Zeller

Overview

Zeller is an Australian payment service provider that combines in person card acceptance, remote payments, business accounts, and expense cards in one ecosystem. Merchants can buy an EFTPOS terminal outright, accept payments at a flat in person rate, issue invoices and payment links, and settle funds to a free Zeller Transaction Account or to an external bank.

What Zeller Offers

In Person Card Acceptance

• Terminals: Zeller offers two Android EFTPOS terminals that you purchase outright, not rent.

  • Terminal 1 is the entry device.

  • Terminal 2 adds a larger screen and an embedded, no cost POS app called Zeller POS Lite that lets you set up items, apply discounts, send itemised receipts, and view basic sales reports.

• Tap to Pay on Phone: With the Zeller App, supported iPhones and Android devices can accept contactless cards and wallets without a separate terminal.

• Connectivity: Wi Fi, optional SIM for mobile data, and Ethernet via dock on supported models.

• Digital Receipts: Email, SMS, and QR code receipts are supported.

Remote And Online Payments

• Invoices: Create and send online invoices with a hosted card checkout.

• Payment Links: Generate links to request card payments without a website.

• Virtual Terminal: Key in customer card details in a browser for phone or mail orders.

• Xero Invoices: If you send invoices from Xero, customers can pay via online checkout and the data can reconcile through Xero Bank Feeds.

Accounts And Cards

• Transaction Account: A free business account with BSB and account number for receiving settlements and bank transfers.

• Debit Card: Physical and virtual business debit cards tied to your Transaction Account.

• Corporate Cards: Optional per user cards with controls and expense tracking.

Integrations And Developer Options

• POS Integrations: Out of the box integrations with many Australian POS platforms across hospitality and retail.

• Accounting: Direct integration with Xero for invoice payments and bank feeds.

• Developer Suite: SDKs and APIs to connect POS software to Zeller Terminal and to embed Zeller payments in apps. eCommerce and Tap to Pay SDKs are noted as coming soon or available via access.

Settlement, Reconciliation, And Reporting

• Settlement speed:

  • Funds settle nightly, 365 days a year to a Zeller Transaction Account, with availability the same day.

  • Settlements to an external bank account generally arrive next business day. National and New South Wales bank holidays can affect timing.

• Reconciliation:

  • Xero Bank Feeds pull Zeller transaction and settlement data into your ledger for matching.

  • Zeller Dashboard and the Zeller App provide reports by transaction, card, account, site, and contact.

Card And Wallet Acceptance

• Supported: Visa, Mastercard, eftpos, American Express, JCB, Apple Pay, and Google Wallet.

• Not supported: Diners Club and UnionPay are not currently accepted on Zeller Terminal.

• Tap to Pay device requirements:

  • iPhone: iPhone XS or later on iOS 16.4 or later.

  • Android: Android 10 or higher with built in NFC.

Security, Compliance, And Support

• PCI DSS: The provider states PCI DSS Level 1 compliance across products with end to end encryption and continuous monitoring.

• Operational protections: 24 by 7 fraud and chargeback monitoring, plus dedicated chargeback support.

• Regulatory: Zeller Australia Pty Ltd holds AFSL No. 534281. Product terms, PDS, and legal information are published on the site.

• Support: 24 by 7 support via phone, email, and SMS. Service status is public.

Where Zeller Operates

• Availability: The provider supports businesses across all Australian states and territories.

• Eligibility: Your business must be physically located in Australia to accept payments with a Zeller terminal. The Zeller Mastercard can be used internationally where Mastercard is accepted.

Hardware Options In Detail

Terminal 1

• Entry price point at $99.

• Portable form factor with Wi Fi and optional SIM connectivity.

• Suited to counter or mobile use where a simple, low cost reader is needed.

Terminal 2

• $199 to buy, with a 6.5 inch touch display and a streamlined interface.

• Zeller POS Lite built in at no additional cost, for managing basic items, discounts, and sales.

• Digital first receipts via QR code, email, or SMS.

• Designed for micro and small merchants that want an all in one POS and payments device without extra POS hardware.

Integrations And Ecosystem Fit

• POS partners: The provider lists integrations across major Australian hospitality and retail POS platforms, including Lightspeed, Impos, H&L, Tevalis, and others. If you already use a POS, check the Zeller Partner Hub to confirm compatibility and set up.

• Accounting: Xero support covers invoice payments through Zeller’s checkout and automatic bank feeds for reconciliation. There are no additional Zeller integration fees.

• Developer access: The Developer Suite offers SDKs and APIs for Terminal integrations and in app payments. Access is by request.

Who Zeller Suits

Zeller is a fit for Australian merchants that want to own their terminal hardware outright, prefer predictable flat rate pricing, and value fast settlement to a bundled business account. It is particularly attractive to:

• Mobile and pop up sellers using Tap to Pay on phone or a low cost terminal with optional SIM.

• Cafes, quick service, and small retailers that can rely on the free POS Lite on Terminal 2 or connect a supported POS.

• Service businesses that send invoices or payment links and want same day access to funds in a linked account.

Merchants with advanced ecommerce gateway requirements can explore Zeller’s Xero invoice flow in the short term and monitor the Developer Suite for online and eCommerce SDK availability.