Know Your Numbers with Zeller’s Advanced Transaction Reporting and Filtering Tools

Know Your Numbers with Zeller’s Advanced Transaction Reporting and Filtering Tools

Understanding and acting on where your cash is coming from, when it arrives, and what’s driving it, is the single most important thing you can do to ensure your business success . Most point-of-sale reporting tools will let you pull a basic sales report if you’re willing to export data, open a spreadsheet, and build it yourself. Zeller is different. Whether you want to know how a product has trended season to season, which hours drive the most revenue, how a product category is performing over time, or how your quietest location stacks up against your busiest, the answer is there, in real time whenever you log in to your Zeller Account.  What’s more, Zeller brings together every way that money flows in and out of your business: through EFTPOS and POS, but also invoicing, transaction accounts, transfers and debit cards. Having your cash flow all managed in one platform means less reconciliation and clearer, actionable insights. Here’s a guide to the four reporting tabs and how to get the most out of each. Your reporting hub: Zeller Dashboard Zeller Dashboard is your central hub for understanding sales performance. You’ll find reports within four different tabs — Overview, Payments, POS, and Items — each giving you a different lens on your business. Here’s how to use them. Overview The Overview tab gives you a high-level financial picture of your business. When you open Zeller Dashboard, this is where you’ll start. The Overview page is split into two subcategories: Payments and Finance. Under Payments , you can see a line graph of your total sales over time, and a breakdown of your sales (including any tips, surcharges, refunds, fees, and GST) today or this month. You’ll also find a sidebar that updates in real-time as transactions are processed. Under Finance , you’ll see the total available balance within your Zeller Transaction Account over time, a list of any other active accounts, your Zeller Debit Cards, and their most recent transactions. How you’ll use it: You own a busy lunch spot and it’s mid-morning. Before the rush hits, you open Zeller App on your phone: the overview already shows three transactions from your early-bird regulars. By the end of service you can see at a glance whether today’s sales are tracking ahead or behind the same day last week, and check your Zeller Transaction Account balance before paying a supplier invoice, all without leaving the one app. Payments Within the Payments tab you’ll be able to go deeper on your transaction history, with advanced filtering that lets you hone in on exactly what you’re looking for. Use the filters: Date — Set a custom date range, or use quick selections to see transactions from last month, last week, this month, or this week. Type — Select the transaction type you’d like to see: sales, refunds, or both. Status — Choose to see only approved or declined transactions, or both. Source — Select the payment channel the customer used: Dashboard ( payment link) , invoices , POS , terminal , or Tap to Pay . Site or Device — Choose which devices (EFTPOS terminal or your smartphone) or sites (if you manage multiple locations) you’d like to view transactions from. Crucially, the filter state is preserved as you work through your results. So if you filter to Saturday night and then change the Type to refunds, you’re still looking at Saturday night, you don’t need to reset your date range each time. Once you’ve narrowed down your results, you can export them as a CSV, PDF, or Excel (XLS) file — whatever works best for your accounting or reconciliation workflow. How you’ll use it: You manage a pub that trades from 11am to 2am. It’s Monday morning and you want to review how last Saturday night went. Set the Date filter to Saturday 11am – Sunday 2am, then set the Source filter to Terminal. In seconds you have a complete list of every card payment processed at the bar during that window. If anything looks off, switch the Status filter to show declined transactions to see whether any payments didn’t go through. POS The POS reports tab is dedicated to all sales processed through Zeller POS. It’s split into five subcategories — Summary, Sales, Categories, Items, and Sites — each giving you a clear breakdown of your sales from a different angle. Summary — A snapshot of gross sales, net sales, and average transaction value, with a graph of gross sales over time (by revenue or number of transactions), a view of how your sites are performing against each other, and a quick look at your top-selling categories and items — all filterable by date and site. Sales — Gross sales broken down by hour of the day or by day of the week, filterable by site and payment method (cash or card). Also includes a full financial summary, covering all incoming revenue and outgoing adjustments such as discounts, refunds, and service charges, plus a payment method breakdown showing the card-to-cash split. Categories — Your best and worst-performing categories at a glance, a line graph comparing how different product categories trend over time by revenue or quantity sold, and an exportable table of category sales data including totals, quantities, and share of overall revenue. Items — A snapshot of total sales, total items sold, and average items per sale. A line graph of your top-selling items over time (by revenue or quantity), plus an exportable list of every item with its full sales data. Sites — Your best and worst-performing locations at a glance, a line graph of top sites by sales over time (by revenue or quantity sold), and an exportable site comparison table. How you’ll use it: You run three cafés across the city and are trying to decide whether to extend trading hours at your quietest location. Open the POS tab and go to Sales, then filter to that site. The hourly breakdown shows a consistent drop-off after 2pm, far steeper than your other two locations. Switching to the Sites view confirms the pattern: your other two locations peak between 3pm and 5pm, while this one flatlines. That’s a clear, data-backed case for either trialling an afternoon special to drive foot traffic, or reconsidering the extended hours investment altogether. Items The Items tab is where you can drill down into the sales data of specific products or services sold through Zeller POS, POS Lite, or Zeller Invoices. At a glance, you’ll see your total revenue, total sales, and number of items sold. You’ll also find a graph of top items by revenue, and another of top items by amount sold. Below that is an exportable list of all your items, complete with variant or modifier, SKU, category, number sold, and price. How you’ll use it: You own a bottle shop and are placing your quarterly order. Open the Items tab, set the date range to the last 90 days, and sort by number sold. Your top performers jump out immediately, so you know to stock up on those. But the ‘top items by revenue’ graph tells a different story: a premium craft beer is in the top five by revenue but not by volume. That means a smaller number of customers are spending more on it, a signal it’s worth expanding your premium range, and possibly creating a dedicated section in-store to drive more of those high-value sales. Start making data-driven decisions with Zeller today Whether you're tracking a single site's daily takings or comparing performance across a national network, the data you need is organised, filterable, and exportable in just a few clicks. It's free to sign up for Zeller, so create your account today and start exploring the reports and tools available to help you manage and grow your business.

