Tap to Pay

Can you take contactless card payments with just your mobile phone? Yes! Until last year, accepting contactless card payments on your phone required you to have a mobile credit card reader either plugged into your phone or connected via Bluetooth. Now, thanks to the latest smartphone technology, you don’t need any extra hardware, all you need is a mobile app that's enabled with Tap to Pay technology, that allows you to accept card payments directly from your phone. What is it called when you take contactless card payments on your mobile phone? The process of accepting a contactless payment on your phone (using its inbuilt technology, not a mobile card reader) is known as ‘ Tap to Pay ’. This term applies to both iPhone and Android devices that are using a financial services app – such as  Zeller App  – to accept contactless credit and debit cards and digital wallets. Can you use any smartphone as an EFTPOS terminal? Only selected iPhone and Android smartphones, with built-in  NFC technology  will support Tap to Pay. What app lets you take EFTPOS payments on your phone? There are a number of different payment apps that can be downloaded from the  App Store  or  Google Play Store  that support Tap to Pay. Zeller App is a great option for Australian businesses looking for a simple, affordable, and scalable platform to accept EFTPOS payments and manage their finances as they grow. Merchants wishing to take payments on their phone will simply need to download their selected app, and follow the steps to configure their device. Once configured, they can then start accepting EFTPOS payments immediately. Is it safe to take EFTPOS payments on your mobile phone? Taking contactless payments on your mobile phone relies on ‘ Near Field Communication ’, or NFC – the same technology that is used for making payments with a mobile wallet. Account information is transmitted from a customer’s card or mobile wallet to the payment processor via radio waves within a very close range, and once received, the processor uses the information to complete the transaction. By virtue of the fact that NFC only works within a couple of centimetres, it makes it incredibly difficult for a potential fraudster to intercept the transaction and steal sensitive information. Tap to Pay on both Android and iPhone via the Zeller App offers highly secure contactless payments that adhere to global security standards. Both platforms support various card types, regularly verify device security, include secure PIN processes and use advanced technology to ensure every transaction is not only convenient but also protected, maintaining the privacy and safety of user information. Additionally, Tap to Pay on iPhone ensures secure transactions through Apple's unique features, such as issuing decryption keys after thorough validation and leveraging the iPhone's built-in security element. How much does it cost to take contactless card payment on your mobile phone? Tap to Pay technology is facilitated by payment apps, each of which have their own pricing structures. The cost of taking card payments on your phone will therefore depend on which app you choose to process these payments. Zeller, for example, offers one low flat transaction fee of 1.4% for all cards, including American Express. The advantage of Zeller is that it is one of the few payment apps that also lets you pass the transaction fee onto your customer through surcharging . If you choose to surcharge, you will incur no fee whatsoever for accepting contactless payments on your phone. I need to take contactless card payments immediately, what should I do? If you want to be able to use your phone like an EFTPOS terminal within a few hours, it’s important that you choose a payment app that has a simple, online sign-up process. All the payment apps will require you to have an account with them first, and in the case of the banks, this will mean  opening a business bank account  which may take several days and an in-person branch visit. With Zeller, you can open an account online, within a matter of minutes – no paperwork required. Once your Zeller Account is up and running, you simply need to download Zeller App, enable Tap to Pay on your device, and you’re ready to start taking card payments on your smartphone. What are the advantages of accepting contactless card payments on your mobile phone? It’s affordable Not all businesses can justify the upfront cost of an EFTPOS terminal, especially if they are not processing a large volume of in-person payments. Being able to use hardware that you already own is therefore a much more cost-effective solution. It allows new businesses or very small businesses to get up and running without the outlay of having to purchase an EFTPOS terminal. It’s mobile For mobile businesses that take in-person payments, having to carry a bulky EFTPOS machine around with you is inconvenient. Using your mobile phone as a payment terminal means you can keep it in your pocket and enjoy being hands-free. It’s great for emergencies For businesses that use a traditional EFTPOS machine, having an app installed and configured to take payments on your phone means that if there’s ever a day when your terminal lets you down or when you have a surge in customers, you won’t miss a beat. In the case of an outage or damaged EFTPOS machine, rather than having to revert to cash-only payments – which will almost certainly lead to lost sales in this day and age – you can keep trading as per usual by simply using your phone. Are there any other hardware-free payment options? In addition to Tap to Pay, there’s another simple solution for taking card payments instantly with no hardware required: Virtual Terminal. If you need a way to charge customers, but in-person payments aren’t possible, this is a great alternative.  Zeller Virtual Terminal  is a web-based tool that lets you take payments over the phone (as well as mail order, fax, or email) by manually entering a customer’s card details into your browser. Alternatively, merchants have the option of sending customers a secure payment link via email or SMS, where they can enter their card details themselves from their own device. Meet Zeller: an all-in-one financial services provider. When you  sign up for a free Zeller Account  today, not only will you be able to start taking card payments on your phone, you will also gain access to a suite of financial services, from a Zeller Transaction Account to debit cards, invoicing, virtual terminal and more. It only takes a few minutes to sign up, and it’s all done online – no paperwork or branch-visits required.

