• EFTPOS & Point of Sale Solutions

Understanding Chargebacks: A Guide for Australian Businesses

8 min. read13.05.2024
By Team Zeller

At best, chargebacks are frustrating. At worst, they are costly disruptions that can harm your bottom line. Understanding why chargebacks occur – whether legitimate or fraudulent – is key in helping you prevent them. Read on to discover everything you need to know about chargebacks, and the necessary steps you can take to avoid them.

What is a chargeback?

A chargeback is a form of customer protection that allows them to file a dispute against a merchant, with the aim of having a charge returned to their card. In the simplest terms, it is a type of payment dispute that results in a refund. However, instead of your business providing a refund directly to the customer, the customer’s bank reverses the charge, removing money from your bank account and placing it back with the customer. Effectively, a customer can get money back without your agreement, or even involvement. Chargebacks are a way to ensure customers are protected against dishonest or fraudulent businesses, however, they can also be exploited by dishonest customers or criminals using stolen credit card information to pay for goods or services.

How do chargebacks work?

When a customer requests a chargeback from their bank, the bank investigates the issue by contacting the vendor business. If the business is unable to provide adequate evidence that the product or service was in fact provided as promised, the bank will reverse the charge on the customer’s credit card. Usually, the chargeback process goes as follows:

  1. The cardholder notices a transaction that they believe is unauthorised, fraudulent, or erroneous and contacts their bank or credit card company to dispute the charge and request a chargeback.

  2. The card issuer investigates the dispute by requesting additional information such as receipts, order confirmations, shipping details, or any communication between the cardholder and the merchant.

  3. If the card issuer determines that the cardholder's claim is valid, they proceed with the chargeback process.

  4. The disputed charge is then debited from the merchant’s account and is credited back to the cardholder’s account.

  5. The merchant is notified of the chargeback and may be given the opportunity to respond and provide additional evidence to dispute it if they believe the chargeback is unwarranted.

  6. If the chargeback is upheld, the merchant loses the disputed funds, and they may also incur a chargeback fee.

The impact of chargebacks on businesses.

Not only are chargebacks a source of anxiety for merchants, but their cost to your business is actually much greater than just the revenue of the sale.

Chargeback fees

Chargeback fees are fees imposed on merchants by banks or payment processors to cover the costs associated with processing chargebacks. When a chargeback occurs, the merchant may be charged a fee, regardless of whether the chargeback is ultimately resolved in their favour or not. In Australia, chargeback fees range from around $25 to $40 per chargeback.

Lost merchandise

In the situation where a cardholder receives a product, and initiates a chargeback process, the cardholder is usually obligated to return the merchandise, however this is not guaranteed. If the merchant loses a chargeback in addition to forfeiting the product, the cost to their business is doubled as they cannot resell it or recoup its value.

Operational and marketing costs

Whether you’re selling a product or a service, a lot of work happens before it reaches the customer. From packing and shipping to managing inventory and staff, countless hours are spent preparing the customer’s final product, and time is money. What’s more, a sale doesn’t always come for free. Money spent on marketing also disappears every time a charge is reversed.

Unlike other financial service providers, Zeller will not charge your business additional chargeback fees, and our dedicated Account Services team will work with you to compile information to help you defend the chargeback, too.

6 common reasons for chargebacks and how to avoid them.

1. Unmet expectations

If the item or service that a customer pays for is defective or not as described, they can request a chargeback. How to avoid this kind of chargeback:

  • Ensure all product descriptions – whether on a website or in store – are accurate;

  • Use photography that clearly and accurately shows the product;

  • Publish accurate size guides, if selling online;

  • Carefully check products for defects before sending them out for delivery.

2. Onerous or unclear returns policy

If a customer cannot find your returns policy, or if the policy is unclear, they can request a chargeback. How to avoid this kind of chargeback:

  • Make your returns policy clear and straightforward;

  • Ensure your returns policy is visible on your receipt, website, and in-store;

  • Make it easy to contact your business by publishing a customer service phone number or email address on your website and receipt.

Learn how to customise your receipts with Zeller here.

3. Unrecognisable business name

If a customer sees an unfamiliar name on their credit card statement, they may request a chargeback. How to avoid this kind of chargeback:

  • Ensure your business name is clearly and consistently written across your website, receipts, marketing material, and in-store;

  • Check that how your business name appears on bank statements is clear and up to date.

Learn how to change how your business name appears on their bank statements here.

