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Lower fees
You and your customers pay less when you surcharge with Zeller.
Built-in POS
Streamline customer checkout with a free, built-in POS solution.
All-in-one money management
Spend, manage, and save your money with one Zeller Account.
Whether you’re launching a new venture, expanding your business, or just making sure you’re getting the best value: find out what sets Zeller and Shift4 apart.
Zeller and Shift4 both offer payment solutions, but when you sign up for Zeller you’re getting more than just an EFTPOS terminal: you’re getting an end-to-end money management system. Below we’ve compiled a comprehensive comparison between Zeller and Shift4 Zero Cost EFTPOS to help you make the right decision for your business.
Compare Zeller and Shift 4
In-person payments
Both Zeller and Shift4 offer EFTPOS solutions, but Zeller offers a larger range of hardware with more robust features and integrations suited to a wider variety of businesses. While Shift 4's machine accepts all cards, has a built-in receipt printer, and supports SIM card and Wi-Fi connectivity, Zeller’s payment solutions match these features and add even more advanced capabilities like point of sale, split payments, custom screensavers, and Pay at Table. Zeller also supports more POS integrations (over 600 vs Shift 4's 22).
With Zeller, businesses can choose between Terminal 1x, Terminal 2, or Tap to Pay on their smartphone, all with a 1.4% flat transaction fee and no monthly charges. In contrast, Shift 4's device costs $34.95 / month (waived if your business transacts over $10,000 monthly) plus a 1.65% transaction fee, and an early contract termination incurs a $90 fee.
Terminal
$199
$34.95/month ($419.40/year), waived if transacting over $10K/month
1.4%
1.65%
1.7%
1.65%
None
$90 + GST if you leave before 12 months
600+
22
Only with Shift4 Dine
Only with Shift4 Dine
With H&L, Impos, Tevalis
Only with Shift4 Dine
SIM, Wi-Fi & Ethernet
SIM, Wi-Fi & Broadband
Zeller Terminal 1x
Same day
Up to a week
Overnight
1–2 days
Tap to Pay
Online payments
Shift4 does not support any online payment options, while Zeller offers immediate access to online invoices, payment links, and virtual terminal when you open a free Zeller Account. These tools allow you to process card-not-present payments, customise invoice templates, automate reminders, issue digital receipts, and track payment history. You can also manage contacts, view payment statuses, and add transaction notes. Zeller Virtual Terminal is available for a fee of 1.75% + $0.25 per transaction, and Zeller Invoices are free to send, but incur a fee of 1.70% + $0.25 when invoice payments are made online with Zeller.
Invoices
Virtual Terminal
Overnight
Business accounts
With Shift4, you must use a third-party bank account to settle your funds. You can also choose to do the same with Zeller, however you also have the option to keep everything within the Zeller ecosystem too, offering more control and visibility over your business finances from a single account. Zeller Transaction Account provides businesses with debit cards and corporate cards to manage employee expenses and track real-time cash flow. Zeller Savings Account allows you to grow your funds with a competitive interest rate (calculated daily, paid monthly) but offers businesses the flexibility to withdraw their funds at any time.
Transaction accounts
$0
Savings account
Anytime
Calculated daily, paid monthly
4.95% p.a.*
Other services
Customer support:
Zeller offers local support to merchants with over-the-phone help available 24 hours a day, 7 days a week, alongside dedicated Account Managers who offer specialised, in-person support in Melbourne, Sydney, Brisbane, Adelaide, and Perth. Smartpay offers 24/7 terminal support and troubleshooting via their help centre or over the phone.
Settlement:
With Zeller, payments settled into a Zeller Transaction Account are available nightly, 365 days a year, including public holidays. If you opt for a third-party bank account, funds are available the next business day. Shift4 only allows settlement into a third-party account, with all funds available the following business day.
Zeller Dashboard and Zeller App
Phone, email and SMS, 24/7
Technical support via phone, 24/7
Overnight into Zeller Transaction Account
Next business day
Competitive data on this page was collected as of 21 August 2026 and is based on information found on www.shift4-au.com.au/. This information is subject to change or update without notice. Zeller does not make any representations as to the completeness or accuracy of the information on this page.
* Zeller Savings Account rate as of 21 August 2026, please see here for most up-to-date interest rate.
Zeller is trusted by over 110,000 businesses
Read more reviews
I’ve used a few different machines but nothing comes close to Zeller. It's up to date with modern technology, and data supplied to me through the machine. Definitely the best decision I have made!
Michael, SA
Zeller is a game changer. Online access to all transactions like Square, but the ability to chuck in a SIM card — no more hot-spotting!
Karl, VIC
We tried a small card reader from Square first, and had so many dramas. Zeller is perfect. It works like a dream!
Malcolm, QLD
Great terminals and great customer service compared with other comparative POS service providers.
Lois, NSW
Zeller works well and is very easy to use. I've used both Zeller and Square, and Zeller is better — hands down.
Ashlee, VIC
Why businesses choose Zeller over Shift 4
All-in-one payments and POS
Choose from Zeller’s free built-in POS, or integrate with over 600 different platforms.
Track your business cash flow
Stay in control when you manage all of your business finances with one local provider.
Smarter payment solutions
With over 12 different tools to accept payments, Zeller keeps your business ahead of the game.
About Zeller
Zeller is an Australian financial services company, founded in 2021, that helps businesses of all sizes accept payments, manage finances, and pay recipients.
It is levelling the playing field for Australian businesses, giving them the tools they need to accelerate their cash flow, without the red tape, complex and costly fee structures, and delays that are characteristic of the traditional banks. Zeller’s integrated solution combines your business’s financial management into one simple platform — accessible online and via mobile app — so that you can clearly see every dollar incoming, outgoing, or earning interest.
Zeller gives merchants the insights they need to make informed business decisions, then supports them in their growth with innovative solutions that improve efficiency and customer experience.
About Shift 4
Founded in 1999, Shift4 (previously Smartpay) is a provider of EFTPOS payment services for businesses across United States and now Australia and New Zealand. Its solutions cater to small and medium-sized enterprises in industries such as retail, hospitality, beauty, tourism, and charities, offering payment processing tailored to diverse business needs.
Manage all your business finances with Zeller
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In-person payments
Accept in-person payments securely and affordably with a Zeller EFTPOS Terminal, or using Tap to Pay with Zeller App.
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Online payments
Get paid faster online without the manual work by sending invoices with Zeller Invoices, or using Zeller Virtual Terminal.
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Accounts and cards
Manage your business finances with free Transaction and Savings Accounts, Debit Cards, Corporate Cards, and more.
Ready to get started?
Most businesses can be up and running on Zeller within minutes. Sign up free online to get started.
Fast and free to sign up.
No lock-in contracts or monthly rental fees.
Access to all Zeller products instantly.
24/7 support via phone, email and SMS.
Over $250K in card payments?
Zeller Sales can help you discover which products are right for your business.
Get the best card processing rate.
Staff training and implementation support.
Dedicated Account Management.
Dedicated 24/7 priority support team.