Zeller for Retail

Give your retail EFTPOS a boost.

Perfect for any style of retail business.

  • Bring payments to your customers
    Accept customer payments anywhere in the store with a mobile retail EFTPOS terminal.

  • Customise your checkout
    Add customised tipping, surcharges or taxes to suit your industry.

  • Avoid outages
    Deliver optimal customer service and avoid untimely outages with SIM, ethernet, and Wi-Fi connectivity.

  • Manage sites and locations
    Set up, track and customise settings across multiple sites and locations in a few clicks.

Zeller Terminal

Accept payments from customers.

  • Accept payments in minutes, with no lock-in contracts.

  • One low rate for every card accepted, including American Express.

  • Integrate with your retail point-of-sale for faster checkout.

  • Stay connected with Wi-Fi, SIM card or ethernet-enabled EFTPOS.

  • Available online from the Zeller Shop, with free express shipping.

Zeller Transaction Account

Manage spending and finances.

  • Settle funds directly to your Zeller Transaction Account for fast access, or sweep them to any existing bank account.

  • Track business expenses and manage your budget with a breakdown of all payments, categorised your way.

  • Get the complete picture with full visibility into your business transactions across every location and Zeller Terminal.

  • Manage your business relationships with Zeller Contact Directory built right into your Zeller Transaction Account.

Zeller Debit Card

Track business expenses.

  • Your free Zeller Mastercard is included with your new Zeller Terminal — right in the box.

  • Accelerate your cash flow with fast access to your funds processed with Zeller Terminal.

  • Zero fees and no hidden charges on all domestic purchases, and no annual fee.

How does Zeller work for retail businesses?

An all-in-one payment terminal, business transaction account, and debit card, all in one box.

Better shopping experiences

Engage with your customers wherever they are in your retail store with a fully mobile EFTPOS terminal.

Process more payments

Accept more card and payment types for one low processing fee.

Track sales on every device

Build custom reporting on sales at both a retail store location and terminal level. See which stores are the busiest, at what time, and from which Zeller Terminal.

Get your money fast

Settle funds directly to your free Zeller Transaction Account for fast access, or sweep them into any existing bank account.

Only use the parts you need

Choose the solution that’s right for you — Zeller’s products work powerfully alongside your existing financial services products.

Manage your spending

Settle supplier invoices and pay vendors faster with your free Zeller Debit Card, then track your business spending from your free business Transaction Account.

Trusted by over 85,000 Australian businesses.

My biggest issue with previous EFTPOS terminal providers was the lack of personal service and poor customer service in general. The Zeller brand has a personal touch. I felt like I was dealing with a local business, which felt more representative of myself and my brand.

Daniel Berman
Native Drops, Sydney

How much will Zeller cost my retail store?

Try Zeller Terminal for 30 days. If you're not satisfied, we'll refund the purchase price.

In-person payments

1.4%

Even lower rates available for larger businesses.

Zeller Account

$0

With no monthly account fees.

Zeller Debit Card

$0

Included right in the box with Zeller Terminal.

Zeller Terminal

$99

No monthly rental fees or lock-in contracts.

Ready to get started?

Most businesses can be up and running on Zeller within minutes. Sign up free online now.

  • 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.

Sign up free

Looking for an even better rate?

Zeller Sales can help you get the best possible card processing rate for your business.

  • Get the best card processing rate.

  • Staff training and implementation support.

  • Dedicated Account Management.

  • Dedicated 24/7 priority support team.

Contact Sales

Read our latest articles, resources and guides.