4. Inefficient service or delivery

If a customer’s product takes much longer to arrive than anticipated, or if a service takes longer than expected, they may request a chargeback. How to avoid this kind of chargeback:

  • Where possible, provide tracking information for shipments and send updates if there are any delays or issues with the order;

  • For high-value items, request a signature upon delivery;

  • Ensure that all terms of service and delivery timelines are clearly communicated to customers, both on your website and in any confirmation material you send them;

  • Offer prompt and responsive customer support

  • Keep detailed records of any communication with your customers or shipping documentation, which could be used as evidence in the case a charge is disputed

5. Chargeback fraud

If a dishonest customer wants to avoid paying, while still keeping the purchased goods or services, they might falsely claim that the transaction was unauthorised and request a chargeback. This is what is known as chargeback fraud. To avoid this kind of chargeback, it’s important to have a process for documenting evidence that your agreed upon product or service was provided. How to avoid this kind of chargeback:

  • Take a photo of your goods in their packaging before they are sent. If providing a service, ensure to take photos or screenshots of the finished work.

  • Ensure your customer signs a contract upon completion of any work.

  • Provide your customer with clear, itemised receipts.

  • If the product is being shipped, provide tracking details and request the customer’s signature

6. Stolen card information

If a criminal uses stolen payment information to make an unauthorised purchase, the legitimate cardholder may discover the transaction on their statement, and initiate a chargeback. How to avoid this kind of chargeback:

  • Wherever possible, encourage customers to pay in person rather than over the phone. Fraud rates are considerably lower with card-present transactions compared to card-not-present transactions.

  • When you do have to process over-the-phone payments (otherwise known as MOTO payments), we recommend requesting extra details to help ensure the person making the payment is in fact the legal cardholder, such as their full name, billing address, and some form of ID.

  • If the product is being shipped, provide tracking details and request the customer’s signature (especially if payment has been made by MOTO).

  • Consider taking payment via Zeller Virtual Terminal or Zeller Invoices, which incorporate an additional layer of security (3DS), which asks customers to verify the payment via their banking app.

Zeller monitors your transactions around the clock — 24 hours a day, 7 days a week — to help prevent fraud before it occurs. Our expert team of fraud detectors works alongside real-time, machine-based transaction monitoring in order to identify and reduce fraud risk.

How and when to file a chargeback dispute.

If someone requests a chargeback from your business, the cardholder’s bank or credit card company (acquirer) will notify you. From there, you’ll have the option to challenge the chargeback. This is called a chargeback dispute.

After being notified of a chargeback, you will be given a deadline before which you can dispute the claim. Timeframes will vary from one acquirer to the next, but on average the deadline is between 10 and 30 days from the time you are notified. If you miss the deadline, you will automatically lose the chargeback dispute.

When you are notified about a chargeback, you will be given a reason for the dispute, such as, the customer did not receive their goods or that the item was defective. If you choose to challenge the chargeback, it’s essential that you compile evidence that directly addresses the chargeback reason. For example, if the reason indicates that the customer didn’t receive the item, you should submit any delivery information you have that supports the claim that they did indeed receive the item.

Without sufficient evidence, banks are almost always going to side with the customer.

How are chargebacks managed at Zeller?

  • No chargeback fees. Unlike other financial service providers, Zeller will not charge your business additional chargeback fees, and our dedicated Account Services team will work with you to compile information to help you defend the chargeback, too.

  • 3D secure authentication. When you accept payments with Zeller Invoices or Pay by Link, merchants are provided with an additional layer of protection to deter unauthorised card use. 3D Secure (also known as 3DS) authentication may prompt the cardholder to enter a one-time passcode or a similar authentication step on their banking app in order to proceed with the payment.

  • 24/7 transaction monitoring. When you accept payments with Zeller, you’re not alone. Behind every transaction is a team of anti-fraud experts and 24/7 monitoring that – in addition to the best practices outlined above – will reduce your risk of chargebacks. You can transact with confidence knowing that our dedicated team works hand-in-hand with advanced tools to successfully identify and act on suspicious activity.

  • Chargeback dispute support. In the event that a chargeback does occur, our payment disputes team is here to support you. We will deal with the bank to help save you hours on the phone, and we will not charge you a fee. Plus, if you’re ever unsure, you can contact our support team from 9AM to 1AM, Australian Eastern Time, and you can read more about how Zeller keeps your business safe here.

