Zeller Virtual Terminal

Accept payments from your web browser.

What is a virtual terminal?

A virtual terminal enables you to process a payment from any browser, smartphone or computer, or send your customer a secure payment link via email or SMS.

No terminal required

Key in and charge card payments securely from any browser.

Request payments

Send payment links to customers via email or SMS to request payment.

Add to contacts

Assign virtual terminal payments to contacts to track over time.

Enable surcharging

One low fee per payment for all cards – or pass on the fee to your customers.

How to get started with Virtual Terminal.

Zeller Virtual Terminal makes accepting online payments simple, secure, and affordable.

Email and SMS payment links.

Customer card details not handy? No problem. Send a secure payment link via email or SMS.

  • Customers can enter card details privately and pay from anywhere.

  • Track virtual terminal payment status from Zeller Dashboard.

  • Copy a payment link to your clipboard, and send your own way.

Connect payments to contacts.

Assign virtual terminal payments to customers with Zeller Contact Directory.

  • See payments made via Zeller Virtual Terminal in contact profiles.

  • Monitor payments owed from outstanding email and SMS links sent.

  • Track customer payments over time to better manage relationships.

Get your funds faster.

Settle virtual terminal payments to any bank account — or to your free Zeller Transaction Account for faster access.

  • Track and report on payment status by invoice.

  • Send personalised automated reminders.

  • Accept payment online quickly and securely 24/7.

Accept card payments from any web browser.

Graphic Designers

Accountants and Bookkeepers

Lawyers

Event Bookers

Caterers

Facialists

Healthcare Professionals

Wholesalers

Takeaway Restaurants

Landscapers

Architects

Delivery Services

Freelancers

Mechanics and Auto Repair

Car Sales

Payment Links are packed with powerful features.

Zeller Virtual Terminal is packed with powerful features to help you get paid faster.

Send payment links via email or SMS.

Assign virtual terminal payments to contacts.

Add transaction notes to virtual terminal payments.

Secure, 24/7 online payment acceptance.

Issue customers an email or SMS receipt.

Recover transaction fees with built-in surcharging.

Affordable pricing, with no hidden fees.

Transaction fee

1.75%

+25¢

For domestic cards, with separate pricing for international cards.

Subscription fees

$0

Free to use, with no monthly subscription fees.

Payment links

Free

Send unlimited payment links via email or SMS.

Settlement fees

Free

Fast nightly settlement to your free Zeller Account.

Get started with Zeller today.

Sign up online.

Create a free Zeller Account online in minutes.

Accept a payment.

Accept your first payments with Zeller Virtual Terminal.

Explore Zeller.

Choose other products you'd like to use in your Zeller Account.

Frequently Asked Questions

Zeller Virtual Terminal offers many benefits to business owners accepting payments, including: 

  1. Affordable transaction fees. Zeller Virtual Terminal offers the lowest transaction fee in Australia for payments of it's type. There are no subscription fees or other hidden charges to use Zeller Virtual Terminal.

  2. Easy to get started. Sign up online for a free Zeller Account in minutes, and immediately begin accepting payments with Zeller Virtual Terminal. 

  3. Enhanced customer security. For customers who do not want to share their card details over the phone, you can choose to send them a payment link via email or SMS to securely complete the transaction from their own device. 

  4. Surcharging. You can choose to absorb the transaction fee for Virtual Terminal payments, or pass this fee on to customers to reduce business costs. 

  5. No hardware required. Accept card payments quickly and securely, without the need to purchase an EFTPOS Terminal. 

An EFTPOS Terminal enables you to accept in-person payments from customers, while a Virtual Terminal enables you to process a payment from any browser, smartphone or computer, when your customer is not present in-person to complete the transaction.

Payments made with Zeller Virtual Terminal are safe and secure for your business, and your customers, for several reasons:

  1. With Zeller Virtual Terminal, you can offer customers the choice to enter their details from their own device using Payment Links. By sending your customer a secure SMS or email to input their own card details and complete the Virtual Terminal payment, your customer's card details are never exposed. 

  2. Zeller Virtual Terminal transactions take place through our secure payment gateway, that utilises data encryption or tokenization to secure sensitive information during transmission. 

  3. Customer card details are not stored in your Zeller Account, meaning sensitive data is never accessible to employees in your business. 

