Paymi vs Zeller

Paymi is an iOS app for eligible businesses, sole traders, and other entities to accept card payments with Tap to Pay on iPhone. Merchants can use an iPhone without an extra terminal or payment hardware. Customers can pay with major debit and credit cards, Apple Pay, or Google Pay. The app supports bill splitting, tips, automatic discounts and taxes, payment links, and real-time transaction views. Paymi uses Stripe Connect Standard accounts; Stripe manages processing, payouts, disputes, and chargebacks. Paymi says it does not collect or store card or banking information. Listed markets include the United States, Canada, Australia, New Zealand, the United Kingdom, and 16 European countries. Tap to Pay requires a supported payment app and the latest iOS, and may have transaction limits or unavailable markets. The Free plan has no subscription and charges a 1.2% Paymi application fee per transaction, plus Stripe fees. Pro plans have 0% Paymi application fees, while Stripe fees still apply. Pro pricing varies by App Store storefront; UK listings show £9.99/month or £79.99/year.

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.