by Team Zeller
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Special Report
Zeller Invoicing Report 2025

Zeller Invoicing Report 2025

Paper and PDF invoices persist – but why? Australians have long embraced the speed, accountability, security, and transparency that electronic payments offer, with card payments making up 76 per cent of all transactions . In striking contrast, a recent report estimated that around 90% of SMEs are still sending paper-based or PDF invoices. With digital payments so deeply entrenched, why are Aussie SMEs still sending invoices that force their customers into the arduous process of opening a banking app and copy‑pasting BSBs and account numbers? It’s a fair question – especially when online invoicing solutions are far more time-efficient and result in much faster payment. How much faster, you ask? The numbers below tell a clear story. 100,000+ invoices. Four key insights. Zeller recently analysed more than 100,000 invoices sent and paid via Zeller Invoices. The data clearly demonstrates that online invoicing not only accelerates payments but also reveals important insights around industries, payment methods, delivery channels, and payment terms. This report dives into these insights, providing a guidebook for how you can  immediately improve your business cash flow. Insight 1 Invoice payment times vary across industries. When it comes to invoice payment speed, not all industries are created equal. Zeller’s data shows that on average, invoices are paid in 7.14 days, regardless of sector. Industries such as Retail, Leisure & Entertainment, Transport, and Hospitality tend to be the slowest – on average taking longer than a week for invoices to be paid. In contrast, sectors like Travel, Health & Fitness, Professional Services, and Beauty benefit from faster invoice payments, below the 7-day Australian average. Why the difference? Payment delays can depend on industry norms and client expectations. For example, retail suppliers often wait on store owners to reconcile accounts, whereas a beauty therapist or consultant may be paid immediately after the appointment. Knowing where your industry stands helps set your expectations and plan your cash flow. If you operate in a typically slow-paying sector, it’s wise to be proactive about speeding up payments (as we’ll explore in the following sections). And if you’re in a faster-paying field, there may still be room to tighten the turnaround and get paid even sooner. Practical tips Insight 2 Invoices payable by card are paid 7 times faster. One of the report’s most striking findings is the impact on payment timing by the payment methods available to  settle an invoice. Invoices that offer customers an online credit card payment option get paid dramatically faster – on average 7 times faster than invoices that only offer payment via manual bank transfer. In fact, when customers can click a secure link and pay by card, invoices are settled in just about 2.4 days on average, versus 14.5 days when only a bank transfer is offered.   This trend holds across every sector, though the degree varies. For example, in the Beauty industry, card payments got invoices paid a whopping 15 times faster, versus about 3 times faster in Retail (which is still a huge improvement). Travel businesses saw 9x faster payments with card, Food & Drink about 8.4x, and even traditionally slower sectors like Transport saw over 4x improvement. The bottom line is that, no matter your field, offering customers the choice to pay invoices by credit or debit card greatly accelerates your cash flow. Why does card payment make such a difference? It comes down to convenience and immediacy. Paying an invoice by card is frictionless for the customer – it’s just a few clicks with no need to open a banking app or remember a BSB and account number. Customers can even pay on credit (which means they don’t need cash on hand at that moment) and can potentially earn reward points for doing so. The process is faster and all in one place, especially with digital wallets like Apple Pay or Google Pay allowing for one-tap checkouts. In contrast, bank transfers introduce more steps and greater friction (opening a separate app, typing out amounts and references, ensuring funds are available), which means invoices tend to sit unpaid longer. The data illustrates this clearly. When an invoice includes a card payment link, 70% of those invoices are paid within 24 hours of being sent. With bank-transfer-only invoices, however, a mere 28% are paid on the same day – and nearly 40% of these invoices remain unpaid for over a week. That gap can be the difference between having money in your account tomorrow versus chasing customers next month. Enabling instant online payments essentially turns invoices into a quick “checkout” experience for