Keep your business finances safe with Zeller.

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Small Business Security: Five Tips to Avoid Credit Card Fraud

When you accept payments with Zeller, your business benefits from a dedicated anti-fraud team and 24/7 transaction monitoring. However, there’s even more you can be doing to safeguard your business against scammers. Read on to learn our top 5 tips . 1. Never give away your Zeller Account information. No one needs to know your Zeller password except you. We will never ask you for it, and neither should your employees. It’s imperative that you not only keep this to yourself, but that your password can’t easily be guessed. Scammers who manage to acquire account information can login, change passwords and account information, add themselves as authorised users, and start transferring money or requesting new cards to be issued. To help counteract this, Zeller has enabled two-factor authentication and also sends real-time security notifications that will immediately alert you to any changes to your account, such as logins from new devices or password or detail changes. It is important, however, not to rely on these layers of security, which are designed as a last resort. Instead, you must ensure that your account information doesn’t get into the wrong hands in the first place. Need to give your team members access to your Zeller Account? Learn how to manage user permissions here . 2. Never transfer money on behalf of a customer. One common type of scam that targets small businesses involves a fraudster deliberately overpaying for a service, and requesting that the additional funds are transferred to a third party. This type of scam is becoming more and more common in the hospitality and service industry so it’s important to be aware so that you know what to look out for. The scam involves a fraudster using a stolen credit card and pretending to work on behalf of a client. They seek out services that can be associated with other services, for example: A bridal shop and a limousine driver An event space and a partyware hire business A restaurant and a florist How does it work? Let’s take the example of the restaurant and the florist. A fraudster contacts your restaurant saying they are organising a dinner for a client. They request to pay up front for a set menu for 10 people, which comes to a total of $1000. However, they pay you $2000, and request that you transfer the extra $1000 to the florist who will be providing the floral arrangements on the night. This ‘florist’, however, is an associate of the scammer. When the rightful owner of the credit card becomes aware of the illegitimate $2000 transaction, they will request a chargeback and your business will lose the transaction amount. Unlike other financial service providers, Zeller will not charge your business additional chargeback fees, and our dedicated Account Services team will work with you to compile information to help you defend the chargeback, too. What are chargebacks? A chargeback is a transaction reversal initiated by a cardholder's bank or credit card issuer. It allows the cardholder to dispute a charge on their statement and request a refund. Chargebacks are typically associated with unauthorised or fraudulent transactions, billing errors, or situations where the cardholder is dissatisfied with a purchase. Read our article on how to protect your business from chargebacks here . 3. Never click on a link from an unknown source. One of the ways fraudsters acquire account information is through cyber attacks, otherwise known as phishing. This involves the fraudster tricking individuals into revealing banking information such as account passwords or credit card details. Most commonly, the attackers will contact you via email, phone or SMS and either ask you to confirm your account information, or will invite you to click on a link. When clicked, the link might install a virus on your computer, from where the fraudsters can start gaining access to your accounts. If you’re not sure, always proceed with caution. If you receive a request from a known service provider requesting information, contact them through their official customer service channels, not through the message you received. Legitimate Zeller email addresses will all end with ‘@myzeller.com’ and if we contact you via text message, the contact name will automatically appear as ‘Zeller’. 4. Stop using magstripe card readers. A magnetic stripe or ‘magstripe’ is a thin strip of magnetic material that you’ll see on the back of credit and debit cards. The strip contains encoded data, which, when swiped in a magstripe reader, is transmitted to a business’s payment provider, enabling the authorization and processing of the transaction. The problem with this technology (which was invented more than 60 years ago) is that the encoded data is very easy to duplicate. Fraudsters can place small electronic devices called ‘skimmers’ into EFTPOS machines or ATMs for example, and capture credit card information from the magstripe. As a result, chip-based EMV technology has instead become the global standard. EMV cards have an embedded microprocessor chip that is tamper proof and nearly impossible to clone, making it a much more secure alternative. When a customer taps or dips their card, the payment is processed using EMV technology. Zeller Terminal supports both EMV and magstripe transactions, however it will only ever prompt a customer to swipe their card in the cases where a card presented doesn’t have a chip, or if the chip is broken. If you are using an older EFTPOS machine or a mobile card reader, be cautious around customers who insist on swiping their card rather than tapping or dipping it. 5. Be extra-vigilant when taking payments over the phone. Over-the-phone payments, otherwise known as MOTO payments (standing for ‘mail order telephone order)’, give you the ability to manually enter a customer's card details on your Zeller Terminal, or Zeller Virtual Terminal. However, given that the customer is not in front of you, it’s harder to physically verify that the person making the payment is in fact the legal cardholder. Whenever you are processing a payment over the phone, look out for the following: Large orders with unusual quantities being placed by new customers Orders where the card initially declines and the customer continues to provide different card details to complete the transaction Orders where the customer requests payment to be made to a third party (see tip #2 above). Any of the above situations should immediately spark alarm bells. If you are suspicious a transaction may be be fraudulent, or if you are simply taking a MOTO payment from a customer you don’t know, we recommend the following: Take down the card details including the full name Take down the billing address Request ID as a screenshot or photo (if possible) If the products are being shipped, provide tracking details and request the customer’s signature Make sure that the billing address and shipping address are the same, if not, ask why. Also make sure that the name associated with the payment card matches that of the ID. And if your customer is not willing to provide any of the details above, we recommend that you do not proceed with the transaction or accept any type of payment. Keep your business finances safe with Zeller. When you accept payments with Zeller, you’re not alone. Behind every transaction is a team of anti-fraud experts and 24/7 monitoring that – in addition to the best practices outlined above – keeps your account secure. You can transact with confidence knowing that our dedicated team works hand-in-hand with advanced tools to successfully identify and act on suspicious activity. In the event that a chargeback does occur, our payment disputes team is here to support you. We will deal with the bank to help save you hours on the phone, and we will not charge you a fee. Plus, if you’re ever unsure, you can contact our support team from 9AM to 1AM, Australian Eastern Time, and you can read more about how Zeller keeps your business safe here .

