Pay nothing for EFTPOS.

Save with zero cost EFTPOS.

Fee-free EFTPOS

Switch on surcharging to enable fee-free EFTPOS instantly.

Faster settlement

7-day a week settlement to your free Zeller Transaction Account.

Powerful features

Split payments, tipping, digital receipts, point-of-sale integrations and more.

No monthly fees

With no monthly rental fees, Zeller is a truly fee-free EFTPOS solution.

Stylish zero-cost EFTPOS solutions.

terminal-2-white-shadow

50%

Annual cost savings

Businesses save up to 50% more on EFTPOS over their previous provider after switching to Zeller.

Why Zeller is better than
other fee-free EFTPOS providers.

Zeller
Other fee-free EFTPOS providers
Sign up free online in 5 minutes
No monthly terminal rental fees
No minimum turnover required
7-day nightly settlements
Reliable, 99.999% uptime
SIM, WI-Fi and ethernet
No lock-in contracts
Customisable surcharge amount
Split payments
Enable customers to add a tip
Free, built-in POS
POS-integrated EFTPOS
24/7 phone and email support

Eliminate your EFTPOS fees.

Merchants save thousands of dollars in fees with Zeller zero-cost EFTPOS machines.

  • Unlimited, fee-free transactions included.

  • Surcharges displayed to customers on-screen.

  • Choose to surcharge the full or partial transaction fee.

Point-of-sale included.

Integrate zero-cost EFTPOS with your POS, or use the free built-in Zeller POS Lite.

  • Choose from over 600 different point-of-sale integrations. More

  • Manage items, discounts, and more with Zeller POS Lite.

  • No additional integration fees or hidden charges.

Why over 85,000 businesses choose Zeller.

No more bill shock

With zero-cost EFTPOS and no hidden fees, there's no bill shock when your processing volume increases.

Get started in minutes

Sign up for your free Zeller Account and order Zeller Terminal — you'll be up and running fast.

24/7 support

Speak to our dedicated support team via phone, email, or SMS, 24 hours a day, 7 days a week.

My clients simply tap their card or mobile wallet to my phone, and the payment is processed instantly. It’s so simple, takes minutes to set up, and I can see every transaction and settlement immediately in my Zeller App.

Sebastian Fernández Mackenzie
Seb's Mobile Car Wash

We banked with a big-4 and used their terminals since we opened. They served their purpose – the money ended up in the bank account. But since having Zeller Terminal, we’ve realised how much better terminals can be.

Aaron Chan
King's Domain Barbershop

Zeller Terminal has a very inviting interface, so it certainly welcomes tipping! I also like the speed of it. At Toorak Cellars where it's order-at-the-bar, that speed is especially handy.

Lyndon Kubis
Diggin' In The Cellars

We look at our Zeller Dashboard every week. We know exactly where our profit is going to finish at the end of the financial year, and then we'll forecast for the next financial year and measure sales every week to see how we're going against that budget.

Malcolm McCullough
Bill's Farm

Zeller lets us serve 6, 7 or 8 people at once. The transactions just flow. The technology makes the whole process smoother.

Nicholas Schultze
Ascot Vale Hotel

Zeller offers competitive rates and the terminals are very well designed. and aesthetically much more cohesive with the vibe of our store.

Daniel Berman
Native Drops

My favourite thing with Zeller is that I get the same merchant fee for AMEX. I used to have to refuse AMEX payments, and I lost customers over it.

Matt Bisaro
The Floral Craftsman

Fee-free EFTPOS with no hidden charges.

Unlike other fee-free EFTPOS providers, we never sneak in hidden fees. 

Transaction 
Fees

0%

Customer surcharge covers your fees.

Terminal Rental
Fees

$0

No hidden fees or monthly charges.

Zeller Terminal 1

$99

No monthly rental fees or lock-in contracts.

Zeller Terminal 2

$199

No monthly rental fees or lock-in contracts.

Ready to get started?

Most businesses can be up and running on Zeller within minutes. Sign up free online now.

  • 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.

Sign up free

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.

Contact Sales

Frequently Asked Questions

Zeller helps you avoid EFTPOS fees by giving you the option to surcharge your customers automatically. All you need to pay for is Zeller Terminal, which is available for a one-off purchase price of $99 – no hidden charges or monthly terminal rental fees apply.

Every merchant is eligible for zero-cost EFTPOS. If a transaction fee applies to a purchase, a business may choose to pass that cost on to the customer. 

Some merchant services providers charge a fee to set up an automatic surcharge. With Zeller, you have the freedom to toggle surcharging on and off as you wish — at no cost to your business.

