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Zeller

myzeller.com

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Spec score 8.6 #3 of 27 in Mobile Payment Processing Software

What it is

Zeller combines business payments, accounts, cards, invoicing, and financial reporting in a platform for businesses. Its POS includes item and inventory management, receipt and kitchen docket printing, discounts, refunds, and real-time sales reporting. Businesses can create and send unlimited online invoices without a monthly subscription fee, or use a browser-based virtual terminal to key in card payments and create free payment links. Listed in-person rates are 1.3% for Visa and Mastercard and 1.99% for other cards. The POS software and Business Account, app, and dashboard are each listed at free; POS use requires a Zeller Terminal and transaction fees apply. Zeller also lists Expense Cards at £5 a month (first card free) and a terminal at £99, paid once, excluding VAT. Kitchen display, tabs, table mapping, inventory tracking, and complex order routing are marked as coming soon. The service is available on Android, iOS, and web, with 24/7 phone, email, and SMS support.

Spec sheet

What it does
Zeller combines card acceptance, invoicing, business accounts, debit/expense cards and financial reporting for businesses.Read 15 Oct 2026 · myzeller.com
Security
Zeller states that payments use encryption, PCI DSS controls, security assessments, staff training and recurring compliance audits.Read 15 Oct 2026 · myzeller.com
Support
Zeller advertises 24/7 support by phone, email and SMS with articles covering payments, accounts, terminals, integrations, reports, disputes and POS.Read 15 Oct 2026 · myzeller.com
Headquarters
Melbourne, AustraliaRead 28 Sep 2026 · myzeller.com
Founded
2021Read 28 Sep 2026 · myzeller.com
Accounting integration
Xero synchronization is free; the support page says MYOB, QuickBooks and Reckon require manual uploads.Read 15 Oct 2026 · myzeller.com
Business finance platform
Zeller brings together business payments, accounts, cards, invoicing, and financial reporting.Read 3 Oct 2026 · myzeller.com
Card payments
The pricing page lists in-person Visa and Mastercard payments at 1.3%, with other cards at 1.99%.Read 3 Oct 2026 · myzeller.com
Coming soon features
The POS page labels kitchen display, tabs, table mapping, inventory tracking, and complex order routing as coming soon.Read 3 Oct 2026 · myzeller.com
Company history and headquarters
Zeller says it was formed in 2020 and is headquartered in Melbourne, Australia.Read 3 Oct 2026 · myzeller.com
Company legal name
The Australian registry identifies the maker as Zeller Australia Pty Ltd, ABN 14 649 001 383.Read 15 Oct 2026 · abr.business.gov.au
Company name
The UK site identifies the provider as Zeller UK Limited, registered in England and Wales.Read 3 Oct 2026 · myzeller.com
Company profile
LinkedIn lists Zeller as privately held, founded in 2020, headquartered in Melbourne and employing 201–500 people.Read 15 Oct 2026 · linkedin.com
Developer APIs
The Developer Suite provides Terminal, online-payment and Tap-to-Pay APIs and SDKs, with eCommerce marked as coming soon.Read 15 Oct 2026 · myzeller.com
Developer documentation
SDK and API documentation becomes available after creating a free Zeller Developer account.Read 15 Oct 2026 · myzeller.com
Funding
TechCrunch reported a A$100 million Series B in March 2022 at a valuation above A$1 billion.Read 15 Oct 2026 · techcrunch.com
Intended customers
Zeller Business Accounts are listed as suitable for sole traders, limited companies, general partnerships and LLPs, and trusts.Read 3 Oct 2026 · myzeller.com
Licence
The SDK EULA describes a proprietary licence with restrictions on reverse engineering and redistribution, so it is not open source.Read 15 Oct 2026 · myzeller.com
Limit: account holds
