Give your retail EFTPOS a boost.

The Chinese customer base in Australia is booming, and now Zeller is making it even easier for your business to welcome these shoppers by accepting China UnionPay. From international tourists on holiday to students studying at local universities, Chinese customers form a key segment for many Australian businesses. Zeller now accepts payments via China UnionPay at a simple flat fee of 1.4%, opening your doors to this important market like never before. Ask yourself, could you be missing out on sales by not accepting their preferred card, China UnionPay? Small businesses thrive when they cater to their customers' needs. By supporting China UnionPay, Zeller enables your business to welcome Chinese customers with a familiar, trusted way to pay, right at your countertop. In this article, we'll explain what China UnionPay is, why the Chinese tourism and student market is so important, and how accepting UnionPay can boost your sales and customer satisfaction. What is China UnionPay? China UnionPay, also known simply as UnionPay, is China's main bank card network. Founded in 2002, UnionPay has grown into one of the world's largest payment networks. Virtually every major bank in China issues UnionPay cards, which means most Chinese consumers carry one in their wallet. A UnionPay card works like any other bank card. Customers can tap, insert, or swipe it to pay, and the transaction is processed through the UnionPay network. UnionPay is accepted in over 180 countries and regions worldwide.  Importantly, UnionPay is the preferred payment method for many Chinese nationals when they travel. While some also use international cards or mobile wallets such as Alipay and WeChat Pay, UnionPay is a card they know and trust. By accepting UnionPay, you remove that friction and show these customers you've got them covered. Chinese tourists dominate visitor spending in Australia. According to the ATIC’s International Visitor Survey , in the year ending March 2025, over 860,000 Chinese visitors travelled to Australia (up 26% from last year), spending $9.2 billion (up 28%). Despite being the second-highest source of visitors to Australia (following New Zealand), China still maintained its position as the number one tourism spender in Australia, making up 26% of total tourism spend. For local businesses, the opportunity is clear. Whether you run a retail store, café, tour company or restaurant, Chinese holidaymakers are a key customer group. Group travel is common, and itineraries are often built around destinations that are familiar, convenient and easy to pay in. Lunar New Year brings valuable opportunities for businesses. Each year, international arrivals from China surge over the Lunar New Year period, during which China’s State Council offers an eight-day holiday period. Cities like Sydney now host some of the largest Lunar New Year celebrations in the Asia Pacific. Visitors from China, along with the 1.2 million Chinese-born citizens who call Australia home ( 2021 census ), join the festivities, marking a key trading period for the retail, tourism, and hospitality industries. By accepting China UnionPay in your business, you can incorporate this significant holiday into your yearly strategy. Chinese students drive significant spending. Australia is home to nearly 200,000 Chinese international students enrolled in educational institutions. These students contribute billions to the Australian economy through tuition, housing, and daily expenses. From shopping for groceries to eating at restaurants, buying clothes to travelling domestically and everything in between, these students are an ongoing customer base for businesses around the country, not just tourist hotspots. Both tourists and students often rely on funds from home, using UnionPay cards to access their money. If your business can easily accept their payments, you're far more likely to win their patronage. Accepting China UnionPay means more sales and happier customers. Choosing a payment provider that accepts China UnionPay (such as Zeller) can directly boost revenue. Chinese tourists and students actively seek businesses where their preferred payment methods are accepted. Seeing a China UnionPay acceptance logo tells them clearly, "You can pay easily here." Data from UnionPay shows that, on average, Chinese UnionPay cardholders spend significantly more per transaction than other card users because they feel more at ease and aren't worrying about foreign card fees. Beyond numbers, accepting UnionPay also provides a better customer experience. You're effectively saying, "We welcome you" to Chinese customers, subtly supporting customer satisfaction. Happy customers return and recommend your business to friends – especially important with Chinese customers who often share experiences within their communities and on social media. More payment options equal more potential sales. Every time you add a new way to pay, you remove another barrier between the customer's desire to buy and the actual sale. With UnionPay alongside Visa, Mastercard, American Express, EFTPOS and others, you're covering all bases. How to start accepting China UnionPay with Zeller. If you're already using Zeller Terminal, Zeller Invoices, Zeller Payment Link or Zeller Virtual Terminal, you don't need to do anything – UnionPay is automatically enabled. Note that support for China UnionPay will be added soon to Zeller Tap to Pay . Not using Zeller yet? Now is a great time to consider us. Sign up for a free Zeller Account in minutes, order a shiny new Zeller Terminal and start accepting China UnionPay straight away.

