Zeller App: Manage All of Your Business Finances From Your Smartphone

Everything you'd expect from a business account — and more. As a business owner, you want to focus on growing your business. Whether your goal is to scale up, increase your profits, or explore new opportunities — our growing range of financial services products enable you to take that next step. We have expanded our product suite to include three new, powerful products that will help more Australian businesses — like yours — to grow. Zeller Debit Card New and improved Zeller Transaction Account Zeller App As with all Zeller products, these new offerings work just as well together as they do with your existing solutions. When used in conjunction with Zeller Terminal, they give you a complete view of your incomings and outgoings — enabling you to get a better handle of your business cash flow. Yet, as part of the exciting evolution of Zeller, you can also opt to use each of these products as a standalone replacement for your current business bank account . Zeller is a new and powerful replacement for your business accounts and cards, enabling you to store, save and spend your money better. Keep reading to learn more about how Zeller is reimagining business banking by developing innovative products to help you run your business better — with no lock-in contracts, monthly fees or need to visit a bank. Reimagining business banking for Australian businesses In 2021, over 3 in 5 Australian business owners reported that they would prefer to manage their business finances through a non-big 4 bank. Tired of the lengthy set-up processes and paperwork, slow settlement, hidden account fees and fine print, it was clear that business owners desired a powerful new alternative. Zeller launched that same year to offer a smarter alternative to outdated business banking solutions serving Australia’s thriving business ecosystem — supporting merchants to grow their cash flow and profitability as they emerged from the pandemic with products that enable them to access their funds faster, gain valuable business insights, manage expenses more efficiently, and sell to their customers in more locations. Now we’ve expanded Zeller’s suite of products to offer a complete financial services solution that’s everything you'd expect from a business bank, but better. The release of these new products marks an important milestone for Zeller in becoming a financial services provider that meets all of your business financial needs — from accepting payments to managing your finances, paying employees and bills, tracking your expenses, reporting on business growth, streamlining bookkeeping and more. With Zeller, you can say goodbye to your outdated business bank. No matter what your financial services needs are, we are developing the solutions to power them — with no monthly fees, no paperwork, no need to visit a branch, and no lock-in contracts. Meet Zeller’s suite of new, powerful financial products Use them all or pick one to plug into your existing tech stack, Zeller offers a suite of financial services products to power up your business — including EFTPOS payments and invoices, accounts and cards, with new solutions for expense management coming soon. Zeller Transaction Account When you sign up for your Zeller Account, you get a free, powerful Zeller Transaction Account that you can use to replace your traditional business bank. Or, simply sign up for your free Zeller Transaction Account and use it without any other Zeller products. It’s the most powerful business Transaction Account for any business stage or type — complete with your own BSB and Account Number. Once set up, you can create as many additional accounts as you like. Zeller Transaction Account comes with features to see a full overview of all of your payments, transactions, expenses, spending and invoices across your top suppliers and customers, and manage expenses in real-time with ease. You can transfer funds to and from your Zeller Transaction Account instantly, then rack all your incomings and outgoings with up-to-the-minute Xero Bank Feeds, to streamline reconciliation. Using your Zeller Transaction Account in conjunction with Zeller Termina l gives you the fastest possible access to your funds, so you can put your money to use. Funds accepted via Zeller Terminal are settled to Zeller Transaction Account nightly, 365 days a year. Zeller Debit Card As you grow your business, you’ll need to purchase stock; pay bills, suppliers and employees; and keep track of it all so your budget is under control. Zeller Debit Card , which replaces Zeller Mastercard, is linked to your free Zeller Transaction Account so you can spend funds as soon as they settle to your account. With Zeller, you can create unlimited, free virtual cards and assign cards to employees in seconds so