees.
Access to all Zeller products instantly.
24/7 support via phone, email and SMS.
Over $250K in card payments?
Zeller Sales can help you discover which products are right for your business.
Get the best card processing rate.
Staff training and implementation support.
Dedicated Account Management.
Dedicated 24/7 priority support team.