How to Securely Transact Over the Phone

Learn how to accept manually entered card payments. When it comes to tapping into new markets, businesses that accept over-the-phone payments have a significant advantage over those that don't. MOTO payments open your business up to a more broad audience, allowing you to attract and serve a greater number of customers. For customers, having the ability to pay over the phone is an added level of convenience — one that requires minimal effort, and causes far less disruption to their busy day than making a trip to a brick-and-mortar store. With Zeller, it's as simple as toggling the MOTO switch on. Before you start accepting payments from customers over the phone, familiarise yourself with the below guidelines and make sure your employees know what to do to safely accept manually entered card payments. Know what to look out for Naturally, with these types of transactions, the risk of fraud increases. A fraudster may attempt to make a phone or mail order purchase using someone else’s compromised card information, taking advantage of the fact that it’s difficult for a merchant to verify the identity of a cardholder without meeting them face-to-face. When processing MOTO transactions, there are a few things to look out for: large orders with unusual quantities, placed by new customers. orders where the card is initially declined, and the customer continues provides different card details in an effort to complete the transaction. customers who request payment be made by a third party (e.g. freight or delivery companies). In all of the above circumstances, it pays to take a few extra steps to verify the customer is indeed the cardholder. Although it's unlikely your business will be the unfortunate target of fraud, it's important to mitigate the risks. The vast majority of disputes can be halted before they even happen. Verify the customer’s identity The most important thing you should always do when processing a transaction is to verify that the customer is who they say they are. When processing a manually entered card payment, there is an obvious hurdle to consider: your customer is not standing in front of you. Instead, they are placing the order via phone (or perhaps email mail). Because neither the card nor the cardholder is present, it can be difficult to verify the customer’s identity. If you’re not able to verify a customer’s identity, you can: request a copy of their government-issued ID, and check to see whether the details match those of the payment card. ask the customer to sign an invoice or, if you’re providing a service, proof of service. Then, check the signature matches the payment card signature. check that the billing and shipping details match, if you’re shipping a product. If any of the details are inconsistent, let the customer know and request clarification. Any customer that is not willing to provide this information should not be served. Obtain a signature It’s always a good idea to obtain signed documentation for the goods or services you provide. Doing so allows you to establish a clear set of payment conditions with your customers, whilst also capturing signatures for your records. Plus, requiring a signature may put off any potential fraudsters. If a customer refuses to sign a document you require, you may decide to refuse them business. Email a receipt An email receipt is easier to keep on hand and track than a paper receipt. It’s a good idea to email your customer a receipt after the transaction is processed, so that they have the details in front of them. Additional measures for higher-value transactions Of course, if you typically accept transactions of a higher amount, the risks are greater so you should implement more stringent security measures. Depending on the type of business your run, there are additional security measures you could consider. There are three documents you should consider. Clear and binding service terms that explain customer liability. A clear, easily accessible refund policy. Signed contracts or customer agreements. Whenever money is involved, there is always a potential risk of fraud. Whether you’re accepting cash, card, or MOTO payments, vigilance is required; it's part and parcel of running a business. Need more information? Our Support team can help with any questions about accepting manual card entry payments. Read more about how Zeller keeps your business safe here .