they can make business purchases in-store and online. Then, add notes and upload receipts so you know where your money is going. If your card ever goes missing, it’s simple to lock or cancel the card in an instant via Zeller Dashboard or Zeller App. Whether it’s a round of coffee for staff, or your business’ electricity, you can pay for it with Zeller Debit Card — plus, you’ll get access to exclusive cardholder benefits and rewards with every dollar you spend. Purchases made in Australia are always fee-free, and there are no annual card fees. Zeller App The Zeller App is the only app you need to manage your accounts and cards, EFTPOS and payments, invoicing and expense management, and more. Whether you operate a startup or a scale-up, you can run all of your business finances from your mobile phone, no matter where you are in the world. With Zeller App , you can: transfer funds fast between accounts order and issue, activate and cancel Zeller Debit Cards for you and your team view sales reports view your entire transaction list and details for all your Zeller Transaction Accounts, Zeller Debit Cards and funds settled from Zeller Terminal add notes to your transactions and more. Zeller App is available and free to download from Apple’s App Store  and Google Play . Zeller Terminal Whether you’re accepting payments in-store, on the go or over the phone, Zeller Terminal ensures customers are able to pay for your goods or services quickly and securely. When you’re just starting out, having an EFTPOS machine helps establish legitimacy with customers and affords incredible efficiencies; you don’t want to be sending customers to an ATM or requesting bank transfers. When you’re operating a busy business, an EFTPOS machine that processes customer payments in seconds helps to cut down queues and increase customer satisfaction — ensuring their final touchpoint with your business is a positive one. Make use of intelligent functionality such as: integrations with 600+ point-of-sale systems to streamline payments custom surcharging to pass on your cost of acceptance in full tipping prompts to grow your tips by 30% customisable receipts for additional business branding and much more. With 99.999% uptime and the option to add a Zeller SIM Card so you can process payments when Wi-Fi or personal hotspot isn’t available, Zeller Terminal ensures you’re always ready to sell. In-person payments cost just 1.4% per tapped, dipped or swiped transaction, while over-the-phone payments cost 1.7% to reflect the additional security measures required to keep your business safe. If your business processes over $250K in card payments per year, you may be eligible for a custom rate. Funds accepted via Zeller Terminal are settled to your Zeller Transaction Account overnight, 365 days a year, and available to spend using your Zeller Debit Card the very next day. Zeller Terminal comes in black and white, and is available from Zeller Shop , with free express shipping and same-day dispatch. There are no lock-in contracts, terminal rental fees or hidden charges. Zeller Dashboard Having the ability to see, track and report on your incomings and outgoings is key to running a successful business. Zeller Dashboard provides one convenient location to see your incomings and outgoing in real-time, manage your EFTPOS terminal settings, create reports, keep track of business performance and more — from wherever you are. Understanding where your money is coming from, and then being spent, is key to healthy cash flow. It also makes tax time easier and enables you to find opportunities to cut spending to support business growth. For example, using Zeller Dashboard you can instantly identify which times and days of the week your business is the quietest. With this information in hand, you can make informed decisions about whether to change your opening times, close on public holidays, reduce your staff, and much more. Zeller Contact Directory works hand in hand with Zeller Dashboard, allowing you to better understand the customers who shop with you and get valuable insights about the businesses you spend with. This powerful functionality gives you one place to see every EFTPOS payment, transaction and account transfer processed with an individual or another business — and it’s included free. Make the switch today Whether your business is big or small, Zeller products can help you run more efficiently and meet your next growth milestone. Plus, all Zeller merchants get free access to live support in under five minutes. Our team of experts is on hand to help you with any queries you may have, and are available via phone call or text, email, and social media. Sign up for your free Zeller Account today in under five minutes to get started, or speak to Zeller Sales about a custom package designed to suit your business needs.