Trustpilot complaints include frozen accounts, delayed settlements and funds held while extra documentation was requested.Read 15 Oct 2026 · trustpilot.com
Limit: customization
G2 reviewers report limited customization and difficulty integrating with some HR, payroll or benefits systems.Read 15 Oct 2026 · g2.com
Limit: integration gaps
A GetApp review notes that missing direct QuickBooks integration can require manual reconciliation.Read 15 Oct 2026 · getapp.com
Limit: older technology
G2 reviewers say older operating systems or less modern environments may not work well with Zeller.Read 15 Oct 2026 · g2.com
Notable news: design award
Zeller reported that Terminal 2 won Fast Company’s 2026 Innovation by Design award for Best Design in Asia Pacific.Read 15 Oct 2026 · linkedin.com
Notable news: Developer Suite
Zeller announced its Developer Suite on 8 September 2025, including SDK/API integrations used by The Cheesecake Shop across 220 stores.Read 15 Oct 2026 · myzeller.com
Online invoices
Zeller says users can create and send unlimited online invoices without a monthly subscription fee.Read 3 Oct 2026 · myzeller.com
PCI status
Zeller Terminal is described as PCI Level 1 compliant with PCI-DSS certification and 24/7 fraud monitoring.Read 15 Oct 2026 · myzeller.com
Point of sale
Zeller POS includes item and inventory management, receipt and kitchen docket printing, discounts, refunds, and real-time sales reporting.Read 3 Oct 2026 · myzeller.com
POS
Zeller POS is free to run without a subscription, licence fee, lock-in contract or cancellation charge.Read 15 Oct 2026 · myzeller.com
POS capabilities
The POS supports catalogue import, inventory, discounts, variable pricing, manager PIN overrides, notes, refunds, staff access and real-time reporting.Read 15 Oct 2026 · myzeller.com
POS hardware
Zeller POS runs on iPad or Android tablets and can connect to receipt printers and cash drawers.Read 15 Oct 2026 · myzeller.com
POS integrations
Officially listed integrations include Xero, Zii, Oracle Simphony, Tevalis and Redcat.Read 15 Oct 2026 · myzeller.com
Praise: pricing
G2 and Trustpilot reviewers commonly praise low or transparent fees and the absence of monthly contracts.Read 15 Oct 2026 · trustpilot.com
Praise: support
Trustpilot reviewers frequently describe support staff as helpful, prompt and easy to reach.Read 15 Oct 2026 · trustpilot.com
Praise: usability
G2 reviewers repeatedly describe the interface as easy to navigate and the system as simple to learn.Read 15 Oct 2026 · g2.com
Rating on Apple App Store
4.8 out of 5 from 1.1K ratingsRead 15 Oct 2026 · apps.apple.com
Rating on G2
4.4 out of 5 from 10 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
4.7 out of 5 from 12 reviewsRead 15 Oct 2026 · getapp.com
Rating on Trustpilot
4.1 out of 5 from 345 reviewsRead 15 Oct 2026 · trustpilot.com
SDK platforms
Zeller lists SDK support for React, React Native, Windows .NET, Android and iOS.Read 15 Oct 2026 · myzeller.com
Self-hosting
The published SDK terms provide no self-hosting right and require integrations to operate with Zeller software.Read 15 Oct 2026 · myzeller.com
System requirements
The app support page lists iOS 13 or newer and Android 6 or newer for Zeller App.Read 15 Oct 2026 · myzeller.com
Tap to Pay requirements
Tap to Pay requires iPhone XS or later with iOS 16.4+ or an NFC Android device on Android 10+; Windows and laptops are excluded.Read 15 Oct 2026 · myzeller.com
UK regulation and safeguarding
Zeller UK Limited says it is FCA-authorised for payment services and that customer funds are safeguarded in segregated accounts; Zeller Business Accounts are not covered by the FSCS.Read 3 Oct 2026 · myzeller.com
Virtual terminal
The virtual terminal lets businesses key in card payments from a browser, with free payment links.Read 3 Oct 2026 · myzeller.com
Xero integration
Zeller Bank Feeds automatically imports transactions from a Zeller Business Account into a Xero organisation.Read 3 Oct 2026 · myzeller.com