Read more on the Zeller Business Blog

Four Ways to Boost Your Brand with Zeller

From customising your Zeller Debit Card with a logo to promoting an offer on the screen of Zeller Terminal, or adding a QR code to your receipts: Zeller ensures your brand is central to your payments and finances. A strong brand doesn’t have to mean a big one. Even small businesses are able to derive as much benefit from a recognisable brand identity as major international companies, it’s all a question of scale. The beauty of building your brand as a small business is that you don’t have to go to huge lengths to achieve it. You just have to be consistent. Emphasising your brand at every customer touch point – whether it’s a simple logo printed on your napkins or the colour of your bathrooms – can leave a lasting impression. In this article, we offer you four innovative ways to integrate your brand into the payment process, whether you're selling or buying, to engage customers or vendors with your business. 1. Personalise Zeller Debit Card with your business logo. Regardless of whether you’ve been in business for three years or three days, good branding gives the appearance of being well-established and of higher quality. It’s why adding your logo to your Zeller Business Debit Card or Zeller Corporate Cards is a great way of communicating professionalism to everyone you’re paying. Nothing says “we have our finances in order” like flashing a branded business debit card in front of a supplier. There will be no doubt in anyone’s mind as to the credibility of your business, nor will you ever accidentally pay for a business expense with your personal credit card.  For business owners running multiple venues, being able to visually distinguish each card ensures expenses are paid for with the correct account, reducing reconciliation errors. Similarly, for companies with multiple employees, expense management is made simpler by labelling corporate cards by team or purpose and with a colour to match. All Zeller cards can be created and personalised online in minutes and linked to your chosen Zeller Transaction Account . Virtual cards are ready to use the very same day, and physical cards will be delivered securely via Australia Post to your business address fast.  To add a logo to a Zeller Debit or Corporate Card: Open Zeller Dashboard and navigate to Cards Create a new card and assign a cardholder + linked account Add a card label (optional) Upload your logo Review and create card Find out more about supported specs and dimensions here . 2. Add a custom screensaver to Zeller Terminal. Even when Zeller Terminal goes to sleep, it keeps working for your business. You can set a custom screensaver that will appear on your Terminal screen when it’s not in use. While customers wait for you to scan their items or pull up their order at your point-of-sale, it is the perfect opportunity for you to engage them with your brand. Whether you’ve got a new offer to promote, need to remind customers to place their Christmas orders, or want to highlight a new product or item on the menu: the large, digital screen on Zeller Terminal is the perfect place to do it. Any image can be uploaded, as long as it is sized correctly (320 x 496 px). By incorporating a QR code into the image you can invite customers to sign up to a newsletter, referral program, or competition. This is a great way of bolstering your mailing list with people you know have already interacted with your business. However you choose to use Custom Screensavers on Zeller Terminal, it’s a great way to maintain brand consistency throughout your premises. When you upload a screensaver via Zeller Dashboard, there’s no need to update each Terminal individually, it will automatically update to all the Terminals operating within the site you have selected. By featuring your logo, as well as colours and fonts consistent with your style, a slogan or key message; you will emphasise your brand identity just before your customers walk out the door. To upload a Custom Screensaver: Open the Zeller Dashboard and navigate to Sites Locate and click the site to see its settings Click the Appearance tab Upload your logo Select a background colour (Zeller will automatically recommend some colours based on your logo) Click Save All Zeller Terminals within the site will display the image when in sleep mode 3. Keep customers engaged with branded receipts. Whether they’re printed or sent digitally as an email or SMS , receipts can be used in clever ways to help drive return business or help your customers connect with you. With Zeller, you can add a custom image at the top of the receipt, where a simple logo and/or QR code will catch people’s eye. Below this, you can add in your business details, so your customers know how to contact you, as well as your social media handles. In the case of digital receipts – these are live links that will take customers directly to your social profiles. There are two spaces, above and below the purchase details where you can add a message of 500 characters or less. You could include a brief history of your business, details of a competition you’re running, or a message or slogan that aligns with your brand. Much more than a simple proof of purchase, receipts are an innovative marketing tool that can be leveraged to instil your brand messaging. 4. Align your invoices to your brand identity. You don’t necessarily need a shop front to create a strong brand. Having a clear, identifiable web presence will set you apart from your competitors, and ensure your business is the first that comes to mind when your service is required. Or even when it’s not! Your online presence doesn’t end at your website. Every interaction with your customer is an opportunity to remind them of your brand, and invoices are no exception. Zeller Invoices provides you with the best of both worlds: the ability to create and send invoices quickly, but also the flexibility to customise them to align with your brand. With different colours and layouts to choose from, space for your logo and a custom message, your clients will be able to instantly recognise your business and your service. Not only does this make it easier (and therefore faster) for your clients to pay you, but they’ll associate the service with your brand, and are much more likely to return to you next time. Bringing your brand to life across the payment process is just one of the many ways Zeller lets you tailor your financial solution. With many different ways to take payments, make payments and manage your money, Zeller’s tools are designed with the flexibility and versatility to adapt to your business. Find out for yourself by signing up for a free Zeller Account today or by contacting our Sales Team to learn how Zeller could be a great fit for your business, and your brand.

