Zeller vs. Zettle
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Pay less on your transactions
Zeller's fees are up to 26% lower than Zettle, depending on how you take payments.*
All-in-one payment solution
Zeller combines card payments, business account, invoicing and expense cards in one dashboard.
24/7 support
With 24/7 support, someone is there whenever something goes wrong.
Whether you're a new business, growing an existing one, or ready to trade up from Zettle to a payment solution with additional featurs, it's worth comparing Zeller with Zettle.
Zeller and Zettle both offer simple, contract-free ways to take card payments, but Zeller goes further. Where Zettle focuses on in-person card acceptance, Zeller offers lower transaction fees, a free business account, invoicing, expense cards and 24/7 support, all in one platform.
We've put the two side by side below to help you decide what works for your business.
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Compare Zeller and Zettle.
Zeller vs. Zettle
In-person payments
Zeller and Zettle both offer in-person card machines with built-in POS software. Zeller Terminal starts at £99 + VAT, with 4G built in as standard so you can take payments anywhere, no Wi-Fi needed. Both Zeller card machines include split payments, digital receipts, the ability to request tips, and the ability to customise your screensaver and receipts with your own branding.
Zettle Terminal also has 4G, but starts at £149 + VAT. For businesses that need to key in card details remotely, Zettle's manual card entry rate sits at 3.4% + 20p, and you'll need to have already taken a payment through a Zettle Card Reader before the feature becomes available. Zeller's equivalent MOTO rate for domestic Mastercard and Visa cards is 1.5%.*
Terminal
Zeller Terminal T1x: £99 + VAT
Zeller Terminal T2: £149 + VAT
PayPal Terminal: £149 + VAT
Split payments by amount
Request tips
Print receipts (dock and printer sold separately)
Detailed sales reports
Customisable receipts
Multi-user staff login, sales kept separate per staff member
Customer data recorded automatically
Wi-Fi and 4G connectivity
Free built-in POS software
Record cash payments
Chargeback fees covered up to £250 per month
Split payments by amount
Request tips
Print receipts (dock and printer sold separately)
Detailed sales reports
Customisable receipts
Multi-user staff login, sales kept separate per staff member
Customer data recorded automatically
Wi-Fi and 4G connectivity
Free built-in POS software
Record cash payments
Chargeback fees covered up to £250 per month
1.3% In-person payments (Visa and Mastercard)
1.99% in-person payments (all other cards)
1.5% MOTO payments (Visa and Mastercard)
1.75% In-person payments (Visa and Mastercard)
1.75% in-person payments (all other cards)
3.4% + 20p MOTO payments
4G/Wi-Fi/ethernet
4G/Wi-Fi/ethernet
Zeller vs. Zettle
Online payments
Zeller and Zettle take a different approach to invoicing. With Zeller Invoices, you can create, send and customise invoices for free. That includes adding your logo and brand colours, setting automated payment reminders, and tracking invoice status in real time from your Zeller Business Account.
Zettle Invoice also has no monthly fee and includes automatic reminders and free standard templates, but charges 2.5% per transaction on domestic cards.* Depending on your account setup, invoicing may appear as PayPal Invoice instead, with its own separate fee structure. Payment Links are listed at 2.5% on Zettle's pricing page.*
Invoices
1.5% on domestic cards
2.5% on domestic cards
Included free
3 existing templates
Included free
Included free
Schedule invoices
Add VAT in few taps
Customer and contact management
Xero integration
Add custom fields
Digital receipts
Add notes and important details
Schedule invoices
Add VAT in few taps
Customer and contact management
Xero integration
Add custom fields
Digital receipts
Add notes and important details
Virtual terminal
1.5% on domestic cards
3.4% + 20p on domestic cards
1.5% on domestic cards
2.5% on domestic cards
Key in and charge card payments from any browser
Send payments links via email or SMS
Assign payments to contacts and track customer history
Add transaction notes
Track payment status from your dashboard
Key in and charge card payments from any browser
Send payments links via email or SMS
Assign payments to contacts and track customer history
Add transaction notes
Track payment status from your dashboard
Zeller vs. Zettle
Business accounts
Zeller's debit card has no international spending fees; you pay the exchange rate, and nothing else, and you get unlimited physical and virtual debit cards as standard, not just one. Expense cards, customisable debit cards with your logo, Xero Bank Feeds integration and custom invoicing are all included from your free Zeller Business Account, with no upgrade required.
