How much does Zeller cost?

Zeller ecosystem

It’s free to sign up for Zeller.

There are no set-up fees, monthly fees, or lock-in contracts.
You’re only charged when you accept a payment.

In-person payments.

Accept in-person payments with Zeller Terminal.

In-person payments

1.3%

Excludes American Express. Even lower rates for larger businesses.

Other cards

1.99%

For American Express, business and international cards.

MOTO payments

1.5%

For domestic Mastercard and Visa cards.

Zeller Terminal

£99

Ex VAT. No monthly fees or hidden charges.

VisaMastercardAmerican ExpressApple PayGoogle Pay

Online Invoice payments

Accept online invoice payments with Zeller or Xero Invoices.

Subscription fee

£0

No monthly invoicing subscription fees.

Send online invoices

Free

Create and send unlimited online invoices.

Invoice transaction fee

1.5%

For domestic Mastercard and Visa cards.

Settlement fee

Free

Get your funds as fast as the next day.

Virtual Terminal payments

Key in and charge card payments securely from any browser.

Subscription fee

£0

Free to use, with no monthly subscription fees.

Payment links

Free

Send unlimited payment links via email or SMS.

Transaction fee

1.5%

For domestic Mastercard and Visa cards.

Settlement fee

Free

Get your funds as fast as the next day.

Business Accounts

Switch to a better business financial solution.

Zeller Business Account

Free

Business Accounts are free, with no monthly fees.

Minimum balance requirements

£0

No minimum monthly balance required.

Account setup fee

£0

It's free to sign up for your Zeller Business Account.

Transfer fees

£0

Free, unlimited real-time fund transfers.

Debit Cards

Streamline your business spending.

Zeller Debit Card

Free

Free, unlimited physical business debit cards.

Virtual cards

Free

Issue free, unlimited virtual business debit cards.

Annual card fees

£0

No recurring annual fees or hidden charges.

Transaction
fees

£0

Just the exchange rate, no hidden fees.

Expense Cards

Manage and track team or project expenses with Zeller Expense Cards.

Monthly card fee

£5

Try your first card free. Additional cards cost £5 per card, per month. Ex VAT.

Transaction fees

£0

Just the exchange rate, no hidden fees.

Software fees

£0

No costly expense management software fees.

Report download fees

£0

Access spend reports from Zeller App or Dashboard.

Everything’s included.

Sign up free, then discover everything that comes with your new Zeller Account.

Accept payments

Accept card payments, virtual terminal, and online invoice payments with flat-rate pricing for all cards.

Learn more

Debit and Expense Cards

Issue unlimited, free business debit cards, or create expense cards to manage and track team expenses. 

Learn more

Financial reporting

Report by transaction, card, account, site or contact from Zeller Dashboard or in the Zeller App.

Learn more

Business Accounts

Unlimited free accounts, fast real-time transfers, and no monthly fees.

Learn more

Xero Integration

Get paid and manage your finances for free with Zeller's integration with Xero.

Learn more

24/7 support

Speak to our team via phone, email and SMS, plus dedicated fraud and chargeback monitoring.

Learn more

Unlock a lower transaction fee

Speak with Zeller Sales about a custom pricing package.

Get started in minutes

You'll have access to every Zeller product instantly.

Sign up free
Zeller - Merchant and Laptop, restaurant tabletop

Frequently Asked Questions

Zeller Terminal starts at £99 to purchase, ex. VAT. You can buy card machines online from the Zeller Shop, with free express shipping across the UK.

You can buy a payment terminal online exclusively from the Zeller Shop — we’ll ship it to you, fast and for free, anywhere in the UK.

There are no monthly card machine rental fees to use Zeller. Our pricing is clear and transparent — purchase Zeller Terminal and then it's yours to own. Then pay just 1.3% per in-person card payment (Visa and Mastercard).

There is no minimum monthly transaction volume required by Zeller in order to avoid additional fees. We will not penalise your business for processing a lower volume of transactions. Perfect for businesses of all sizes.

American Express cards are charged at 1.99% with Zeller Terminal.

Zeller Business Account and Zeller Debit Cards are free to use. They're both included right in the box with Zeller Terminal.

Zeller Terminal does not currently accept Diners Club cards.

For MOTO payments (also known as over-the-phone payments), Zeller’s processing fee is 1.5%

MOTO (Mail Order and Telephone Order) payments are accepted at a higher risk than in-person card payments, where the card is present and the cardholder’s identity can be easily verified. The cost to process a MOTO transaction is slightly higher to reflect the cost of security measures required to protect against fraudulent transactions.

Your business may be eligible for an even lower custom rate if you process over £75k annually in card payments through your payment terminal. Contact Zeller Sales to enquire here.