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Zeller Transaction Account

The business merchant account that’s smarter than a bank.

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Manage your finances online with a fee-free merchant account.

Zeller Transaction Account is included free when you sign up for Zeller. Your fee-free merchant account is instantly ready to use — no lengthy paperwork required.

Sign up free
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Fast settlements

Customer payments are settled to your business merchant account the same day.

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Complete online control

Get real-time visibility of settlements and card payments across every business location and terminal.


Organised finances

Set up separate Zeller Transaction Accounts to easily track and manage business spending.



A powerful merchant account.


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Online set-up

Open your free Zeller Transaction Account in minutes, and without needing to visit a bank.

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Manage cards

Activate Zeller Debit Card and order additional cards for employees right from your Zeller Dashboard.

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Track expenses

Break down incoming and outgoing payments, and categorise transactions for greater spending visibility.

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Online transfers

Transfer money between Zeller Transaction Accounts and third-party bank accounts quickly and securely.


Xero integration

Seamlessly feed Zeller transactions into your Xero account, for better bookkeeping. 

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Mobile account management

A mobile merchant account means goodbye to bank branches, and hello to easier cash flow.


How Zeller's merchant services work

Merchant services gives you a Payment Terminal, Merchant Account, and Business Debit Card, all in one box. 

Sign up free
Accept payments

Accept payments

Give your customers choice by accepting more cards and payment types. Zeller Terminal works whether you’re selling at the counter or on-the-go.

Accept payments with Zeller

Get your money fast

Get your money fast

Sweep funds to any existing bank account for next business day access, or get funds even faster by settling in to your free Zeller Transaction Account.

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Manage your spending

Manage your spending

Track your spending and manage your money with a free merchant account, then put it to work with your free Zeller Debit Card.

The Zeller Debit Card
Only use the parts you need

Only use the parts you need

Zeller’s products work just as powerfully together as they do alongside your existing financial services products, so you can choose which parts you need.

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Clear pricing
with no surprises.

We’ll never surprise you with a long list of bank account fees — and will never ask you to sign a contract, either.

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Zeller Transaction


Zeller Merchant Account is instantly ready to use after sign-up with no additional paperwork.

Monthly &
Transaction Fees


No account fees and no fees on domestic purchases. A margin is included in our low FX rates for international purchases.

Smarter contact and
customer management.



Zeller Contact Directory is your central hub to manage every business relationship with smarter contact and customer management tools, all within your Zeller Transaction Account.

  • See every payment, transactions and account transfers to or from a specific contact at a glance, in one location. 

  • Store customer or contact details for people and businesses you regularly transfer funds to.

  • View rich details and information for businesses you've spent at with your Zeller Debit Card, for smarter spend management.

Learn more

Securing your merchant
account is our business.

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We are committed to improving upon and exceeding industry-leading security standards to keep your business financial data safe — and never passing the cost of managing this on to you.

  • Your funds are held securely and can be accessed whenever you need. They’re never invested or lent to anyone else.

  • Zeller’s security and procedures are based on the highest international standards, including PCI Level 1 compliance.

  • Account data is protected behind multiple layers of encryption and authentication.

  • Two-factor authentication is enabled on all merchant accounts for added protection.

Learn more

Trusted by over 20,000 Australian businesses.

I've learned that cash flow and people are critical for success. We're a company that believes in simplicity and timely management of our funds, so Zeller's fast settlement removes stress and keeps things straightforward.”

Aaron Taylor, Rush Escape Game, Melbourne

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We’re here to help.

Online Support Centre

Search our library of resources to find quick solutions to your questions.

Visit the Support Centre

Ask a question

Send a tweet, or post a question to Facebook to get answers in real-time.

Australia-based support

Phone, live chat or email us Monday to Friday, 9am to 1am Australian Eastern Time.

Speak to the Support Team

The Zeller Business Blog

Guides, tips and merchant success stories to help you navigate your business.

Read the Blog
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Custom rates for
larger businesses.

If you process over $250K of card transactions annually, we can design a custom pricing solution that works for you. Call the Zeller sales team to speak about your business.

Phone 1800 935 537
Monday to Friday
9am to 5pm Australian Eastern Time

Leave your details, we'll be in touch


What is a merchant account?

What are the benefits of a merchant account?

How do merchant accounts work?

How do I get a merchant account?

How much does a merchant account cost?

Learn How A Merchant Account Can Help Your Growing Businesses