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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.
Compare Zeller and Sumup
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, and Pay at Table.
Zeller’s three in-person payment options include Zeller Terminal 1x ($199), 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 ($249), 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.
Terminal
1.4%
1.4%
1.7%
2.1%
600+
SumUp POS only
SIM, Wi-Fi & Ethernet
Wi-Fi & built-in 4G SIM
Terminal 1x
With H&L, Impos, Tevalis
With SumUp POS only
Overnight
1–3 business days
Tap to Pay
1.4%
2.1%
iPhone and Android
iPhone only
Overnight
1–3 business days
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.
Invoices
1.7% + 25c
2.1%
None
None
Basic daily summaries only
Overnight
1–3 business days
Virtual Terminal
1.75% + 25c
2.1%
Overnight
1–3 business days
Point of sale
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, and Pay at Table.
Zeller’s three in-person payment options include Zeller Terminal 1x ($199), 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 ($249), 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.
Point of sale
In-depth, downloadable and viewable on Dashboard and App
Basic sales summaries and downloadable reports
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.
Transaction accounts
$0
Savings accounts
Anytime
Calculated daily, paid monthly
4.95% p.a.*
Other services
Zeller App
Alongside facilitating in-person payments (via Tap to Pay) and online payments (through Zeller Invoices and payment links), Zeller App includes Zeller POS Lite, and provides access to smart business transaction accounts with multi-card management. You can send and track invoices, reconcile expenses, move funds instantly, and access real-time reporting and analytics. While SumUp’s app covers the essentials, Zeller App is better suited to businesses that want more as it replaces multiple tools with a single platform.
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.
Zeller Dashboard + Zeller App
SumUp Dashboard + SumUp App
Phone, email and SMS, 24/7
Phone and email, Mon–Fri 9am–6pm AEST
Competitive data on this page was collected as of 21 August 2026 and is based on information found on www.sumup.com/en-au/. 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.
* Zeller Savings Account rate as of 21 August 2026, please see here for most up-to-date interest rate.
Zeller is trusted by over 110,000 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.
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.
Manage all your business finances with Zeller
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In-person payments
Accept in-person payments securely and affordably with a Zeller EFTPOS Terminal, or using Tap to Pay with Zeller App.
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Online payments
Get paid faster online without the manual work by sending invoices with Zeller Invoices, or using Zeller Virtual Terminal.
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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.