Zeller vs. SumUp

How Zeller stacks up against SumUp.

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Complete money management

Accept payments, manage money, track spending and earn interest – all within one powerful business ecosystem.

Faster settlements

With Zeller's nightly, 7 day settlements, you’ll receive your funds up to 4 days faster than with SumUp.

For businesses big and small

Unlike SumUp, Zeller supports third-party POS systems – over 600 of them. Zeller can take you from your first sale to wherever you scale.

Whether you're starting a business, scaling up, or simply reviewing your options, you might be comparing Zeller with SumUp.

Both offer affordable, plug-and-play POS and payment solutions for small Australian businesses. But while they share some similarities, Zeller and SumUp differ in key areas like hardware, settlement speed, and customer support. Here’s a detailed comparison to help you decide which one suits your needs best.

In-person payments

Both Zeller and SumUp provide affordable EFTPOS solutions, but Zeller offers more powerful, standalone hardware with greater flexibility and built-in features. While SumUp’s entry-level Air reader requires a paired smartphone to function, Zeller’s terminals are all-in-one devices with built-in POS software, optional SIM connectivity, and advanced functions like split payments, digital receipts, tipping, surcharging, and Pay at Table.

Zeller’s three in-person payment options include Zeller Terminal 1 ($99), Zeller Terminal 2 ($199), and Tap to Pay on Zeller App (free) – all with a flat 1.4% transaction fee and no ongoing costs. 

In comparison, SumUp offers the Air reader ($49), which must be used with a smartphone, and the standalone SumUp Go ($239), which has fewer built-in POS features. Importantly, Zeller also integrates with 600+ POS systems, giving your business far more flexibility as it grows. SumUp, on the other hand, is a closed ecosystem, with no third-party POS integrations available.

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Online payments

Zeller and SumUp both offer tools for accepting online payments, but their pricing structures differ. For domestic cards, Zeller charges 1.7% +25c per paid online invoices or payment link transaction, with no monthly fees. Zeller also offers a virtual terminal for keyed card payments at almost the same rate (1.75% +25c). 

In contrast, SumUp charges a flat 2.1% for online payments via links or invoices, and doesn’t currently offer a virtual terminal in Australia. Both platforms let you create and send unlimited invoices for free, but Zeller's lower transaction fees and added flexibility make it more cost-effective for frequent online payments.

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Business accounts

With SumUp, funds are settled into your existing bank account within 1-3 business days, as the platform doesn’t offer a built-in business account or debit card in Australia. 

Zeller is much faster, with nightly settlement into a Zeller Business Transaction Account, which is a smarter and more fully-featured alternative to a traditional business bank account. It comes with unlimited free debit cards, plus optional corporate cards to manage staff spending and track expenses in real time. You can also pay your bills (via BPAY or bank transfer) and grow your balance with a high-interest Zeller Savings Account, which allows you to withdraw your funds anytime, offering a flexible way to build your savings. 

If you prefer to use your existing bank, Zeller gives you that flexibility too, with guaranteed next-business day settlement to a third-party bank account. That’s a lot more reliable than SumUp’s comparatively vague 1-3 business day window.

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Other services

Zeller App

Zeller App goes far beyond basic payment processing – it's a complete business tool. Alongside facilitating in-person payments (via Tap to Pay) and online payments (through Zeller Invoices and payment links), it includes a full POS mode (Zeller POS Lite) and provides access to smart business transaction accounts with multi-card management. Just like with Zeller Dashboard, you can send and track invoices, reconcile expenses, move funds instantly, and access real-time reporting and analytics – all from one app. While SumUp’s app covers the essentials, Zeller’s broader feature set makes it better suited to businesses that want more. It replaces multiple tools with a single platform built for running, tracking and growing your business from anywhere.

Customer support

Zeller offers 24/7 customer support via phone, email and SMS, with a locally based team available to help at any time – including weekends and public holidays. This makes it well suited to businesses that operate outside regular hours or need fast, on-the-ground support. In contrast, SumUp’s support in Australia is available by phone and email during standard business hours only (Monday to Friday, 9am–6pm AEST). While both providers offer online help centres, Zeller’s round-the-clock support and direct local presence is a big advantage for businesses that value responsive, always-on assistance.

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Compare Zeller and SumUp.

Terminal
Cost

  • Zeller Terminal 1: $99 (one-off payment)

  • Zeller Terminal 2: $199 (one-off payment)

  • 1.4% card-present transaction fee for all cards (including American Express)

  • 1.7% MOTO transaction fee

• SumUp Air: $49 (one-off payment)
• SumUp Solo: $239 (one-off payment)
• 1.4% card-present transaction fee for all cards
• 2.1% MOTO transaction fee

Features

  • 600+ POS integrations (no additional fees)

  • MOTO (over the phone) payment acceptance

  • Same-day set up

  • Accept all card types

  • Record cash payments

  • Record 100% discounts (giveaways)

  • SIM Card, Wi-Fi and Ethernet connectivity

  • Built-in receipt printer (Zeller Terminal 1)

  • Automated surcharging (zero-cost EFTPOS)

  • Tipping prompts

  • Digital receipts (email, SMS, and QR code)

  • Split payments by item, guests, or value

  • Customisable screensaver

  • Light and dark screen modes

  • Pay at Table (select POS)