Zeller Terminal: Your EFTPOS Payments Solution, and So Much More

Meet your newest recruit: a sleek, reliable multitasker that takes payments, processes sales, cuts costs, grows tips, splits bills, and boosts your brand. Once upon a time,  EFTPOS terminals did one thing: accept card payments. In 2024, they have become the beating heart of a business’s finances, incorporating myriad tools and features to help merchants not only deal with the increasing volume of card payments, but also make informed business decisions, deliver premium and branded customer service, and get you paid faster. Zeller Terminal is one such device that’s leading the way in payment technology in Australia. Integrated into Zeller’s financial ecosystem, which offers a  point-of-sale system ,  transaction account  and  savings account ,  debit cards  and  corporate cards , a  contact directory  and  mobile app , Zeller EFTPOS Terminal is a key component of an all-in-one system that gives businesses real-time visibility of their cash position, important sales insights, and near-instant access to their funds. So much more than an EFTPOS machine, Zeller Terminal is a key growth driver for your business, and below, we explain twelve reasons why. Top 12 benefits of Zeller Terminal 1. It saves your business money. Zeller Terminal is yours to own outright for the low cost of $99, or $199 if you choose Zeller Terminal 2, which comes with a built-in point-of-sale system. There are no monthly rental fees, no lock-in contracts, and no hidden costs. Once you start taking payments, you will only ever incur a 1.4% transaction fee for all card types – including AMEX – or 1.7% for over-the-phone transactions. Plus, with Zeller Terminal’s flexible surcharging capability, you can choose to pass on all or part of your merchant fee to the customer. Unlike many merchant services providers which lock you into surcharging for an added fee, Zeller’s zero-cost EFTPOS  option can be turned on, off, or customised at the press of a button. 2. It accepts every payment method. Zeller Terminal gives your customers the option to pay however is most convenient for them. To make payment, a customer can: tap their smartphone, watch, or other  NFC-enabled device  to the terminal tap their contactless debit and credit cards to the terminal insert a chip card into Zeller Terminal and, if needed, securely enter their PIN swipe their card and enter their PIN, or sign directly on the screen (available on Zeller Terminal 1 only) call you and read their card details over the phone 3. It simplifies checkout with a free, built-in point-of-sale system. Traditional point-of-sale software can be costly to growing businesses, which is why Zeller Terminal 2 incorporates a simple POS solution right into the hardware, for free:  Zeller POS Lite . Designed for micro, small, and mobile businesses, this easy-to-use POS solution records sales and delivers a fast and secure customer checkout experience. With Zeller POS Lite, you can: Manage a library of items directly on the terminal or via Zeller Dashboard or App Customise your product offering with modifiers and variants Design your home screen grid to allow quick access to frequently used items Generate itemised receipts which customers can receive via email, SMS, or QR code View detailed sales reports to understand what you are selling and when Create and manage discounts Get set up instantly – Zeller POS Lite comes automatically installed on Zeller Terminal 2 4. It boosts your brand with customisable receipts and screensavers. Zeller ensures your brand is central to the payment process by allowing you to customise both your receipts and your machine’s screensaver. Whether they’re printed or sent digitally as an email or SMS, Zeller receipts can incorporate a custom image at the top of the receipt, as well as business details, social media handles, a brief message or returns policy. Similarly, Zeller Terminal’s large digital screen can be customised with an image of your choice, allowing you to engage your customers with your brand while you scan their items or pull up their order on your point-of-sale. Much more than a simple payment device, Zeller Terminal is an innovative marketing tool that can be leveraged to instil your brand messaging. Customise your Terminal screensaver and your receipt to align with your brand. 5. It splits payments. Gone are the days of making your customers get out their phone calculator to figure out who owes what after a group meal. Zeller Terminal’s  Split Payments  functionality gives customers the option of splitting by custom value or by number of people. Not only is this more convenient for your patrons, but it speeds up the payment process, freeing up the EFTPOS terminal for it to be used by other staff. Additionally, by giving each individual customer the option to pay their share, it gives them all the opportunity to provide a tip. Everyone tips differently, so by giving more power to each customer, it is not only a more democratic process, it's likely to result in cumulatively greater tips for your business. 