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Mother Mary Shares Words of Wisdom on Choosing Zeller over Westpac

5 min. read11.03.2025
By Team Zeller
About this Merchant
TypeMicrobakery
Locations1
Where?Hastings, VIC

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Mother Mary is a one-woman baking powerhouse based an hour south of Melbourne on the Mornington Peninsula, cooking up cakes, crackers, biscuits, granola and more for her loyal fans and stockists.

Wherever possible, Mother Mary Bakes opts for locally-grown produce and organic ingredients in all her products, delivering them across the peninsula several times a week. In addition to her mouth watering baked goods, Mother Mary also runs semi-regular baking workshops, often with a focus on the fine art of sourdough.

We sat down with the founder of Mother Mary to learn about her business and why she switched her business banking from Westpac to Zeller.

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What’s the story behind Mother Mary?

“Well, I should probably start by saying that my name is actually Hannah, not Mary. It was my grandmother Mary who got me into baking, and the business is named after her. When I was a teenager, nan and I would bake up all her old family recipes that had been handed down from her mother, and that’s when I fell in love with baking.

I started the business as a bit of a hobby-slash-side-hustle with my cousin who also loves baking, and the thing that connects us both – as well as being great friends – is our grandmother, so when the name was first suggested, it just felt right.

After several successful stalls at local markets, I decided to make Mother Mary my full time business. My cousin lives too far away for it to be a full time thing for her, but she’s always more than happy to do some taste-testing whenever she visits.”

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How did you set up the business?

“Once we had our brand name in place, we got an ABN and headed off to our first market stall with a car packed full of goodies we’d baked in mum’s kitchen, a fold out trestle table and a metal cash box, thinking everyone would be paying in cash – but that didn’t last long at all.

We quickly realised that less than half of our customers were carrying cash, but luckily most were happy to pay into my personal Westpac account using PayId on their phone. It wasn’t ideal, but it was workable temporarily. We noticed many other stallholders were using mobile EFTPOS readers, so we bought one of those pretty much straight away, although it wasn’t a Zeller one.

It only took a few stalls for me to realise mum’s kitchen wasn’t going to be big enough if I wanted to make Mother Mary a full-time gig, and mum very kindly offered me the use of a shed at her place, suggesting I could turn it into a dedicated bakery. My partner is an electrician and lots of his mates are tradies too, so it wasn’t long until we’d connected power to the shed, added plumbing, plastered and painted the place, and fitted it out with ovens, benches, fridges and other equipment from Facebook Marketplace.

So in a few months, the business grew from mum’s kitchen and a cash tin to a purpose-built bakery with a website and a way to take card payments. It stopped feeling like a hobby and instead felt like a proper business – it was very exciting.

A few months later, tax time rolled around, so I connected with a friend-of-a-friend who’s an accountant. They were very encouraging about the business in general, but not overly delighted about the fact the business finances were mixed in with my personal finances.”

You mentioned Westpac. What made you switch to Zeller?

“Well, despite my accountant not being thrilled with it, I continued running the money side of the business via my personal Westpac account for a couple more years because…I guess I just didn’t have the time or energy to go into the bank and set up a business bank account. I know that sounds silly, but when you’re running a small business, standing in line at the bank with a million pieces of paperwork just isn’t appealing…so I put it off.

Then a couple of years ago, a friend showed me her Zeller Account on her phone. I noticed there was money in the account, and I asked her which bank she was with. I thought the app was somehow showing her balance from her bank account. She explained that Zeller has its own transaction account built in, so you literally don’t need a traditional business bank account.

Then she showed me her Zeller Terminal, which was much better looking than my old EFTPOS machine, and I thought, ok, this seems like a better solution, and it will make my accountant happy having things separate, so I downloaded the Zeller App then and there.”

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What’s your favourite part of the Zeller product suite?

“I love that it’s an all-in-one solution, so I don’t need to be switching between multiple apps or tabs – it’s all in one place.

As far as what’s my favourite part, well, I guess I switched to Zeller for the transaction account originally, then when I got the Zeller Terminal, I realised the transaction fees are a fair bit lower than what I’d had, and that was nice too.

