Zeller Terminal: Your Smart Payments Solution, and So Much More

Meet your newest recruit: a sleek, reliable multitasker that takes payments, cuts costs, grows tips, splits bills, delivers insights and builds your brand.

Card machines used to do one job: accept card payments. In 2026, they sit at the centre of a business’s finances. Zeller Terminal is an award-winning card machine leading that shift. It gives businesses real-time visibility of their cash position, sales insights and fast access to their funds. Here are ten reasons it’s more than a card machine.

10 reasons to choose Zeller Terminal

1. It saves your business money

Upgrading your card machine doesn’t have to be costly. Zeller Terminal is yours to own outright from £99 + VAT, and that includes a free built-in point-of-sale system. You won’t pay monthly rental fees, sign a lock-in contract or find hidden costs. Once you start taking payments, you pay one simple rate: 1.3% for domestic Visa and Mastercard, and 1.99% for American Express and all other cards.

"Zeller is a much better payment option for us, the fee percentage is one third less than our previous provider, the transaction time when someone is paying is faster, and we’ve not experienced the all-too-frequent drop outs in service."

Jonathan Moore, Owner, Keswick Alhambra Cinema, Cumbria

2. Customers can pay however they like

Zeller Terminal accepts Visa, Mastercard and American Express, plus Apple Pay and Google Pay. Customers can tap a phone, watch or contactless card, or use chip and PIN. For phone orders, you can key in card details.

3. Your brand stays front and centre

Zeller receipts can carry your logo, business details, social handles, a short message or your returns policy, whether they’re printed or sent by email, SMS or QR code. You can also customise the large screen on Zeller Terminal with an image of your choice, so customers see your brand while you scan their items or pull up their order.

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4. There’s a full point of sale, built in

Zeller Terminal comes with Zeller POS Lite installed out of the box, so you don’t need a separate till or POS app. You can build an item library, organise a basket or order, print kitchen tickets and take payment, all from one device. For businesses without a fixed counter, like market stalls, pop-ups and food trucks, it’s a complete checkout in your hand, and a portable card machine for small business that runs on 4G or Wi-Fi.

5. Splitting the bill takes seconds

No more passing a phone calculator round after a group meal. With split payments, customers can split by custom amount or by number of people. That speeds up table turnover and frees the card machine for other staff sooner.

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6. Every diner gets a chance to tip

With built-in tipping, each guest gets their own tip prompt when the bill is split. Several small tips usually add up to more than one lump sum from the table. You can customise the prompts or switch them off.

7. Refunds are simple, and free

You can process full or partial refunds in a few taps and decide which staff are allowed to issue them. Zeller doesn’t charge a fee to refund a customer, so putting things right never costs you extra.

8. You get real-time business insights

Most payment providers only show you totals at close of business, or bury them in a monthly statement. The Zeller Dashboard and Zeller App show live transaction data and a searchable history. You can track cash flow, spot savings and catch sales patterns as they happen, not weeks later.

9. You get paid faster

Settle into a Zeller Business Account and the day’s takings land that night, 365 days a year. If you settle to another UK bank, funds arrive the next business day. Either way, faster access helps keep payroll and supplier payments on time.

"Our cash flow moves quickly, so settling payments overnight instead of waiting up to 3 days helps me keep things running smoothly.”

Conor Gill, Salún Pub, Aldgate, London

10. You can manage every card machine remotely

Running more than one site? You can manage every Zeller Terminal from the Dashboard or the app. Update staff permissions, edit receipt details and keep every location consistent without visiting each one.

Plus, it’s built to protect your business

Zeller encrypts every transaction end to end, from card machine to settlement, over Wi-Fi, 4G or ethernet. Zeller is PCI-DSS Level 1 compliant, and a team monitors activity 24/7 to block fraudulent transactions. There are no chargeback fees, and Zeller handles disputes with the bank for you, so chasing chargebacks isn’t left to you.