your client, dramatically improving the odds of prompt payment. Practical tips Insight 3 Invoices sent via SMS are paid 43% faster than those issued via email. How you deliver an invoice can be almost as important as the options you provide to customers for them to make invoice payment. The data reveals that sending invoices by SMS leads to significantly faster payments than sending them by email. In fact, an invoice sent as an SMS link is paid 43% faster on average than an invoice sent via email. In other words, getting that bill directly into your customer’s phone via text message can shave substantial time off the payment turnaround. This makes sense when you consider customer behaviour. A text message is typically read within seconds, and it pops up right in front of the client – it’s hard to ignore. By contrast, an emailed invoice might sit unseen in an inbox or be deferred until “later” when the customer is at their desk. Worse, emails can get lost in spam or filtered out, meaning your client might not even see the invoice at all. With SMS, you’re putting the payment link literally in your client’s hand, on the device they check most often. It’s the most visible way to get their attention on a bill. Another important factor is mobile optimisation. If you send a text with a payment link, you can almost bet the customer will click it on their smartphone – so that invoice needs to be easy to read and pay on a small screen. A clunky or non-mobile-friendly payment page can create friction and delay payment. On the other hand, a smooth mobile checkout (think big buttons, simple form, autofilled details) encourages customers to settle the invoice immediately, perhaps even on the spot while they’re thinking about it. Zeller Invoices automatically recognises which device is being used to, meaning it works flawlessly on both mobile desktop. Timing is another factor here. The sooner the customer receives the invoice, the sooner you’re likely to get paid. Our data suggests a strong benefit to issuing the invoice as soon as a job is done or a sale is completed, rather than waiting hours or days. For instance, if you finish a service call or deliver goods, sending the invoice before you leave the client’s location can prompt immediate payment (often customers will pay while you’re still there). Prompt invoicing keeps the transaction fresh in the client’s mind and signals professionalism. Practical tips Insight 4 Longer terms don’t necessarily mean slower payment. It’s common for businesses to offer extended payment terms – such as 30 or 60 days – to valued clients or to entice new business. Intuitively, you might think giving a client two months to pay would result in getting paid closer to that 60-day deadline. Surprisingly, Zeller’s data shows that extending payment terms doesn’t significantly delay when customers actually pay. In other words, a client given 60 days isn’t guaranteed to take 60 days to pay – they often pay much sooner. In fact, invoices with 30-day terms were paid on average in about 15 days, whereas invoices with 60-day terms were paid in under 20 days on average.  What does this mean for you? First, offering extremely long terms (beyond 30 days) may not be necessary in many cases, since clients aren’t likely to fully utilise that extra time. If a customer is going to pay you in about two to three weeks regardless, then giving them two months to pay is more of a courtesy than a requirement, and it could unnecessarily strain your cash flow. Remember that when you extend long payment terms, you’re effectively extending credit to your customer and financing their operations in the meantime. That can leave you footing the bill for expenses (like goods sold or staff wages) while you wait for the money to come in. Secondly, the fact that longer terms don’t necessarily mean later payments presents an opportunity – you might be able to negotiate shorter terms without upsetting customers, especially if you’ve noticed they typically pay early anyway. For instance, if a client consistently pays your 30-day invoice in two weeks, that’s a signal that you could propose a 14-day term moving forward, formalising what’s already happening in practice. This protects your cash flow with minimal impact on the customer, who has shown they don’t really need the extra time anyway. Of course, some clients will still push right up to the deadline (and a few will be late payers regardless of terms). The key is to know your customers. Use your invoicing data or reports to identify who pays when. You might find some always pay early (or on time), while others chronically drag their feet. You can then manage each accordingly. Perhaps rewarding prompt payers with a small discount for early payment, or enforcing late fees for stragglers, as appropriate. Practical tips