Keep more money in your business with flat-rate pricing.

Zero-cost EFTPOS was a model that allowed businesses to recover their processing feCost of Acceptance is the true total cost of accepting card payments for your business, not just the percentage transaction fee you pay when a transaction is processed.

On top of your transaction fee, your cost of acceptance can include:

• Terminal or hardware fees (a one-off purchase or an ongoing rental)

• Establishment and setup fees

• Monthly account fees

• PCI compliance fees

• Settlement fees

• Refund and chargeback fees

• Receipt rolls and accessories

• Currency conversion fees on international cards

• Lock-in contract or exit fees

Understanding your full cost of acceptance, starting with your transaction rate and everything layered on top of it, is the only way to properly compare providers and know what card payments are really costing your business.es by passing them on to the customer via a surcharge, ensuring the merchant received the full value of the sale.

With variable pricing, your fee changes depending on the card used. Debit, credit, domestic, international, or American Express cards will all attract different rates, which makes your monthly costs hard to predict. With flat-rate pricing, you pay one fee regardless of card type, so you always know exactly what you're paying and can build it into your pricing with confidence.

Firstly, you need to understand exactly how much you're already paying. Ask your payments provider for a merchant statement, or use our EFTPOS fees calculator above to give you an estimate. Once you know your total cost of acceptance over 12 months, (including transaction fees, hardware, and any account fees combined) you can make an informed comparison. When comparing providers, it's important to check for minimum volume requirements, lock-in contracts, and confirm whether the terminal works with your existing POS setup. Choosing a flat-rate provider like Zeller also removes the guesswork, since your rate doesn't change based on your customers' card mix.

Yes, but not for long. "Zero-cost" and "fee-free" EFTPOS rely on surcharging customers to offset the merchant fee, and surcharging on card payments will be prohibited across Australia as of 1 October 2026. Businesses will no longer be able to pass card costs on at checkout, which means the rate your provider charges you directly is now the number that matters most. This makes transparent, low flat-rate pricing more valuable than ever, because your business will be covering the true cost of acceptance, not shifting it to your customer.

Zeller is one of the most affordable EFTPOS providers in Australia thanks to its simple pricing model. Zeller charges one flat, transparent rate on every card, including American Express, so there's never a hidden cost or a rate that changes with the card type. You purchase your terminal outright with no ongoing rental fees, and there's no lock-in contract. For most businesses, that combination makes Zeller one of the most cost-effective options available, though the cheapest provider always depends on your specific transaction volume and card mix.

Owning your terminal outright is almost always cheaper over time. Rental models typically charge $30–$50 a month, adding up to $1,800 over three years, and can come with lock-in contracts that tie you down to paying out the rest of your term or paying an early termination fee. Zeller Terminal is a one-time purchase of $99, so if you're planning to accept card payments for more than a few months, it works out to be much cheaper than a monthly rental model.

Signing up to Zeller is done fully online and takes under 10 minutes, with instant access to your account once your ID is verified.

1. Sign up – Enter your business details and verify your identity via smartphone (ID photo + selfie). No branch visits and no paperwork.

2. Buy your terminal – Order online from the Zeller Shop with free express shipping. No in-store purchase needed.

3. Load your products – If using Zeller POS, bulk-upload your item list via CSV in the Dashboard.

4. Connect your POS – If using a third-party POS, pair Zeller Terminal with your existing POS yourself in a few clicks (600+ providers supported), no technician required.

Switching to Zeller is simple and fast. Once you've factored in shipping time for your terminal and a bit of setup time for your product catalogue (especially if you're migrating a large inventory), most businesses are up and running within just a few days.