As a business owner, you don’t have time to be visiting bank branches and chasing paperwork. At Zeller, we understand that. It’s why we’ve built an entirely online sign-up process designed around speed, security, and simplicity. The majority of businesses can access their Zeller Account and begin accepting payments, sending invoices, and managing their finances the very same day. To help you breeze through the sign-up process, this article outlines what to expect and the documents you’ll need. It also explains the security measures we take to protect your data and account, and answers common questions to help you feel confident in choosing Zeller. How Zeller’s sign-up process works Signing up to Zeller is easy and can be done on a desktop computer via our sign-up page or directly on Zeller App . Here’s what to expect from the process: Register online – Open your Zeller Account with your email address, and phone number. We’ll send you a verification code via SMS, so make sure you’ve got your phone nearby.  Enter business details – If you have an ABN or ACN, you’ll enter it here. If you can’t remember what it is or don’t have it handy, you can quickly find it using the ABN Lookup tool.  Upload business documents (if applicable) – For some business types (associations, partnerships, trusts, and government agencies) we’re required by law to collect additional information to verify your business. If you are signing up for one of these business types, ensure you have all your relevant business documents handy, you may need to upload things such as trust deeds, partnership agreements, or business bank statements.  Also, if your business is registered with a federal or state regulator, (for example, the Australian Health Practitioner Regulation Agency) you will need to provide the name of the regulatory body as well as a reference number.  Enter personal details – We ask for your name, DOB, and current residential address. Verify your identity – In this step, you'll confirm your identity using your smartphone. You’ll take a photo of your physical ID (either passport or Australian driver licence) and then record a quick video selfie, which will be matched against your ID photo.  Your security is our priority. Read on to learn how we keep your data safe. How Zeller protects your account and your data At Zeller, your security comes first. It’s why we’ve built comprehensive biometric verification into our sign-up process, to ensure nobody but you can open an account and access your sensitive business information. Taking a photo of your physical ID and a video selfie is simply an extra layer of protection to stop fraudsters and scammers from getting in the door. Then once you begin transacting with Zeller, our team of anti-fraud experts and 24/7 monitoring will ensure your account stays secure. You can transact with confidence knowing that our dedicated team works hand-in-hand with advanced tools to successfully identify and act on suspicious activity.  Zeller is certified for Level 1 of the PCI DSS (Payment Card Industry Data Security Standards) – the highest and most stringent level of compliance, ensuring your data is processed and stored within the most secure payment infrastructure, and industry-leading encryption and access controls. We also only request essential information required for risk and regulatory compliance purposes. Signing up for Zeller is quick and easy. With Zeller, getting started couldn’t be easier. In just a few minutes, you’ll have access to everything you need to take payments, manage your money, and grow your business – all in one place. Sign up today and see for yourself.