Another good part is the Zeller Debit Card. It means whenever I buy ingredients or petrol for the delivery van or anything else for the business, I just use that card and it’s immediately visible in my Zeller account, so it makes tracking my spending very easy.

Virtual Terminal is also brilliant for taking orders over the phone, and I can send out payment links and invoices from the dashboard. Plus the business earns interest on its savings with the Zeller Savings Account.

When you add it all together, it’s an all-in-one solution that does absolutely everything I could want it to and more. It’s so much better than what I had before.”

What advice would you give to other small business owners considering switching?

“Well, one thing I can say is that I absolutely detest paperwork, so the fact I could sign up for a  Zeller account without having to visit a bank branch or fill out any painful forms was a big plus.

It was very easy to switch, it made my accountant happy, the tech is excellent…so my advice would be to just do it. When you run a small business, time is money, so I understand people thinking it’s easier to just stick with what you’ve got. But with the cheaper fees, the debit card, savings account, virtual terminal, invoices and everything else built into an all-in-one solution, it’s a no-brainer.”

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Community, Comedy, and Not Commbank: The Winning Mix for this Darwin Bar

When the opportunity came up for husband-and-wife team, Briant and Monica, to take over a bar in Darwin City, they seized it, signing the contracts and opening the doors all within the same week. Discover how fostering a community and creating an efficient tech stack helped them get a stellar start. Holding down full-time government jobs in international marketing and law enforcement, Monica and Briant weren’t exactly planning on the career change that came their way in September, 2023. They were familiar faces at  The Last Supper , a bar and restaurant in Darwin City, where Briant had been running a comedy club on Friday nights. Monica had also become known for her  Pasta Parties  — a side hustle teaching people how to make fresh pasta. So, when the owner of The Last Supper decided it was time to sell, the couple were the perfect prospects. “When the owner approached us, our first thought was, why would we want a bar? That's a terrible idea,” laughs Monica. But, buoyed by the fact that their comedy and pasta class events were already attracting good numbers, they decided to take up the challenge. “We signed the paperwork on Monday, paid the money on Tuesday, got the keys on Wednesday and opened on Thursday,” explains Monica, “We hit the ground running,” says Briant. In just three days, Monica and Briant needed to get set up with a solution for taking payments and managing their money. Their natural first step was to open a  business bank account  with Commbank. “They really messed us around,” says Monica, “We had to go into a branch, we waited an hour for an interview, and then they wanted all this paperwork,” she continues, “We were already customers of theirs, and we simply wanted an account to deposit money into. They just couldn’t make it happen in time.” That’s when they researched their options and found  Zeller . “Monica literally just jumped online, and opened a  Zeller Transaction Account ,” says Briant. They bought  Zeller Terminals , and set themselves up with virtual  debit cards  on their phones straight away. “Setting up Zeller was very easy. We were able to provide all the company paperwork once we were already up and running. It was just so easy. So then we thought, well, why change?” Since then, they have continued to use Zeller as their primary financial management tool, incorporating a  Zeller Savings Account  to earn interest on idle funds,  Zeller App  to monitor sales when they’re not on site, and  Zeller Virtual Terminal  to take deposits for large bookings. The benefit of launching a business in today’s age means being able to build a tech stack with all the latest innovations, rather than dealing with incumbent solutions. From day one, Monica and Briant have sought to “work smarter not harder”, integrating a number of other platforms into the business. “As well as Zeller, we use  TryBooking  for our events,  Wix , for our website and to manage reservations,  Swift POS  is our point-of-sale, and soon I’ll use it for managing our takeaway orders too. Plus we use  Harvest  for time tracking,  Deputy  for rostering, and  Xero  for accounting,” explains Monica. Using technology to keep their operations efficient, has given Monica and Briant more time back in their day to work on the strategic aspects of the business. “A lot of what we do is about building community and connection,” Briant says, “Events are a big part of our business.” Indeed,  The Last Supper’s ‘What’s On ’ page offers an impressive line up, with no less than 46 events running over the last three months of the year: from comedy and karaoke nights to painting and cooking classes, gastronomic-themed parties, reading clubs, concerts, and more. “At the events, we walk around and talk to our customers. It’s quirky, it’s inviting. People love coming here and hanging out,” Briant says, “Some people who came in on the weekend for one of our Pasta Parties ended up making friends and stayed here for eight hours!” Briant laughs. By building a strong local following, Monica and Briant have avoided being reliant on the seasonal tourist trade that dictates the success of many hospitality venues in Darwin. “We thrived through the wet season, when the tourists weren't here,” says Briant. But the popularity of their events didn’t just happen overnight: Monica’s carefully defined marketing strategy has been instrumental in keeping people coming back. “We do a lot of paid socials. We've got an e-mail database that we've built up through events and through our website. We're very active on our Google Business Profile and that helps our SEO. And we’re part of a number of organisations, such as Tourism Top End and Hospitality NT,” explains Monica. While Monica and Briant have harnessed a variety of modern tools to help alleviate their workload and speed up operational tasks, it hasn’t resulted in a hands-off approach. On the contrary, it has enabled them to be even more hands-on in the areas that matter the most: getting to know their customers, building a community, and creating experiences that serve them again and again. Having just celebrated the anniversary of their first year in business, you can rest-assured, their last supper it most certainly isn’t.