From promoting an offer on the screen of Zeller Terminal to adding a QR code onto your receipts, or customising the colour of your invoices: Zeller ensures your brand is central to the payment process. When we think of brands, naturally some of the most prominent come to mind: Nike, Ikea, McDonalds. However, a strong brand doesn’t necessarily mean a big one. Small businesses are able to derive just as much benefit from a recognisable brand identity as major international companies, it’s all a question of scale. The beauty of building your brand as a small business is that you don’t have to go to huge lengths to achieve it, you just have to be consistent. Emphasising your brand at every customer touch point – whether it’s a simple logo printed on your napkins or the colour of your bathrooms – can leave a lasting impression. In this article, we offer you three innovative ways to integrate your brand into the payment process to engage customers with your business right until they finalise their transaction. 1. Add a Custom Screensaver to Zeller Terminal. Even when Zeller Terminal goes to sleep, it keeps working for your business. Thanks to this new update, you can now set a custom screensaver that will appear on your Terminal screen when it’s not in use. While customers wait for you to scan their items or pull up their order on your point-of-sale, it is the perfect opportunity for you to engage them with your brand. Whether you’ve got a new offer to promote, need to remind customers to place their Christmas orders, or want to highlight a new product or item on the menu: the large, digital screen on Zeller Terminal is the perfect place to do it. Any image can be uploaded, as long as it is sized correctly (320 x 496 px). By incorporating a QR code into the image you can invite customers to sign up to a newsletter, referral program, or competition. This is a great way of bolstering your mailing list with people you know have already interacted with your business. However you choose to use Custom Screensavers on Zeller Terminal, it’s a great way to maintain brand consistency throughout your premises. When you upload a screensaver via Zeller Dashboard, there’s no need to update each Terminal individually, it will automatically update to all the Terminals operating within the site you have selected. By featuring your logo, as well as colours and fonts consistent with your style, a slogan or key message; you will emphasise your brand identity just before your customers walk out the door. To upload a Custom Screensaver: Open the Zeller Dashboard and navigate to Sites Locate and click the site to see its settings Click the Appearance tab Upload your logo Select a background colour (Zeller will automatically recommend some colours based on your logo) Click Save All Zeller Terminals within the site will display the image when in sleep mode 2. Use receipts to engage your customers. Whether they’re printed or sent digitally as an email or SMS , receipts can be used in clever ways to help drive return business or help your customers connect with you. With Zeller, you can add a custom image at the top of the receipt, where a simple logo and/or QR code will catch people’s eye. Below this, you can add in your business details, so your customers know how to contact you, as well as your social media handles. In the case of digital receipts – these are live links that will take customers directly to your social profiles. There are two spaces, above and below the purchase details where you can add a message of 500 characters or less. You could include a brief history of your business, details of a competition you’re running, or a message or slogan that aligns with your brand. Much more than a simple proof of purchase, receipts are an innovative marketing tool that can be leveraged to instil your brand messaging. 3. Align your invoices to your brand identity You don’t necessarily need a shop front to create a strong brand. Having a clear, identifiable web presence will set you apart from your competitors, and ensure your business is the first that comes to mind when your service is required. Or even when it’s not! Your online presence doesn’t end at your website. Every interaction with your customer is an opportunity to remind them of your brand, and invoices are no exception. Zeller Invoices provides you with the best of both worlds: the ability to create and send invoices quickly, but also the flexibility to customise them to align with your brand. With different colours and layouts to choose from, space for your logo and a custom message, your clients will be able to instantly recognise your business and your service. Not only does this make it easier (and therefore faster) for your clients to pay you, but they’ll associate the service with your brand, and are much more likely to return to you next time. Bringing your brand to life across the payment process is just one of the many ways Zeller lets you tailor your financial solution. With many different ways to take payments, make payments and manage your money, Zeller’s tools are designed with the flexibility and versatility to adapt to your business. Find out for yourself by signing up for a free Zeller Account today or by contacting our Sales Team to learn how Zeller could be a great fit for your business, and your brand.