Meet your powerful new business Debit Card. Without fast access to your takings, business cash flow can stagnate. Having the ability to make purchases and spend funds when you need to is critical to keeping the operational wheels of your business moving. When you sign up free for Zeller, you get a free Zeller Debit Card as well as real-time transaction tracking — simplifying bookkeeping, and making expense management a much easier task. Keep reading to discover how it works. The fastest way to access your funds Zeller offers a full suite of products to support all of your business’ financial needs. Using your Zeller Terminal in conjunction with your Zeller Transaction Account and Zeller Debit Card is the quickest way to get access to your takings — speeding up cash flow so you can purchase stock and pay bills and suppliers fast. Or, spend other funds settled to your Zeller Transaction Account from invoices paid to streamline your business spending. Funds accepted via Zeller Terminal are settled to your Zeller Transaction Account nightly, 365 days a year, and then instantly available to spend with your Zeller Debit Card. Features of your new business Debit Card Zeller Debit Card is the powerful new spending card linked to your Zeller Transaction Account, replacing the Zeller Mastercard. There are plenty of new features and tools you can utilise to streamline your business spending, manage expenses, make it easier for staff to make purchases on your behalf, and much more. The new Zeller Debit Card can be used in conjunction with your Transaction Accounts as a standalone replacement to your traditional business bank. It’s one of a number of new and improved products that mark Zeller’s shift to become a full-service financial services provider. Fast setup Your Zeller Debit Card will be shipped to you, fast and free, when you sign up for Zeller. There’s no paperwork, or need to visit a bank branch. Signing up takes just a few minutes online. You can also order additional Zeller Debit Cards and issue them to your employees so they can make business purchases in-store and online. Create and assign virtual cards With Zeller, you can create virtual cards in seconds. Rather than wait for a physical card to arrive in the mail, simply log in to Zeller Dashboard, create a new virtual card instantly, then add it to your mobile wallet. Make purchases in-store and online Use your Zeller Debit Card to make purchases anywhere Mastercard is accepted — whether that's in-store or online. You can even attach invoices, receipts or notes to transactions made, to help streamline reconciliation and bookkeeping — and get a clearer understanding of every business expense. Track who you’re spending money with Tracking purchases made by staff is simple, with up-to-the-minute transaction lists available in both Zeller Dashboard and Zeller App (coming soon). Plus, Zeller Debit Card works hand in hand with Zeller Contact Directory , Zeller’s in-built contact management system. Purchases made using Zeller Debit Card will appear in transaction lists, complete with information about the business where the purchase was made. This functionality empowers you to track where your money is being spent, and better understand the business you spend with. Streamline reconciliation Budgeting is something every business owner must have a handle on. Zeller makes reconciliation simple by enabling you to leave notes and attach receipts to transactions, so you know the context behind each purchase. Information about the purchases made using your Zeller Debit Card can also be pushed to your Xero organisation via up-to-the-minute Xero Bank Feeds to simplify your bookkeeping and expense management, making tax time that much easier. Add to your mobile wallet With the new Zeller Debit Card, you can leave your wallet at home and make purchases with a tap of your mobile device. When Zeller App launches, Android users will be able to add Zeller Debit Card to their digital wallet. Functionality enabling iOS users to do the same is coming soon. Remote card management If you (or your staff) ever lose or misplace a card, simply lock it from Zeller Dashboard or Zeller App (coming soon). Placing a lock on your Zeller Debit Card will instantly prevent it from being used. Once found, the lock can also be removed by you — there’s no need to speak to our Support team, yet we’re always on hand to help if you need. No strings attached Zeller Debit Card is free for businesses to use — with unlimited purchases, no monthly account fees, no paperwork or need to visit a bank, and no lock-in contracts. It’s the optimal solution for growing businesses wanting to streamline spending without the hassle. Earn cashback rewards When you spend with Zeller Debit Card, you’ll receive regular rewards and cashback benefits from your favourite suppliers, restaurants and retailers, exclusive to card holders. Simplify your business spending today Sign up for your free Zeller Debit Card online and we’ll ship it to you, fast and free. Then, activate your card and begin spending in minutes. Or, purchase your Zeller Terminal Kit — complete with Zeller Terminal, Zeller Debit Card and Zeller Transaction Account — so you can process in-person and over-the-phone payments seamlessly and securely.

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. 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