Want to Turn Tables 73% Faster? Introducing Zeller Bill at Table.

Picture this. It’s a busy Friday night and you have a growing line of hungry diners waiting to be seated. You look around the restaurant and can see several tables that have finished their meals and are now trying to catch the eye of a waiter to make the inevitable ‘May we please have the bill?’ gesture. From that point on, a series of steps will typically take place. The waiter will: 1. Head to the POS, print the bill and place it in a billholder 2. Take it to the table for the diners to give it a once over 3. Once the diners have signalled their approval, head back to the POS 4. Return to the table with an EFTPOS machine 5. Process the payment at the table That's five lengthy steps in a best case scenario where the restaurant is already taking payment tableside. If not, it’s even lengthier. This bill-time bottleneck has been slowing table turnover down for years, but thankfully our newest feature Bill at Table is here to change the restaurant payment process for good. What is Bill at Table? Zeller Bill at Table enables you to present your diners with digital, itemised bills displayed on Zeller Terminal's large-format screen, and then accept payment tableside instantly. It helps you to turn tables up to 73% faster from bill request to out-the-door, provide a streamlined diner experience and ultimately increase revenue by seating more tables. Bill at Table works seamlessly with Impos and Tevalis point-of-sale, and makes the checkout process smoother and more rewarding for everyone involved. How does Zeller Bill at Table work? Once enabled, using Bill at Table is simple: Choose a table: On your Zeller Terminal , select the table in your venue from the list. Present the digital bill: Show the itemised bill to your diners on-screen. Process the payment: Diners can pay with their card or mobile device, and even add a tip or split the bill amongst their group. Offer a receipt: If requested, provide the diner with a printed or digital receipt. The diner can also scan the QR code on-screen to download the receipt to their device. This straightforward process combines billing and payment into one step, cutting down wait times and improving the overall experience. What are the benefits of Bill at Table? Bill at Table significantly cuts down the time taken to turn tables at the end of the meal . In fact, restaurants who have implemented Zeller Bill at Table have seen table turnover time slashed by as much as 73% , ultimately enabling them to serve up to three additional tables in every sitting. Take tips tableside with Pay at Table. By using Bill at Table and Pay at Table , patrons are more likely to leave a tip than if they head up to the counter to pay, because as Ben Hickey from The Roosevelt in Potts Point said, “When they get up to pay, the magic is gone”. With the tipping prompt built seamlessly into Zeller Terminal, wait staff don't have to ask the awkward question, ‘Would you like to leave a tip?’ – the system prompts it instead. How to get started with Zeller Bill at Table. Bringing Zeller Bill at Table into your restaurant is easy: Check compatibility: Make sure your venue uses Impos or Tevalis point-of-sale, and that it’s integrated with Zeller. We’ll be bringing Bill at Table to many other POS very soon. If you’d like to see it integrated with yours, please let us know at feedback@myzeller.com Chat with our sales team: They’ll guide you through the steps to getting Bill at Table up and running in your business. Train your staff: Guide your team through the simple process to ensure a smooth implementation. By enabling Bill at Table, your restaurant can improve efficiency and enhance the billing experience for both staff and diners. It’s one of those little things that add up to make a big difference. Say goodbye to frustrated diners and sub-optimal table turnover. Say hello to Zeller Bill at Table.