Money on the Move: The Best Payment Set-Up for Mobile Businesses & Market Stalls

If you have to get in a car or truck to travel to your customers, this article is for you. Whether you’re grooming dogs, running bootcamps, cleaning houses, offering home-based beauty treatments, or selling from a market stall: how you configure your payment system will be distinctly different from a standard bricks-and-mortar business. This article will outline the simplest and most affordable way to take payments instantly and manage your business finances, all from a single app on the smartphone you already own. Goodbye cash, invoicing, and bank transfers. Hello instant on-the-spot payments on your smartphone. Just because you run a mobile business, doesn’t mean you have to wait to get paid, nor do you need to purchase an EFTPOS machine designed for countertops. If you travel to meet your customer, you’ve got an opportunity to get paid on the spot, with no extra hardware, and no need for follow-up invoices (aka late payments). Today, the best solution for mobile merchants and market stall holders is to accept contactless card payments on a smartphone .  Introducing: Tap to Pay In Australia, the ability to use your smartphone like a payment terminal is known as Tap to Pay and is available through payment apps such as Zeller, for use on both iPhone and Android devices. Using NFC technology (the same technology behind mobile wallets), apps like Zeller can turn your phone into an EFTPOS machine, allowing your customers to simply tap their card or digital wallet to your phone. What is the most affordable Tap to Pay solution? In Australia, the most affordable and comprehensive Tap to Pay provider is Zeller. With one flat rate of 1.4% per tap for all cards, including American Express, no hidden fees or lock-in contracts, and the ability to automatically pass on the per-transaction fee with a surcharge, Zeller’s solution provides businesses with the most value for money. While other providers such as Westpac, ANZ or Tyro offer similar rates, their pricing is not wholly transparent and the sign-up process is lengthy. Furthermore, they require a separate app to use the Tap to Pay feature, while Zeller offers it as a built-in function within a single app, where you can also manage your accounts, cards, invoicing, tracking, and more. Meanwhile, Square offers a service similar to Zeller's, but at a higher rate of 1.6%. Other providers include NAB, SumUp, Pebl and Airpay, however their solutions are often only compatible with either Android or iPhone and frequently involve higher per-transaction fees and lock-in contracts. Why is Tap to Pay with Zeller the best payment system for mobile businesses? When you sign up to Tap to Pay with Zeller, you also benefit from Zeller’s whole ecosystem of financial tools to help manage your business finances, including (but not limited to) a free transaction account, debit card, and tools for sending online invoices and getting paid online with convenient payment links. If you’re not already convinced, here’s every reason why Tap to Pay with Zeller App is the top-rated payment solution among mobile merchants and market stall holders:  1. You already own the hardware, simply download the app.  By using your smartphone, you eliminate upfront hardware purchase costs, monthly terminal rental fees, and maintenance overhead. Plus, you don’t need to worry about carrying another device. Your payment solution is in your pocket.  2. You can accept all contactless payments. Tap to Pay caters to all customer preferences by accepting contactless debit/credit cards, Apple Pay, Google Pay, and other digital wallets. 3. The pricing is simple and predictable.  