What's New at Zeller

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.

A simple solution for taking card payments instantly with no hardware required. So you need a way to charge your customers, but you don’t have time for invoicing, in-person payments aren’t possible, and setting up a payment gateway is too costly. What’s the solution? Meet Zeller Virtual Terminal . A secure, convenient and cost-effective way to process payments either by accepting your customer’s card details over the phone, or by sending them a payment link. This new feature is the latest addition to Zeller’s robust suite of payment solutions and gives businesses even more flexibility to tailor payments to their needs. Read on to discover what a virtual terminal is, who it’s designed for and how to use it with Zeller. What is a virtual terminal? A virtual terminal does the job of an EFTPOS machine , virtually. It is a web-based tool that allows you to process payments made over the phone (as well as mail order, fax, or email) by manually entering a customer’s card details into the browser of a computer or mobile device. In the case of Zeller Virtual Terminal, merchants can also send customers a secure payment link where they can enter their card details themselves. It therefore enables businesses to transform their desktop, laptop, smartphone or tablet into a payment system, without the need to purchase a physical EFTPOS machine. Why use a virtual terminal? A virtual terminal is a highly useful solution for situations where card-not-present payments need to be made instantly, or for businesses looking for a cost-effective way to accept payments electronically. The beauty of this solution is that all you need is your own device and a browser – no other hardware is required. What’s more, unlike an EFTPOS machine or payment gateway that will incur an upfront cost or monthly fees, a virtual terminal is a very cost-effective way to take payments, where only a small per-transaction fee will be charged. Plus, if you’d like to reduce your costs to zero, Zeller gives you the option of passing on the transaction fee to your customer through surcharging . Whether your business is still in its infancy and you aren’t ready to invest in a long-term solution, whether you need need a backup option to be able to take payments when your EFTPOS machine is in use, or whether you just want to save on costs: there are a number of reasons why a virtual terminal is a great solution. Which types of businesses use virtual terminals? New businesses Businesses just getting off the ground may not yet have the capital or the volume of customers to justify buying an EFTPOS terminal or investing in a payment gateway. A virtual terminal is a great interim solution that helps you build your revenue without the costly outlay. Food venues offering phone orders or taking event bookings At busy restaurants or cafes where customers can place orders or paid reservations over the phone, typing customer details into an EFTPOS machine isn’t always practical. Having a virtual terminal means that the EFTPOS machine can be freed up for in-person purchases, while another staff member can manage the phone payments via their preferred device. Freelancers, consultants or professional service providers While invoicing is a common payment method used by the likes of accountants, bookkeepers, graphic designers, or architects, it doesn’t have to be the only option. Giving customers another, immediate way to pay with virtual terminals means clients can settle up instantly, doing away with administrative and cash flow hassles caused by late payments. Mobile businesses For businesses that move from one location to another, a virtual terminal is a great alternative to having to carry around a physical EFTPOS machine. Gardeners, mobile pet groomers, event caterers or repair technicians can simply send their customers an SMS or payment link that can be settled up on the spot. Retailers or wholesalers Companies offering wholesale or custom orders may require immediate payment for their goods, but are unlikely to have a shopfront where they can take an in-person payment. A virtual terminal lets them accept payment remotely so they can ship the items quickly. Social media influencers With a virtual terminal, influencers communicating with their clients through social media channels don’t need to take their work onto a different platform. Instead they can simply copy a payment link and share it via direct message on Instagram or TikTok. How does Zeller Virtual Terminal work? Accessed from Zeller Dashboard, anyone who has a free Zeller Account will have access to the feature. Before getting started, you’ll need to enable Virtual Terminal from Site Settings on your Dashboard. Each transaction will incur a 1.75% + 25 c fee, which can be passed onto the customer through surcharging. Manually accepting a payment Once logged in, simply click on ‘Virtual Terminal’ on the left hand side panel, and start entering in the relevant details. If you have multiple business locations, these will be listed under ‘Site’. Select the Site you wish to take the payment for, enter the value, select the contact you wish to charge or create a new contact, add any notes about the transaction then click, ‘Continue to Payment’. Fill in your customer’s card details then click ‘Pay’. Once the payment has been processed, you will have the option of sending your customer a digital receipt via email or SMS. Sending a payment link If you would prefer to send your customer a link to enter their card details themselves, from Zeller Virtual Terminal, click ‘Send Payment Link via Email’ or ‘Send Payment Link via SMS’. Enter the mobile number or email address of the customer and click ‘Send Link’. Alternatively you can click ‘Copy Link’ and share the link with your customers in a direct message on social media or via Whatsapp or iMessage for example. The link is secure and will direct customers to a page where they can enter their card details and proceed with the payment. Once the payment has been processed, customers will have the option to download a copy of the receipt. Surcharging Zeller Virtual Terminal gives merchants the option to fully or partially pass on the transaction fee (1.75% + 25c) to customers through surcharging . To enable or manage this function, go to Sites and toggle surcharging off or on. When toggled on, you will be given the option of nominating a percentage of the fee to surcharge. Connecting payments to contacts When you use Zeller Virtual Terminal , Zeller Invoices , or Zeller EFTPOS Terminal , each transaction processed can be assigned to a singular contact to help you track unpaid balances, view payment history and manage relationships with your customers. If you take payments through a combination of Zeller’s payment methods, the Zeller Contact Directory allows you to select a contact and see any previous transactions or outstanding payments across all payment methods. So, whether you choose to use Virtual Terminal alone, or in combination with EFTPOS and Invoices, contact linking ensures your records are always simple to manage and up to date. At Zeller, we understand that all businesses are different. That’s why we’re dedicated to bringing you tailored solutions to help manage your finances. Keep up to date with all the latest product releases, features and enhancements by signing up to the Zeller Newsletter .