How Pay at Table with Zeller Terminal Can Boost Your Restaurant Revenue

Our latest payments feature is here and it’s revolutionising the hospitality experience. The payment process is often the Achilles’ heel of many restaurant experiences. How many times have you received the bill, placed your credit card down, and then had to wait another fifteen minutes before being able to finally pay for your meal? Countless. This is because, until now, many restaurants have been hamstrung by a disconnection between their point-of-sale machine and their EFTPOS terminal. The time it takes for a waiter to deliver the bill to the diners, retrieve the payment terminal, return to the table, then round off the table in the POS system , is considerable. Multiply this by the number of tables in the venue and you can easily understand the aforementioned delay. Pay at Table technology is changing that. By centralising the POS and payment process into one device, Pay at Table bridges the gap between tapping or swiping a card, and settling the bill in the system. Read on to understand how this technology works and how it can help turn over tables faster, and ultimately drive revenue for your restaurant. If your restaurant is currently not using a POS system and you value efficiency and improving customer experience, consider exploring the best POS systems for restaurants in Australia . These systems can further streamline your payment process, helping you turn over tables faster and ultimately drive revenue. How does Pay at Table work? Pay at Table is effectively an extension of your POS machine, on your EFTPOS terminal. Waiters pick up Zeller Terminal , view open tables, 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. Benefits of Pay at Table technology 1. Increased efficiency Being able to close a table independently of the POS machine means that the latter isn’t blocked by taking payments, it can instead be used to open and manage tables. Naturally, this reduces foot traffic throughout the venue, eliminates queues, and turns tables over more quickly. Staff are freed up to process orders faster, leading to improved service and ultimately, higher sales. 2. Improved customer satisfaction Leaving customers waiting to pay for their bill can leave a bad taste in the mouth — pun not intended. Zeller Terminal’s Pay at Table functionality makes for a smoother process and offers the added benefit of allowing customers to split the cost by the number of people or by a custom amount . 3. Encourages generous tipping Zeller Terminal comes with a built-in tool which can easily calculate the fair amount for a gratuity and will provide the customer with various tipping options to choose from. Displayed clearly for your customers to review, this feature can increase your server’s tip earnings and erase confusion surrounding tipping protocol. Zeller Terminal makes it as easy as possible to prompt your customers to leave a tip, either as a percentage of the purchase amount or a custom amount. Or, you can switch the functionality off altogether. 4. Helps build a customer relationship When wait staff use Pay at Table, an opportunity is provided to spend more time interacting with the customers, ensuring they’ve had a great dining experience in your establishment. The technology also means you can email digital receipts on the spot. Not only is this handy for your customer’s record-keeping and to reduce costs and waste associated with paper receipts, but it’s a great way to expand your customer database by capturing email addresses. You may be able to use these details to keep in touch with your diners, providing them with up-to-date news and special offers that will keep them coming back to your restaurant. 5. Safer transactions Payment security is front of mind for most consumers these days. By having a mobile payment device available, your customer’s card remains in their possession at all times. This offers them security knowing that no one else has had access to their card details or identity. It can also mean fewer chargebacks for your business to handle. The next generation of payment processing Pay at Table is just one example of the many ways that traditional payments are evolving to keep up with the times. New technology is affording us more flexibility to create industry-specific solutions while emerging trends are changing the way we pay. Get started with Pay at Table today Pay at Table is currently available to use with selected POS systems. Contact our Sales Team to learn more about installing Pay at Table on your Zeller Terminals today. 

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