Zeller’s easy-to-understand pricing makes financial planning and reconciliation simple. Tap to Pay with Zeller App incurs a simple 1.4% per-transaction fee, which can be passed on to your customer automatically by toggling surcharging on. There are no hidden fees or lock-in contracts. 4. Employees can accept payments on their smartphones from the same account. If you have multiple staff members, they can take payments on their own devices (Android or iPhone) all with the same single business account. Plus, with Zeller, you decide what each team member can access, keeping sensitive account information protected. 5. You gain access to a free point-of-sale system. With Zeller POS Lite, you can build and manage a library of items by adding details like name, description, price, and image. This makes checkout faster, allows you to issue itemised receipts, and is especially helpful for businesses that sell a wide range of products or process refunds. You can also import a pre-existing item library instantly to your Zeller Account via a CSV file upload.  6. Your funds are ready to use straight after making a sale .  If you choose to settle your funds into Zeller Transaction Account , you will have instant access to your funds, which you can spend immediately using Zeller Debit Card . Alternatively, settle funds into a third-party bank account and access your funds the next business day.  7. You can send digital receipts to your customers via SMS or email. Not having an EFTPOS machine does not mean compromising on professionalism or efficiency. Tap to Pay lets you offer customers paperless digital receipts, simplifying record-keeping.  8. You can accept payments over the contactless limit with a PIN entry.  Tap to Pay allows you to securely accept payments, even those above the standard contactless threshold of $200. Customers are invited to simply enter their PIN on your phone's screen.    9. You can use the service as much or as little as you need (it won’t cost you). With no lock-in contracts or exit fees, you can use Tap to Pay whenever you need to – whether that’s once a week, once a month, or once a year. It’s a solution that is as flexible as your business, and is especially good for market stall holders that operate seasonally.  10. You can track sales and manage transactions with a user-friendly dashboard.   Log in to your Zeller Dashboard or Zeller App to access a comprehensive overview of all your received payments and expenses paid for with your Zeller Debit Card. With all your business finances consolidated, you can easily access detailed analytics and trend reports. 11. You can integrate Zeller with your Xero accounting software. When you accept payments with Zeller, every sale and settlement can be easily reconciled in your Xero accounting software with a Xero Bank Feed integration . You no longer need to worry about manual transaction imports, all your settlement data will appear directly in your Xero account.   How secure is Tap to Pay with Zeller App? Zeller Tap to Pay uses the same secure NFC technology as in-store terminals, and is fully compliant with the Payment Card Industry Data Security Standard (PCI DSS). Transactions are encrypted end-to-end and processed in real time, so there’s no delay and no doubt. No sensitive card information is stored on your device, which means every tap is protected for both you and your customers. How do you get set up with Tap to Pay? Zeller Tap to Pay works on any Android phone with NFC, as well as any iPhone XS or later running iOS 16.4 or higher. You’ll also need a Zeller Account (free to set up) and internet access (Wi-Fi or mobile data). That’s it! No other hardware required. Follow these steps to get started:

What’s New at Zeller this August

You asked for these features, we've just crossed them off our to-do list. This month, we've made some updates that will give your customers more flexibility at checkout and keep more money in your business. Our new item-by-item bill splitting feature will let diners enjoy a meal without the maths, while the ability to pass on invoice processing fees and to quickly add service charges will benefit your bottom line. Read on to find out more. Simplify checkout with flexible, item-by-item bill splitting. If you’re using Impos or Tevalis with Zeller Bill at Table , your staff can now split a bill by individual menu items right on the terminal. It’s quicker for mixed orders and removes the guesswork when settling who had what.  On your Zeller Terminal bill splitting screen you’ll now see three options: People, Amount, and Items. Choose Items to assign specific dishes or drinks to each diner and charge them separately. This new feature is available on both Zeller Terminal 1 and Zeller Terminal 2.  Recover invoice processing fees with a surcharge. When customers pay an invoice via the Zeller payment gateway, the processing fee is 1.7% + 25c. If you’d prefer not to absorb that cost, you can now pass on some or all of it to your customer and still get paid fast without waiting on a bank transfer.  From Zeller Dashboard on desktop, open Invoices → Settings and enable Surcharging. Choose full or partial surcharging for your invoices. Your choice applies the fee automatically when the customer pays. Cover higher operating costs with service charges . You can now add a service charge to POS Lite sales and Zeller Invoices. Define any charge that fits your business – the common ones are weekend or public holiday surcharges, though you can also use it for delivery or packaging fees.  Create your service charges in Zeller Dashboard. They’ll then appear as handy shortcuts when creating an invoice or on the payment screen of your terminal. Works with Zeller POS Lite on Zeller Terminal 2 and Zeller Tap to Pay.  Try these new features today. Log in to your Zeller Dashboard to try the updates, or test them with Zeller POS Lite from Zeller Terminal or Zeller App. Got ideas for what we should build next? Send them to feedback@myzeller.com – most of this month’s releases came directly from your feedback.

Frequently Asked Questions

Zeller is built to work for new, growing and established retail businesses that accept face-to-face card payments. Whether you’re selling at a market stall or across multiple locations, Zeller’s EFTPOS machine for retail businesses will likely fit your payments needs at a much lower cost than what you’re currently paying your bank. Zeller also helps you accelerate your retail business cash flow by giving you a free Transaction Account and Business Debit Card, right out of the box.

Zeller offers an affordable, fast and secure EFTPOS terminal for retail stores. Every Zeller Terminal includes a free Transaction Account and business Deboit Card, so you can accept retail EFTPOS payments, manage your business finances, and pay vendors quickly.

Card payments accepted with Zeller’s EFTPOS terminal for retail businesses cost 1.4% per tapped, inserted or swiped card payment. There are no monthly terminal rental fees or hidden charges. Zeller Transaction Account and Debit Card is included free, right in the box, with no monthly fees.

If your retail business is processing over $250K annually in card payments through your EFTPOS payment terminal, you may be eligible for an even lower custom rate. Contact Zeller Sales to learn more.

To get your retail business set up with Zeller, sign up for your free Zeller Account by clicking here. You can then order your Zeller EFTPOS Terminal, and we'll ship it to you fast and free, anywhere in Australia.

You can switch to Zeller for your retail EFTPOS payments by signing up here. You’ll be able to get started within minutes as soon as you’ve set up your free account. If you need help switching from your existing merchant services provider, you can also speak to the Zeller Sales team who can help you navigate your existing contract, too.

All of Zeller’s EFTPOS hardware for your pub is purchased and owned by you. It’s yours to keep, and we never charge you any recurring monthly terminal rental charges.

Yes, you can accept MOTO (over the phone) card payments with Zeller Terminal. Simply enter your customer's card details into Zeller Terminal, then process the payment as you usually would. The transaction fee for accepting a MOTO payment is 1.7% (including GST) per transaction.

A retail POS integration streamlines your most time-consuming tasks — from managing inventory, to tracking sales and progress towards targets, shift scheduling, and much more.

Integrating your retail point-of-sale system with Zeller Terminal also helps to improve the customer experience, by streamlining the payments processes and cutting down queues. When you integrate your retail POS system with Zeller, sales totals are automatically pushed from your point-of-sale system to your Zeller Terminal — ready for the customer to tap, insert or swipe to make payment.

Zeller has released integrations with over 600 POS systems, which are currently live or in-testing — including popular Australia retail point-of-sale systems Lightspeed Retail and Hike. Search the Zeller Partner Hub for your preferred retail POS system and contact us today about getting set up. Read the blog, How to Choose Retail POS Software for Your Store, for more information.

Have a question which isn’t answered here? Contact us!

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