When you sign up for Zettle, you automatically create a PayPal Business account, and all your sales settle into your PayPal balance. From there you can access a PayPal Business Debit Mastercard, a single card tied to your PayPal balance.
Business Accounts
Unlimited free physical and virtual debit cards
Customisable debit and expense cards with your logo
Instant account creation
Real-time transfers
Expense management and Corporate Cards
Xero Bank Feeds integration
£0 international spending fees
No minimum balance
No transfer fees
Unlimited free physical and virtual debit cards (single PayPal Business Debit Mastercard only)
Customisable debit and expense cards with your logo
Instant account creation
Real-time transfers
Expense management and Corporate Cards
Xero Bank Feeds integration
£0 international spending fees
No minimum balance
No transfer fees
Free
Free basic
£19/month +VAT Payments Plus*
Unlimited free physical and virtual debit cards
Single PayPal Business Debit Mastercard
Real-time, £0 fee
Real-time Via PayPal
£0
£0
Zeller vs. Zettle
Other services
Zeller offers 24/7 support to all merchants via phone, email and SMS, included as standard with every account.
Zettle's support team is available 9am to 5pm on weekdays, with no 24/7 phone support published for any account tier.
Other services
Zeller Dashboard
Zeller App
Zettle Dashboard
Zettle App
Local support via phone, email and SMS 24/7
Phone, chat and email support, 9am to 5pm weekdays only
*This comparison reflects standard rates and features as of June 2026. Zettle's offering requires an existing PayPal Business account. Settlement times and rates are subject to account verification and eligibility. Contact each provider for full terms.
Zeller is trusted by over 100,000 businesses.
This company is proactive, efficient, their staff are courteous, kind and understanding. Setting it up was very easy and intuitive. Compared to the other company I tried they were miles better and much easier to deal with.
Zac
Merchant, Twickenham
State of the art card machines. Friendly, knowledgeable staff that are easy to access over the phone.
The fact there is no long contract is so refreshing!
Barry
Merchant, Beaconsfield
What a breath of fresh air these guys are. The terminals are lightweight, user-friendly and very intuitive. Overall, I'm really pleased with the support provided by Zeller. Here's to a long - lasting relationship. Keep up the good work.
Rob
Merchant, Manchester
Best company to work with. Terminal 2 is an amazing card machine and, most importantly, the funds reach your account within the same day. On top of that the customer service was spot on. Helped with everything I needed and went the extra mile.
Aristofanis
Merchant, Hull
How much could I save?
Enter your yearly turnover and email to see how much you could save with Zettle.
Why business choose Zeller over Zettle
Take payments for less with Zeller
Whether you're taking card payments in person, sending invoices, or getting paid remotely.
Lower transaction fees
Zeller's fees are up to 26% lower than Zettle, depending on how you take payments.*
24/7 support
With 24/7 support, someone is there whenever something goes wrong.
About Zeller
Founded in Australia in 2020, Zeller is a global financial services company that builds card machines and financial tools to help businesses accept payments, manage finances, and pay suppliers. In 2022, it became the fastest Australian startup to reach unicorn status, and has now launched its card machine and business account in the UK.
Zeller is levelling the playing field for UK businesses by offering cash flow management without the outdated systems, disconnected products, or restrictive contracts of traditional banks. By consolidating financial management into one online and mobile platform, you can track exactly where every pound goes.
Zeller supports merchants' growth with tools designed to improve efficiency and customer experience.
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About Zettle
Zettle is a Swedish financial technology company, founded in 2010 as iZettle. PayPal acquired the company in 2018, rebranding it to Zettle by PayPal in 2021, and more recently to PayPal Point of Sale.
It offers card readers, an all-in-one Terminal, and a free point-of-sale app for managing products, inventory, sales reporting, and staff performance. Zettle also provides invoicing and payment links for businesses taking payments remotely.
Zettle operates as part of PayPal's broader business tools, available to UK businesses alongside the wider PayPal ecosystem.
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Discover other Zeller products.
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In-person payments
Accept in-person payments securely and affordably with a Zeller Terminal.
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Take payments online
Zeller Invoices makes it simple for you to create, customise, track, send and get online invoices paid from anywhere.
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POS Lite
From cafes to retail stores, events to market stalls, Zeller POS Lite makes it easy for you to process sales, manage your inventory, and track sales efficiently.
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