Zeller
AU-built EFTPOS terminal and fee-free business account with a flat 1.4% tap rate. Clean hardware, quick settlements. No invoicing or online payments though, you'll still need Stripe for that.
Starting from
Quote
Free trial
No
Free plan
Yes
Overall rating
4.4/5 (95)
“Clean, simple tap-and-go payments without the hassle of a bank merchant facility. The flat rate is easy to understand, but it's not cheaper than a negotiated bank rate once your volume grows.”
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Overview
Zeller is an Australian fintech offering a business transaction account and EFTPOS terminal designed as a modern alternative to the big four banks. Founded in Melbourne in 2020 by former Square and NAB executives, Zeller has grown rapidly by combining fee-free business banking with competitive card payment processing.
The Zeller Terminal ($199 one-off or $0 on a rental plan) accepts tap-and-go, chip, and mobile wallet payments at a flat 1.4% rate for domestic cards. Settlements land in your Zeller Transaction Account the next business day, or instantly if you pay for the Instant Settlements add-on. The transaction account itself has no monthly fees, includes a Mastercard debit card, and offers basic cash flow management tools.
Strengths: The flat 1.4% domestic rate is competitive with Square and undercuts most traditional bank merchant facilities. The terminal hardware is modern and reliable. Having payments and banking in one place simplifies cash flow management. No lock-in contracts. You can cancel anytime.
Limitations: Zeller is a payments and banking platform, not a business management tool. There's no invoicing, quoting, or job management, you'll need separate software for those. The transaction account is functional but basic compared to a full business bank account. International card fees (2.2%) are higher, and the EFTPOS-only focus means no online payment gateway for invoice payments (you'll still need Stripe or similar for that).
A strong option for tradies who want a simple, modern tap-and-go terminal without the complexity of a traditional bank merchant facility.
Pros & Cons
What we like
- ✓Flat 1.4% domestic rate is competitive and transparent: no hidden fees
- ✓Fee-free business transaction account included
- ✓Terminal hardware is modern, reliable, and portable for site work
- ✓No lock-in contracts, cancel anytime
- ✓Next-business-day settlements keep cash flow moving
Watch out for
- ✕EFTPOS terminal only: no online payment gateway for invoice payments
- ✕Transaction account is basic, not a full business banking replacement
- ✕International card rate (2.2%) is on the higher side
- ✕No invoicing, quoting, or job management, payments only
- ✕Relatively new company, track record is shorter than established banks
Best for
Sole traders and small trade businesses who want a straightforward, modern EFTPOS terminal with competitive rates and no bank merchant facility hassle.
Not ideal for
Businesses that need online payment links on invoices (Stripe is better for that). Anyone wanting a full-featured business bank account with lending and credit facilities.
Key Features
Frequently Asked Questions
Ratings
95 reviews
Source: Capterra
Checked April 2026
Pricing
No monthly fees
One-off cost, or $0 upfront on rental
Transaction account is free. Terminal is $199 one-off or available on rental. 1.4% per domestic tap, 2.2% international. Verify current rates at zeller.com.
Technical
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