6. It settles the bill, tableside. Zeller Terminal’s  Pay at Table  feature is revolutionising the dining experience. Where before waitstaff would have to jostle between the diner’s table and the point-of-sale machine to settle a bill, Zeller Terminal now allows you to see total outstanding bills, take payments and close tables — all on one device. Rather than the customer paying at the counter or finalising the bill in the traditional, time-consuming manner, waitstaff can deliver the bill and the mobile payment device, all at the same time. The status of a table is updated in real time and synced across all machines, reducing human error and optimising the whole operation. 7. It makes processing refunds easy. Zeller Terminal supports both complete and partial refunds – and you, as a business owner, have the ability to restrict who can provide a customer with a refund. It’s an added level of protection for your business. Refunding a payment doesn’t cost your business anything; Zeller doesn’t charge any additional fees for refunding a customer. 7. It gives you real-time insights. Track key metrics from your Zeller Terminal in your own Zeller Dashboard or on  Zeller App . By providing powerful real-time data and a searchable transaction history, Zeller equips you with the tools you need to better manage cash flow, identify cost-saving opportunities and sales patterns. With most payment services providers, daily transaction information is unavailable until totals are tallied up at close of business — and important business information can only be found in a monthly merchant services statement. Having the ability to see how your business is performing at a glance enables you to quickly understand your short-term cash flow, progress sales targets to meet (and outperform) business objectives, and ultimately make smarter business decisions. 9. It gets you paid faster with same-day settlements. When you settle your funds into a Zeller Transaction Account, your day’s takings from Zeller Terminal will be deposited into your account the very same night, 365 days a year. If you choose to settle your funds into a third-party bank account, you will receive them the next business day. Speeding up the settlement process means you have access to your funds faster, helping to keep your cash flow healthy, and helping to avoid delays to wage payments or supply orders. 10. It can be controlled remotely. If your business operates across multiple locations, you need an easy way to manage your EFTPOS payment terminals. Every one of your Zeller Terminals can be controlled from your Zeller account, ensuring consistency across your entire operation. Update your staff permissions, enable and disable surcharging, update the information on your receipts, and more from one easy, online location. 11. It increases your tips. Zeller Terminal makes it easy for customers to leave a tip. This is particularly useful for hospitality businesses — you don’t have to enable the feature, but the functionality is there. You can configure your Zeller Terminal to provide a range of tipping options, either prompting a customer to leave a tip calculated on a percentage of their purchase or allowing them to enter a custom amount. This is a proven tactic, designed to grow tips for your business. 12. It reduces paper with digital and QR code receipts. A recent study* revealed that Australia produces 10.6 billion paper receipts annually, but because of their chemical coating, none of them can be recycled. With consumers and businesses becoming increasingly aware of their environmental footprint, many are choosing digital receipts as a convenient and sustainable alternative. Zeller Terminal embraces this step forward by offering customers the choice to have their receipts sent via email or SMS (available on both terminal models), or they can quickly scan a QR code which appears on-screen after the payment has been processed and download their receipt directly to their smartphone (Zeller Terminal 2 only). *‘Life Journey of an Average Receipt’ report, commissioned by Slyp, undertaken by the University of Technology Sydney (UTS). Plus protection for your business. Zeller uses end-to-end encryption and industry best practices to protect transactions from the time they are taken at the terminal to the time your money is received. Whether you choose to use an open or secured Wi-Fi connection or a mobile broadband-based connection, all the information Zeller processes is encrypted to our servers. Our team adheres to industry best practices in cybersecurity and threat management, constantly monitoring transactions for suspicious activity and blocking fraudulent transactions. When payment disputes occur, our team of experts deals with the bank for you, helping you avoid costly chargebacks. We’re always looking ahead. Our team of developers are hard at work, continuously building new functionality to give your business an edge. That's why, when you sign up for Zeller, there are no lock-in contracts or commitments. We know you’ll love our solution enough to never want to leave. Learn more about how  Zeller Terminal  can help your business grow by accepting every card payment, quickly and securely, for one low rate. By sharing your details with us, we may contact you from time to time. We promise we won’t bug you — and you can unsubscribe from communications at any time.

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