Plans and prices

Zeller Business Account Free no monthly fee £0 minimum balance · £0 setup · £0 transfers Read 15 Oct 2026 · myzeller.com
Zeller Business Account, app, and dashboard Free Free to sign up; no monthly fees or subscriptions. No minimum balance · unlimited free accounts · free transfers Read 3 Oct 2026 · myzeller.com
Zeller Debit Card Free no annual or transaction fee unlimited physical and virtual cards Read 15 Oct 2026 · myzeller.com
Zeller POS Free Free to download and run; no monthly subscription or software licence fee. Requires a Zeller Terminal · transaction fees apply Read 3 Oct 2026 · myzeller.com
In-person payments £1.30 a month per transaction; 1.99% other cards no subscription · no minimum volume Read 15 Oct 2026 · myzeller.com
MOTO payments £1.50 a month per domestic Visa/Mastercard transaction; 2.4% other cards virtual-terminal/manual card entry Read 15 Oct 2026 · myzeller.com
Online invoice payments £1.50 a month per domestic Visa/Mastercard transaction; 2.4% other cards £0 subscription · unlimited invoices · free settlement Read 15 Oct 2026 · myzeller.com
Virtual terminal £1.50 a month per domestic Visa/Mastercard transaction; 2.4% other cards £0 subscription · unlimited payment links · free settlement Read 15 Oct 2026 · myzeller.com
Expense cards £5 a month per additional card, ex VAT first card free · £0 transaction/software/report fees Read 15 Oct 2026 · myzeller.com
Zeller Expense Cards £5 a month £5/card per month (ex VAT); first card free. Additional cards incur a monthly card fee · no software fee Read 3 Oct 2026 · myzeller.com
Zeller Terminal 1x £4,999, paid once ex VAT hardware purchase · no monthly fee · 1.3% domestic Visa/Mastercard transactions Read 15 Oct 2026 · myzeller.com

Every Zeller plan and price →

Strong points and limits

Strong points

  • Business Account, app, and dashboard listed at free.
  • Unlimited online invoices without a monthly subscription fee.
  • POS includes discounts, refunds, and real-time sales reporting.
  • 24/7 support by phone, email, and SMS.

Limits

  • POS requires a Zeller Terminal; transaction fees apply.
  • Kitchen display and table mapping are coming soon.
  • Business Accounts are not covered by the FSCS.
  • Expense Cards cost £5 a month after the first card.

Who it suits

Zeller suits businesses looking to combine payments and financial tools, including sole traders, limited companies, partnerships, LLPs, and trusts. Its POS and invoicing tools may fit businesses that take card payments or bill customers online.

Zeller in depth

Read the full write-up

Zeller combines business accounts, card acceptance, invoicing and financial reporting, making it a good fit for small businesses that want these functions under one provider. Its software has no monthly subscription fee, but payment processing costs and the terminal requirement for POS shape the real cost.

It is most compelling for businesses that can use its account and POS tools as they are, rather than relying on advanced restaurant workflows still marked as coming soon.

Overview

Zeller brings business payments, accounts, cards, invoicing and financial reporting together. Its Business Account, app and dashboard are free to sign up for, with no minimum balance, unlimited free accounts and free transfers. The POS software is also free to run, but it requires a Zeller Terminal and transaction fees apply.

Zeller says it was formed in 2020 and is headquartered in Melbourne, Australia. In the UK, the provider is Zeller UK Limited, authorised by the FCA for payment services. Customer funds are safeguarded in segregated accounts, but Zeller Business Accounts are not covered by the FSCS.

Key features

For in-person payments, Zeller accepts Visa, Mastercard, American Express, eftpos, JCB, UnionPay, Apple Pay and Google Pay. Visa and Mastercard transactions are priced at 1.3%; other cards are 1.99%. That distinction makes Zeller more attractive to businesses whose customers mainly use Visa or Mastercard than to those expecting a larger share of other cards.

Online invoicing supports unlimited invoices without a monthly subscription fee. The browser-based virtual terminal lets a business key in card payments, while payment links are free. Together, these options suit businesses taking payments remotely without a monthly software charge, though processing fees still apply.