With surcharging enabled, Zeller Terminal will automatically apply a surcharge and the transaction total will be displayed on-screen.

If a customer refuses to pay the surcharge, rather than lose the sale, simply toggle surcharging off via Zeller Dashboard.

Have a question which isn’t answered here? Contact us!

Australia's Best Zero Cost EFTPOS Solution

The number of customers using cash to make payments in Australia is dwindling, meaning that the majority of transactions for any small businesses today will be processed on card. With this additional volume comes an additional cost, because every time a customer opts to pay with their card or digital device, there is a small fee associated with processing that transaction. This fee is charged by your payment services provider and is traditionally paid by the merchant. However, it is now possible for businesses to transfer this cost to the customer with a small surcharge, which is added to the sales total. When a business chooses to apply this nominal surcharge, it is referred to as zero cost EFTPOS or fee-free EFTPOS, because the business is no longer paying the fees, the customer is. I.e. The cost to your business is zero. Surcharging is now a common practice in Australia, however not every business will want to apply a surcharge all of the time. This is why Zeller's no-fee EFTPOS has customisable surcharging functionality, which can be toggled on and off as it suits your business.

Zero Cost EFTPOS means: No Hidden Charges

When you choose Zeller's EFTPOS machine with no fees, there are no hidden charges. Once you've made the one-off payment for the hardware, Zeller Terminal is yours to own outright, meaning that you'll never incur terminal rental fees like with other providers. There are no authorisation charges, installation or maintenance fees and there is no minimum monthly transaction total. So, you can use Zeller Terminal as much or as little as you need. Unlike other service providers whose transaction fees vary depending on card type, Zeller's zero-fee EFTPOS processes in-person transactions at a simple flat rate of 1.4% (even for AMEX payments). Card-not-present transactions (whether over the phone or via post) typically cost 1.7%, to reflect the increased security measures required to verify the transaction. Knowing exactly what your fees are means you can easily anticipate what your charges will be if you choose to absorb them. Or you can simply use the EFTPOS machine with no fees by passing them on to the customer. It's up to you to decide.

Customisable Surcharge Amount

The degree to which a business surcharges its customers will vary greatly among industries and business types. This is why we believe in giving merchants the flexibility to run their business in the way that suits them and their customers. That means having the ability to pass on your transaction cost in full or in part and to add or remove surcharging when you want to. With the toggle of a switch, Zeller Terminal lets you set a custom surcharge fee either through your Zeller Dashboard or directly on the terminal itself. You have the option to surcharge your total fees or surcharge a percentage (no more than 1.4%).

Toggle No-Fee EFTPOS On and Off

Most plans claiming zero cost EFTPOS in Australia lock you into a long-term arrangement and can charge merchants an additional fee to switch surcharging functionality on. This means you cannot remove the surcharge without help from your financial services provider, which will likely involve lodging a formal request and then waiting for it to be actioned. With Zeller, business owners have the flexibility to toggle surcharging on or off with ease — as and when it suits their business. Simply log in to your Zeller Dashboard to change the status or set a new custom surcharge. With surcharging enabled, your Zeller Terminal will automatically apply a surcharge to every transaction total, after your customer's card is presented. If you decide surcharging is not for you, simply toggle the functionality off.

Legal Obligations

As a merchant, if you choose to surcharge your customers, you must abide by certain legal obligations that exist to protect consumers from excessive surcharging by businesses. The Reserve Bank of Australia stipulates that you cannot pass on a charge greater than the one you incur, you must review your surcharge at least once a year and you must display appropriate signage about the surcharge in an area where customers are likely to see it. Each state has its own relevant laws to comply with. The onus is on every business owner to familiarise themselves with what's required.To take the guesswork out of calculating your surcharges, Zeller's zero cost EFTPOS simplifies the process by applying one low, flat fee to every transaction. It's the simplest way to ensure you're recouping the full cost of transactions, while meeting your merchant obligations.

Why Choose Fee-Free EFTPOS?

When determining the price of goods or services, the general cost of running a business (such as rent and electricity, ingredients or materials) is factored into the calculation. Transaction fees, however, cannot always be anticipated seeing as they depend largely on the payment method used, which is at the discretion of the customer. By choosing to use Zeller's fee free EFTPOS terminal, it allows you to save your business money either by incorporating the cost of transactions into your pricing, or alternatively by passing the fee onto the customer. Now that cards are the most frequently used method of payment in Australia, surcharging your transaction fees could save your business thousands of dollars a year. It's just another way that Zeller is helping small businesses to save money and grow their potential.

Whether your business is big or small, Zeller products; including online invoicing, business transaction accounts and business debits cards, can help you run more efficiently and meet your next growth milestone.

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