A MOTO (also known as mail order, telephone order) payment is processed by keying in a customer's card details directly into Zeller EFTPOS Terminal. On the other hand, a Virtual Terminal payment is made without the need for an EFTPOS Terminal — by simply keying a customer's card details into a secure portal in your web browser.

Zeller Virtual Terminal is an ideal solution for businesses who don't have a high frequency of regular, in-person card payments, and therefore don't need the convenience of an EFTPOS Terminal — but still need a simple, low-cost way to accept card payments from customers.

Virtual Terminal payments are another type of card not present (CNP) payments. A CNP payment is where a customer is not physically present to tap, insert, or swipe their card in a physical EFTPOS Terminal, so card details are shared online or over the phone. Transaction fees for payments made with Zeller Virtual Terminal are priced differently to a payment made in-person with Zeller Terminal due to the increased level of risk associated with CNP payments.

There are no monthly subscription fees to use Zeller Virtual Terminal. You're only charged one low transaction fee of .1.7 + $0.25 (including GST) for all card types, for any payments accepted using Zeller Virtual Terminal.

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

Virtual Terminal: Flexible Payment Solutions Tailored to Your Business

Zeller Virtual Terminal is another tool among Zeller’s suite of payment solutions that gives businesses even more flexibility to tailor payments to their needs. Rather than purchasing an EFTPOS machine, waiting for invoices to be paid, or setting up a payment gateway, Virtual Terminal is an easy, cost-effective solution that gets businesses paid immediately without the need for any hardware.

On Virtual Terminal, payments are processed by manually entering card details, or by sending customers a secure payment link. With no need for any extra hardware, Zeller Virtual Terminal helps businesses turn their desktop, laptop, smartphone or tablet into a payment terminal.

Virtual Terminal: Cost-effective Alternative to Traditional Payment Methods

Zeller Virtual Terminal eliminates the need to purchase an EFTPOS machine upfront or to pay the monthly fees associated with a payment gateway. Instead, the only fees associated with Zeller Virtual Terminal are the per-transaction charges of 1.75% + 25 c. These fees make Zeller the most affordable Virtual Terminal provider on the market. What’s more, businesses can choose to pass on these fees to their customers through surcharging, making it a zero-cost solution.

Virtual Terminal: Flexible Payment Option for All Business Types

Whether you’re looking to save money, need a backup payment solution or want to avoid carrying an EFTPOS machine around with you, there are many reasons why businesses might choose Zeller Virtual Terminal.

For new businesses that can’t yet afford a long-term solution, Zeller Virtual Terminal helps them get off the ground by allowing them to take payments and build revenue, without the usual overheads. For busy venues that accept over-the-phone orders or reservations, Virtual Terminal means that they don’t need to take MOTO payments from their EFTPOS machine, instead leaving this free to use for in-person transactions.

Online Virtual Terminal also serves as a faster alternative to invoicing, therefore mitigating late payments and cash flow issues for freelancers, consultants or professional service providers. While for mobile businesses or retailers that don’t have a shopfront, it allows them to also accept payments immediately, either by manually entering their customers’ card details or sending them a payment link. 

Zeller Virtual Terminal Feature: Manual Entry or Payment Link

Online Virtual Terminal, allows merchants to have the option of manually entering their customers’ card details which they may receive over the phone, via mail order, fax, or email. It’s as simple as logging into to the Zeller Dashboard, assigning the transaction to a contact and filling in their card details. Once the payment has been processed, you will have the option of sending your customer a receipt via email or SMS. Alternatively, if the customer does not wish to share their card details, you can choose to send them a secure payment link via email, SMS, or by copying and pasting a link into your preferred messaging channel. Once the customer has entered their card details, they will be able to download a digital receipt.

Zeller Virtual Terminal Feature: Connecting Payments to Contacts Online

With so many different ways to pay, Zeller (leading business financial service provider) makes it easy to keep track of who’s paid what, when, and how. With Zeller Virtual Terminal, every payment is linked to an existing or new contact, making it easy to refer back to a customer’s transaction history or to check for unpaid balances. No matter whether a customer pays using Zeller Virtual Terminal, Zeller Invoices, Zeller Terminal or a combination of all three, every transaction linked to an individual contact will appear under their name so payment records are always easy to understand and up to date.

How to start accepting payments on Virtual Terminal in Australia

Every Zeller Account holder has access to the Virtual Terminal in Australia. All you need to do to get started is to sign up to a free Zeller Business Transaction Account and enable Virtual Terminal from your Site Settings.

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