Zeller POS includes item and inventory management, receipt and kitchen docket printing, discounts, refunds and real-time sales reporting. Kitchen display, tabs, table mapping, inventory tracking and complex order routing are marked as coming soon, so businesses that depend on those workflows should not treat the current POS as a complete restaurant system.

Zeller Bank Feeds imports transactions from a Zeller Business Account into a Xero organisation, which can reduce manual transaction entry for Xero users. Named third-party POS integrations include Zii, Oracle Simphony, Tevalis and Redcat. Zeller says its payment systems encrypt card data during processing and follow PCI DSS standards. Support is available 24/7 by phone, email and SMS.

Pricing

The free Business Account, app and dashboard include unlimited free accounts, free transfers and no minimum balance. The free POS plan has no monthly subscription or software licence fee, but requires a Zeller Terminal and still incurs transaction fees. Those plans keep recurring software costs down, but do not remove the cost of taking card payments or the hardware needed to run POS.

A Zeller Terminal 1x costs £99, paid once, excluding VAT. There are no monthly fees for the terminal, but payment processing fees apply. Businesses using expense cards pay £5 a month (billed £5/card per month (ex VAT)); the first card is free, while each additional card incurs a monthly fee. This is a separate recurring cost to weigh against the convenience of issuing cards to staff.

Platforms

Zeller runs on Android, iOS and the web. Tap to Pay is supported, and payouts are next day. Offline payments are not supported, so businesses that need to continue taking payments without connectivity should look elsewhere.

Who it's for

Zeller Business Accounts are suitable for sole traders, limited companies, general partnerships, LLPs and trusts. The combination of free account software, invoicing and POS makes it a practical candidate for businesses consolidating everyday finance and payment tools, particularly those whose card mix aligns with the lower Visa and Mastercard rate.

It is a weaker fit for businesses needing offline acceptance, or restaurants that require kitchen display, tabs, table mapping or complex order routing now. The POS terminal requirement also makes it less suitable for a business seeking software-only point of sale.

Pros and cons

Pros: The account and POS software have no monthly subscription fee, which limits fixed software costs.

Pros: Unlimited online invoices and free payment links provide remote payment options without a monthly subscription.

Pros: Next-day payouts and 24/7 phone, email and SMS support suit businesses that need frequent access to funds and support outside standard office hours.

Cons: POS requires a terminal, and the listed Zeller Terminal 1x costs £99, paid once before VAT.

Cons: Processing is not free: Visa and Mastercard are 1.3%, while other cards are 1.99%.

Cons: Offline payments are not supported, and several restaurant-oriented POS functions remain marked as coming soon.

Cons: UK Business Accounts are not covered by the FSCS, despite the stated safeguarding of customer funds.

Alternatives

PayPal Invoicing is worth considering if invoicing is the priority: its free plan lets users create and send invoices without setup or subscription fees, with transaction fees when customers pay.

PayAnywhere may suit businesses comparing mobile payment processing, with listed rates of 2.69% for swipe, dip or tap and 3.49% + $0.19 for keyed transactions.

Helcim is another payment-processing option; its free plan has no account monthly fees, with interchange-plus transaction rates that vary by volume and payment type.

Lopay may appeal to businesses seeking a free plan with unlimited team members and Thursday bank payouts.

SwipeSimple offers a $0 processing option for eligible businesses whose card-paying customers cover a 3.5% card fee.

Clover Go is an alternative for businesses willing to contact sales about its Starter or Essentials plans.

Enterprise! is another paid option to compare.

NAB Easy Tap may suit businesses seeking pay-as-you-go acceptance without setup or terminal hardware fees for eligible Visa, Mastercard and eftpos transactions.

For more options, see Mobile Payment Processing Software or Food Truck POS Software.

Verdict

Choose Zeller if you want a no-monthly-fee business account and POS software alongside invoicing and card acceptance, and you are comfortable buying a terminal and paying processing fees. Look elsewhere if offline payments or advanced restaurant workflows are essential, or if the FSCS protection distinction matters to your UK business.

Verdict

Zeller brings several business payment and finance functions together, with free-listed account and POS software. Check the terminal requirement, card processing rates, and coming-soon POS functions against your needs.

Where Specifiction places it

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