If you’re shopping around for a payments provider or a point-of-sale system, you may have come across the term ‘integrated EFTPOS’. In this article, we explain what this technology is and how your business can benefit from integrating with Zeller Terminal. Integrated EFTPOS is a direct connection between your point-of-sale (POS) system and your EFTPOS machine. When these two systems are integrated, sales totals that are rung up on the POS are pushed automatically to the  EFTPOS terminal , eliminating the need for staff members to key in the sales value manually on the machine before payment. With the tap of a button on your register, payment details are automatically transferred to your EFTPOS terminal, ready for your customer to tap, dip, or swipe. To explore the best POS systems available in Australia and find one that suits your needs, check out our comprehensive blog article on the topic. Six ways Zeller Integrated EFTPOS will benefit your business. 1. It reduces human error. An unintegrated EFTPOS machine requires a staff member to manually enter the sales total into the terminal before the payment can be processed. Unavoidably, this process will lead to human error. If a customer is accidentally overcharged, not only do you risk losing their business in future, but it takes time away from your staff to process refunds for incorrect payments. Similarly, if a customer is accidentally undercharged, it is unlikely that you will be able to recoup the lost revenue, and it can lead to frustration and confusion when it comes to end-of-day reconciliation. Integrated EFTPOS eliminates these risks, by removing the need for manual entry into the EFTPOS machine. 2. It makes transactions faster. Integrated payments allow you to serve more customers, faster than ever, by removing unnecessary steps in the payment process. Whether you use a touch screen or a barcode scanner, integrated EFTPOS allows data to be pulled directly from your system, reducing waiting times at the checkout. You’ll also save time at the end of the day. Thanks to two-way communication between your devices, end-of-day reconciliation becomes a breeze, with payment transactions relayed back to your POS automatically. 3. It’s free and fast to set up. Although some merchant services providers may charge upwards of $10 per terminal to integrate with your POS system , Zeller’s integrated EFTPOS solution is free. Similarly, the process of getting set up is simple and self-service. Traditionally, integrating EFTPOS and POS systems has required a third party engineer or integration specialist to arrange a time to visit your business premises in person, with Zeller, you can connect your systems remotely, and in most cases, in less than 15 minutes. 4. You won’t lose sales if your POS system fails. In the event of a POS system outage (or other disruption to your POS system), every other integrated EFTPOS solution will lock you out of your EFTPOS terminal – forcing you to contact their customer service centres in order to get back up and running. We understand it’s critically important that, no matter what, you are still able to process sales at your business. If your POS system suffers a disruption for any reason, you can continue to use Zeller Terminal. Simply toggle on ‘Card mode’, and you will be able to continue processing transactions via Zeller Terminal without any downtime. 5. You have over 600 POS platforms to choose from. Whether you’re using a  cloud-based or on-premise POS  solution, with Zeller, you can be confident that – no matter which POS you choose, or industry you operate within – you’ll get the benefit of integrated payments. Zeller is proud to partner with over 600 POS providers, including leading solutions such as  Abacus , Impos ,  Zii ,  H&L ,  Oracle ,  Whoods ,  Redat ,  Task ,  Hike , plus a long list of others to service a wide range of industries and business sizes. To view the full list of POS providers that Zeller integrates with, visit the  Zeller Partner Hub . Not sure what POS system to choose? Use our Best POS Systems Guide for 2024 to help you find the right provider for your business. 6. You can turn tables faster with Pay at Table. Hospitality businesses using  H&L POS  enjoy the added benefit of Zeller’s innovative  Pay at Table  solution. This integrated technology allows Zeller Terminal to function as an extension of your H&L POS, allowing staff members to 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. Read our blog article to learn how  Pay at Table  works.