Meet Zeller: We’re Reimagining Financial Services for UK Businesses

Getting paid should be the easy part of running a business. For too many UK merchants, it isn’t. That’s about to change.

Zeller officially launches in the United Kingdom, bringing affordable, innovative, and powerful payment and financial services tools to British businesses. 

Whether you run a neighbourhood café, a growing retail brand, or a trade services business, Zeller gives you everything you need to get paid fast, access your funds, and manage your cash flow, without the paperwork, the lock-in contracts, or the runaround.

UK payments aren’t working for businesses — plain and simple. So we commissioned independent research into the UK payment experience that confirmed what every business owner already feels: payments here are broken.

UK retail payments are broken. The data proves it.

The Zeller UK Payment Report: Friction, Frustration, and How to Fix It takes a deep dive into the payment experience for UK consumers and what it means for the businesses serving them.

The findings are striking. Over a third of UK adults (36%) experience payment issues at least once a month, and checkout friction is disrupting an estimated £22.7 billion worth of in-person retail purchases each year.

These aren’t just inconveniences. They’re costing businesses customers, repeat visits, and revenue. Nearly half of UK adults (48%) say they’re unlikely to return to a business after a bad payment experience. More than four in ten have abandoned a purchase entirely because of card payment issues.

Payment problems don’t just frustrate in the moment. They shape customers' perceptions and whether they come back.

The problem isn’t your customers. It’s your outdated payment terminals.

UK customers expect better than slow, unreliable card machines that make them feel awkward when trying to pay. Our research shows their top frustrations are card machines not working (40%), contactless failures (39%), and cash-only businesses (39%).

And it’s not just about reliability. The design of payment hardware matters too. Nearly half of UK adults (49%) say they feel awkward when it’s not immediately clear how to use a card machine.This doesn’t just slow down checkout, it creates anxiety at precisely the moment a customer should feel most confident.

That’s where Zeller comes in.

Zeller is an all-in-one payments and financial management solution built for merchants that want to spend less time thinking about payments, and more time running their business.

We built Zeller Terminal to remove everyday payment friction, with fast, reliable, thoughtfully-designed devices, which are packed with features that just work.

Zeller Terminal

Zeller Terminal is one of the most affordable and powerful card machines on the market, with Wi-Fi, SIM, and Ethernet so you stay connected. It comes with a free, built-in POS system that allows you to create an item library, build carts, apply discounts, as well as manage tipping, bill-splitting, and customise your screens and receipts.

All wrapped in an award-winning design built for modern businesses. And at just £99 plus VAT, with no monthly fees and no lock-in contracts, Zeller Terminal is great for both your business, and your bottom line.

Zeller Business Account

When you take payments through Zeller Terminal, funds settle nightly into your Zeller Business Account. Your account is ready to use from day one, with real-time visibility over your deposits and spending from the Zeller Dashboard or mobile app. No lengthy paperwork required, no waiting around.

If you prefer, you can also settle funds to your existing business bank account — which will arrive promptly the next business day. 

Zeller Debit and Expense Cards

Pay staff, suppliers, and business expenses directly from your Zeller Business Account using your free Zeller Debit Card. Issue and manage expense cards across your team, track spending by category, and keep your business finances separate and organised — all in one place.

Virtual cards can be issued immediately for instant spending, or you can order unlimited, free business debit cards — and even personalise them with your business logo and a name, too. 

If you need a more robust expense management solution, a Zeller Expense Card will offer you all the benefits of a Zeller Debit Card, and add in the ability to set recurring expense budgets, spend limits, and expense tracking. 

Zeller Invoices

 Whether your admin happens in an office or on the go, Zeller Invoices lets you create, send, and manage your invoices wherever you are. From Zeller Dashboard or Zeller App, you can create an invoice in under 30 seconds, then send it via email or SMS, and track its status in real time. 

Your customers can then pay securely online via card or mobile wallet, straight from the invoice. No app or login required. In fact, over 75% of Zeller Invoices are paid in under 24 hours.

Even more ways to get paid

Zeller Dashboard and App give you more ways to take payments and manage your money, from secure payment links to virtual terminals for taking payments over the phone.

And there’s more to come.

Built to work the way your business does

Zeller is built for flexibility. Use Zeller Terminal on its own, or alongside your existing business bank account. Or bring everything — payments, accounts, invoicing, expense management, and cards — into one fully integrated cash flow management system. 

No lock-in contracts. No hidden fees. And 24/7 support by phone, email, and SMS whenever you need it.

Zeller is open for business in the UK.

With over half (54%) of UK adults saying a good payment experience would make them more likely to return to, and recommend, a business. A good payment experience is not only memorable, but good business. Payments are the final moment of every customer journey. They deserve to be done well and Zeller is here to help.