Discover how Zeller MOTO payments work for your business. MOTO transactions are a quick, convenient, and secure way to accept payment from customers remotely. Also known as ‘manually entered card payments’, these types of transactions are another way for merchants to grow their business. Unlike traditional card payments – where both the customer and their card are physically present – MOTO payments can occur anywhere. Businesses that accept MOTO payments aren’t reliant upon having a brick-and-mortar location for customers to visit, or even a website or online store. With Zeller, you can process MOTO payments in two ways – through Zeller Virtual Terminal on any computer, or via your Zeller Terminal . What is a MOTO payment? MOTO is short for Mail Order, Telephone Order. It refers to the act of processing a payment remotely – over the phone via a verbal request, or in writing via mail. Both of these scenarios are what’s known as card-not-present transactions, or CNP payments. Instead of a customer tapping, dipping, or swiping their card or another payment device to Zeller Terminal, the merchant will enter the card details and process the transaction manually. Typically, when a merchant processes a MOTO transaction, neither the card nor the cardholder is physically present – making it difficult to verify the purchaser’s identity. This lack of visibility increases the risk for fraudulent transactions to occur. For this reason, additional security practices are required to process MOTO payments. Which businesses benefit most from MOTO payments? MOTO payments are particularly useful for: Professional services such as consultants, accountants, and lawyers Home services such as electricians, plumbers, and cleaners Restaurants and cafés taking phone orders for takeaway or catering B2B businesses that take orders over the phone If you take orders remotely, whether frequently or sporadically, MOTO gives you the flexibility to keep your cashflow moving. How to accept MOTO payment with Zeller. To process a MOTO payment with Zeller Virtual Terminal: Log in to Zeller Dashboard and select Virtual Terminal . Choose the site you want to take the payment for (or create a new one). Enter the transaction amount and any notes you’d like to keep. Select Manually Enter Card as the payment method. Enter the customer’s card number, expiry date, and CVC. Review the details, then click Charge . The payment will be processed instantly, and you’ll see confirmation once it’s approved. Funds settle to your nominated account as usual. To process a MOTO payment with Zeller Terminal: On your device, tap the Mode button and then tap MOTO . You’ll notice that the payments screen turns blue to indicate that you’re now processing a MOTO payment. Enter the transaction amount. Tap Manual Charge. Verify the cardholder’s identity. Enter the card number, expiry date, and CVC then tap Next . Check the amount and card details are both correct. Tap Charge . You also have the option to default to MOTO payment. This is especially handy for merchants operating without a brick-and-mortar shopfront, or those processing a higher volume of MOTO payments. Simply update your Sites settings in Zeller Dashboard by toggling Default to MOTO on. To reflect the increased risk of fraud with MOTO payments, you can require that a site PIN be entered before a MOTO payment can be processed by toggling Require site PIN on. Are MOTO payments safe? MOTO transactions carry more risk than face-to-face or online payments, because the cardholder isn’t physically present. However, with the right tools and processes, they can be processed securely. How Zeller protects your MOTO transactions Zeller provides multiple layers of protection to reduce the risk of fraud and chargebacks: Mandatory CVV input – requires the three-digit code on the back of the card Address Verification Service (AVS) – checks that the billing address matches the cardholder’s bank records 3D Secure authentication – adds an extra layer of verification for suspicious transactions Tokenisation – replaces card details with encrypted tokens to protect sensitive information These safeguards help keep both your business and your customers secure. Best practices for secure MOTO payments To protect your business when processing MOTO transactions: – Confirm the customer’s details and order verbally – Never write down or store card details manually – Only use PCI-compliant systems like Zeller Virtual Terminal – Be cautious of unusually large, urgent, or overseas orders – Watch out for red flags such as repeated declined payments, requests for third-party payments, or unusual quantities of products – Make sure billing and shipping addresses match where relevant – For higher-value or unusual transactions, consider extra safeguards such as a signed service agreement, clear refund policy, or asking for a copy of the customer’s government-issued identity documents (e.g. passport and/or driver's licence) – Always provide an emailed receipt as proof of purchase Visit our Support Centre for more information on the risks of accepting MOTO payments, and tips to help keep your business safe when processing manually entered card payments. How much do MOTO transactions cost? To cover the cost of measures put in place to protect against fraudulent transactions, Zeller's fee to process a manually entered card transaction is 1.7% – slightly higher than the flat fee of 1.4% applied to in-person card payments. A more secure alternative: Zeller Payment Links Instead of taking card details over the phone, you can send a secure payment link via SMS, email or any other platform (e.g. WhatsApp, Messenger, Telegram, etc). Your customer clicks the link, enters their own details, and completes the payment in a PCI-compliant environment. This reduces your exposure to fraud, builds trust with customers, and gives your business a more professional edge.