No EFTPOS machine? No problem. All you need is your iPhone and Zeller App. Welcome to the future, where transactions can be made instantly, contactlessly, securely, and now without any additional hardware. Whether you’re a sole trader or a fast-paced business looking for a flexible back-up solution, Tap to Pay on iPhone , which is now enabled in your Zeller App, lets customers pay you easily on your iPhone. To learn more about how to enable Tap to Pay on iPhone click here. Powered by Zeller’s industry-leading smartphone app , this new solution to accept contactless payments includes all the Zeller functionality you know and love, including tipping, surcharging, transaction notes, digital receipts, sales tracking and more. With a straightforward set-up process and one low, flat transaction fee for all cards, Tap to Pay on iPhone and Zeller App does away with complex paperwork, branch visits and fee schedules, instead affording you the ability to take payments quickly and simply. Read on to discover everything you need to know about this cutting-edge tool and how you can get up and running in a matter of minutes. Not an iPhone user? Learn about Tap to Pay on Android here. What is it? Tap to Pay on iPhone is a payments feature, now available on the Zeller App , that lets you accept contactless payments on your iPhone, without the need to invest in an EFTPOS terminal. Customers can simply tap their credit or debit card, Apple Pay, or digital wallet to your iPhone, and/or enter their card PIN number, just like they would do on a regular EFTPOS machine . In this case, the transaction is accepted using EMV Contactless technology. How does it work? Once you’ve signed up online for your free Zeller Account, downloaded the Zeller App to your iPhone, and set up Tap to Pay on your device (see below) accepting contactless payments is a breeze. Simply tap on ‘Tap to Pay’ in the sidebar, key in an amount, present your iPhone to your customer who can pay using a physical card or digital wallet, and wait for the transaction to be approved. It’s as simple as that. Do all iPhones have Tap to Pay? Currently, the feature is available to all users with an iPhone XS or later, using iOS 16.4 or later. It’s important to note that in order to use Tap to Pay on iPhone, users must be signed in to their iPhone with an Apple ID. How much does it cost? Zeller charges one low, flat fee of 1.4% per transaction, for all card types — including American Express. However, businesses have the option of passing on this fee to their customers through surcharging . Businesses can choose to toggle surcharging on or off via the Zeller App or Dashboard. Who is it designed for? Tap to Pay on iPhone and Zeller App is a flexible solution that can be used by all types of businesses, but is especially suited to those whose payment processing requirements don’t justify a full-scale fleet of EFTPOS terminals or advanced features such as Integrated EFTPOS , Pay at Table or printed receipts. What solution you choose will largely depend on your volume of customers and your specific business needs. If you run a busy bar, having a hard-wearing EFTPOS machine on the counter is naturally a better choice. However, for sole traders on the move or smaller businesses such as market stalls, boutiques or clinics with a need for only one or two payment terminals, Tap to Pay on iPhone and Zeller App is an ideal solution. Regardless of your business size, having the Tap to Pay on iPhone feature set up can give you peace of mind, knowing that you’ve got a quick and easy backup option if you ever need one. What about receipts, refunds, and tipping? Tap to Pay on iPhone with Zeller App does not compromise on functionality. Digital receipts can be sent to your customers via text or email; the tipping option can be toggled on, which automatically presents your customers with the option to leave a tip; and users will be able to process refunds directly from Zeller App. What’s more, transactions can be assigned to a contact and notes can be left, making reconciliation a breeze later on. What cards are accepted? Tap to Pay on iPhone and Zeller App accepts contactless payments for all major cards including Mastercard, Visa, American Express, Apple Pay, and a range of other digital wallets including Samsung Pay and Google Pay. Is Tap to Pay safe? Tap to Pay on iPhone uses the built-in features of iPhone to help keep your business and customer data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers so combined with Zeller’s industry-leading security, you can rest assured knowing your business and customer data is protected. Is Tap to Pay available on Android? Yes it is! Click here to learn how Tap to Pay works on Android . Get started. If you’re not yet using Zeller, you will need to create your free account first . This can be done on a desktop or mobile device in a few minutes. Then, simply download the Zeller App. If you already have a Zeller Account , log in to the Zeller App. Once on the app, follow the prompts to begin your set up and start taking payments in minutes.