• No POS integrations
• Same-day set up
• Accepts all card types
• Wi-Fi and built-in 4G SIM (SumUp Solo only)
• Standalone or app-paired options
• Digital receipts
• Surcharging
• Tipping
• Simple product catalogue and sales tracking (Solo only)
• No receipt printer

Point of Sale

  • Free POS system with Zeller Terminal 2

  • Add up to 90,000 items

  • Assign categories, modifiers, and variants

  • Update details and prices in real time

  • Bulk item import functionality from existing POS

  • Customise home display with top-sellers

  • Create fixed or percentage discounts

• Free POS via SumUp app (Air) or built-in interface (Solo)
• Create product list with categories
• Basic inventory tracking
• View sales summaries and export reports
• Limited customisation
• No bulk item import functionality

Settlements

Nightly settlements

1–3 business days

Tap to Pay
Cost

1.4% card-present transaction fee for all cards

1.4% card-present transaction fee for all cards

Features

  • Available on iPhone & Android smartphones

  • Accept all card types

  • Record cash payments

  • Record 100% discounts (giveaways)

  • Free, built-in POS system to add items, track sales, and issue receipts

  • Add transaction notes  

  • Surcharging 

  • Tipping

  • Digital receipts

• Available on iPhone only
• Accept all card types
• Surcharging
• Tipping
• Digital receipts

Settlements

Nightly settlements, 7 days a week

1–3 business days

Invoices
Cost

  • 1.7% + 25c transaction fee

  • No monthly subscription

• 2.1% transaction fee
• No monthly subscription fee

Features

  • Customisable invoice templates

  • Real-time payment status updates

  • Add notes and important details

  • Customer management

  • Digital receipts

  • Automatic payment reminders

  • Scheduled invoices

  • Add custom fields

  • Xero integration for streamlined bookkeeping

  • Same day settlement to Zeller Transaction Account

• Payment links 
• Basic invoice template (logo, itemised list)
• Status tracking (paid/unpaid)
• Digital receipts
• Automated payment reminders
• No custom fields
• Xero integration (basic daily summaries only)
• Settles to linked external bank account

Settlements

Nightly settlements, 7 days a week

1–3 business days

Virtual Terminal
Cost

1.75% + 25c transaction fee

2.1% transaction fee

Features

  • Request secure payment with payment links

  • Request secure payment via email, SMS and social platforms like WhatsApp

  • Accept payments over the phone

  • Email receipts

  • Request secure payment with payment links

  • Request secure payment via email, SMS and social platforms like WhatsApp

  • Accept payments over the phone

  • Email receipts

Settlements

Nightly settlements, 7 days a week

1–3 business days

Business Accounts
Cost

  • Free unlimited business Transaction Accounts

  • Free unlimited physical and virtual business Debit Cards

  • No monthly fees

Not available

Features

  • Instant account creation

  • Attach invoices, receipts and notes to transactions

  • BPAY payments

  • Real-time transfers

  • Business Savings Account with competitive interest rate

  • Expense management and corporate cards

  • Xero Bank Feeds integration

Not available

Savings Accounts
Cost

Free

Not available

Features

• High interest rate
• Instant account creation
• Withdraw funds at any time
• Interest calculated daily, paid monthly

Not available

Other services
App

  • Zeller Dashboard

  • Zeller App (iOS & Android)

• SumUp Dashboard
• SumUp App (iOS & Android)

Support

• Local support via phone, email and SMS available 24 hours a day, 7 days a week
• Comprehensive, localised online resources

• No after hours support
• Non-localised online help centre

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Zeller is trusted by over 85,000 businesses.

Read more reviews

I’ve used a few different machines but nothing comes close to Zeller. It's up to date with modern technology, and data supplied to me through the machine. Definitely the best decision I have made!

Michael, SA

Zeller is a game changer. Online access to all transactions, but also the ability to chuck in a SIM card — no more hot-spotting!

Karl, VIC

We tried a small card reader from [a competitor] first, and had so many dramas. Zeller is perfect. It works like a dream!

Malcolm, QLD

Great terminals and great customer service compared with other comparative POS service providers.

Lois, NSW

Zeller works well and is very easy to use. I've used both Zeller and [a competitor], and Zeller is better — hands down.

Ashlee, VIC

Why businesses choose Zeller over SumUp.

Our POS or yours?

Choose from Zeller’s free built-in POS, or integrate with over 600 different third-party POS platforms.

Total cash flow management

Stay in control when you manage all of your business payments and finances with one local provider.

Australian owned. 24/7 support.

Our team is available 24/7 to answer any questions you have, via phone, SMS and email.

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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 SumUp

Founded in 2012, SumUp Payments is a British financial technology company headquartered in London. With over 18 offices across Europe and America, SumUp Payments is a global payments company that provides small businesses with tools to accept card payments in-store and online. 

Its products include SumUp Air, SumUp Pay, SumUp Card Reader and SumUp POS. In Australia, SumUp offers a fixed-rate pricing model with no monthly fees. Transactions are settled to a linked third-party bank account.

Compare Zeller’s and SumUp’s reviews*

Zeller’s Trustpilot score

4.4/5

SumUp’s Trustpilot score

4.0/5

*Competitive data on this page was collected as of 2 June 2025 and is based on information found on Trustpilot.com This information is subject to change or update without notice. Zeller does not make any representations as to the completeness or accuracy of the information on this page.

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  • 24/7 support via phone, email and SMS.

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