Zeller Terminal

Save your business more on merchant fees.

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Lower merchant fees

Pay less to accept card payments one low, flat-rate for all cards.

Faster settlements

Get funds nightly, 365 days a year to your Zeller Account.

Reliable connectivity

Avoid costly EFTPOS outages with Wi-Fi and SIM card connectivity.

Complete financial solution

Choose from EFTPOS, invoicing, business accounts and debit cards. 

Streamline your merchant fees.

Zeller is an all-in-one EFTPOS solution with affordable merchant fees, and no monthly rental costs or lock-in contracts. 

Reliable EFTPOS solutions.

Streamline payments, delight customers, and sell more with Zeller Terminal.

  • Print, email, or SMS customer receipts.

  • Long-lasting, all-day battery life.

  • Integrate with 600+ point-of-sale platforms.

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Cut your merchant fees to $0.

Reduce your merchant fees with built-in surcharging.

  • Toggle surcharging on and off at any time.

  • Choose to pass on your full or partial transaction fee.

  • No additional merchant fees or hidden charges.

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Make your merchant fees work for you.

With more affordable merchant fees and no monthly rental charges, Zeller is the smarter financial option for any business.

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See how Zeller’s merchant fees stack up.

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Zeller
Typical Business Banks
Sign up online in < 5 minutes
No minimum turnover requirements
$0 monthly terminal fees
Merchant fee includes American Express
Merchant fee includes international cards
$0 termination fees
$0 chargeback fees
No lock-in contracts
No point-of-sale integration fees

Trusted by over 85,000 businesses.

I’ve learned that cash flow and people are critical for success. We’re a company that believes in simplicity and timely management of our funds, so Zeller’s fast settlement removes stress and keeps things straightforward.

Aaron Taylor
Rush Escape Game, Melbourne

Save more on your merchant fees.

Try Zeller Terminal for 30 days. If you're not satisfied, we'll refund the purchase price.

In-person payments

1.4%

One low rate for all cards. Even lower rates available for larger businesses. 

MOTO payments

1.7%

Manually enter card payments directly into Zeller Terminal.

Zero-cost EFTPOS

0%

Surcharge all or part of your fees with Zeller Terminal.  

Zeller Terminal

$99

Yours to own with 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 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.

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.

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Frequently Asked Questions

Merchant fees and charges are a financial factor every business must consider. While many providers make their merchant charges difficult to understand, others offer simpler, more transparent pricing so you know exactly what your merchant fee covers from the outset. 

Simply put, every time a customer taps, dips or swipes their credit card, debit card or mobile wallet during a transaction, you’ll pay a nominal fee for this transaction to be processed. This is the usual form of merchant fee that’s expected whenever a payment is processed. However, further fees can be leveraged on top of this if you’re not careful to select the right provider.

Some banks will charge for other items, such as chargeback fees, or separate transaction fees on top of the merchant service charge. What makes merchant fees even more confusing is that some financial institutions apply a different fee to transactions based on the different cards your customers might choose to use when transacting with your business.

Perhaps you’ve heard of fee free EFTPOS transactions before. If so, you’re likely wondering how they fit into dealing with merchant fees — how can a payment be processed without any fees attached to it?

It’s all to do with your own unique business policy, namely whether or not you have chosen to charge your customers a surcharge when they transact with you via credit card, debit card or mobile wallet. Surcharges exist to help your business cover the cost of accepting card payments, by having a customer pay the merchant fee or charge.

Surcharges may cover a variety of different fees alongside the merchant charge, and are usually small enough for a customer to agree to pay them. However, there is no such thing as a truly fee free transaction — either your business or the customer pays for the transaction to be processed. As such, surcharges must be considered alongside your business reputation and customer profile.

Zeller keeps merchant fees simple. Using a Zeller EFTPOS terminal enables you to open a fee-free merchant account. Payments accepted with Zeller Terminal are deposited into your merchant account overnight, ready for you to access fast with a free business Mastercard.

Zeller’s card processing rate is 1.4% per tapped, dipped or swiped card payment, no matter what card your customer chooses to use. If you accept MOTO (mail order, telephone order) payments via your Zeler Terminal, the merchant fee is 1.7%. And if your business processes over $250K annually in card payments, the Zeller Sales team can work with you to provide an even lower custom card processing merchant fee.

Zeller will always be transparent about the fees we charge for using Zeller Terminal. You’ll pay one low rate for all card types, with no surprise fees or hidden charges.

Merchant charges can be an overwhelming concept for new business owners. However, when you’re working with a Zeller Transaction Account and EFTPOS terminal, it’s simple to manage. We provide one low, flat rate for all businesses, and will work with you to build a solution that suits your unique business needs.

Find out how Zeller (leading merchant payment service provider) can help you lower your merchant fees by signing up for your free Zeller Account today, or leaving your details with the Zeller Sales team so we can get back to you.

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

Every time your business processes a cashless transaction, there is a small merchant fee to pay. This cost covers the checks and balances that must occur in order to safely move funds from a customer’s bank account into your own. Often, these fees will vary based on the type of card a customer chooses to use — making it difficult to understand how much you’re really paying in merchant charges.

With Zeller, there is one low rate for every in-person transaction. Each tapped, dipped or swiped payment costs just 1.4%, including American Express. Zeller also makes it easy for you to pass that cost — either as a whole or in part — onto customers as a surcharge.

What are Merchant Fees & Charges?

The fees associated with EFTPOS transactions can be confusing. Each payment services provider sets its own EFTPOS pricing rates, and some services come with hidden merchant fees, charges and transaction limits. Depending on which provider you select, you may be required to pay

  • establishment fees

  • installation fees

  • monthly merchant account fees

  • terminal rental charges

  • minimum service fees

  • statement fees

  • cash out fees

And on top of all this - transaction fees for processing payments. The more you’re paying in merchant fees and charges, the less money for your business. High merchant fees restrict business growth and eat into revenue that could otherwise be spent on marketing and other growth strategies. Unfortunately, these costs are often hidden in lengthy merchant statements, meaning many business owners are paying far more than they realise. It pays to read the fine print.

How Zeller Manages Merchant Fees

When you sign up for Zeller, there are no hidden merchant charges or terminal rental fees to worry about. A simple, flat transaction fee of 1.4% applies to all in-person purchases. Transactions that are processed over the phone attract a transaction fee of 1.7% to reflect the additional security measures put in place to protect against fraudulent transactions.


Zeller Terminal is yours to keep when you purchase a Zeller Kit for $259. In the box, you’ll receive a Zeller Terminal, Zeller Mastercard and free Zeller Transaction Account — enabling you to accept, manage and spend your funds as fast the next business day.

No More Expensive Merchant Account Fees

With Zeller, there are no merchant account fees to pay. We take care of your Zeller Merchant Account for free.

Once you’ve purchased your Zeller Terminal, all your business needs to cover is the cost of processing transactions. You can reduce your merchant fees even further by passing the cost of processing transactions onto your customers as a surcharge. The choice is yours — surcharging can be toggled on or off from within your online account.

 

Minimise Your Merchant Charges with Zeller

Every business owner wants to minimise costs in order to maximise profits. Keep your merchant fees to a minimum by choosing a merchant services provider with a low, flat processing rate, and purchasing your EFTPOS terminal outright.

Zeller is an all-in-one solution built for growing businesses. Keep more money in your business by choosing Zeller as your merchant services provider, so you can focus on reinvesting in your business, improving your margins, and scaling your operations.

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