Zeller offers simple flat-rate payments with no monthly fees. But like Square, the rate is fixed — no volume discounts, no negotiation. We compare Zeller to alternatives.
What Zeller actually charges Australian merchants in 2026.
Zeller charges 1.4% on all card transactions — Visa, Mastercard and eftpos. The rate does not vary by card type, transaction size or monthly volume.
No monthly rental charge. The Zeller Terminal 2 is purchased outright (~$299) or on a pay-monthly plan. There is no ongoing terminal fee beyond the purchase.
Zeller does not lock you into a long-term contract. You can stop using the service at any time. This is a genuine advantage over providers like Tyro.
Zeller also offers BNPL, business transaction accounts and Zeller debit cards. For businesses that want banking and payments under one roof, this is part of the value proposition.
Zeller has a clean UI and simple onboarding. It is popular with cafés, boutiques and small retail businesses that want to get set up quickly without technical complexity.
No negotiation on rate regardless of volume. Whether you process $5,000/month or $500,000/month, 1.4% is 1.4%. There is no volume discount pathway with Zeller.
How Zeller compares to other payment providers in Australia.
| Provider | Rate | Terminal Fee | Monthly Fee | Lock-in | Negotiable | Best For |
|---|---|---|---|---|---|---|
| Zeller | 1.4% flat | $0 (terminal purchase) | $0 | No | No | Small café, retail, startup |
| Square | 1.6% flat | $0 | $0 | No | No | Low volume |
| Tyro | 1.2–1.8% blended | $29–$49/mth | $0 | 3yr common | Rarely | Mid-size retail |
| UrPay Recommended | 0.85–1.4% negotiated | $0 | $0 | No | Yes — always | Any size, 500+ POS |
At volumes under $15K/month, the difference between 1.4% and a negotiated rate is modest — Zeller's simplicity may outweigh the cost.
If you prefer predictable flat-rate pricing and don't want to spend time negotiating, Zeller's simplicity is a real benefit.
If the Zeller business account, debit card or BNPL features are useful to your business, the bundled value changes the calculation.
At $30K/month, 1.4% = $420/month. A negotiated rate of 0.95% = $285/month. That $135/month difference adds up to $1,620/year — for the same service.
Zeller integrates with a limited set of POS systems. If you use specialist POS software for hospitality, health or retail management, check compatibility carefully.
From 1 October 2026, you absorb the 1.4% directly. At $50K/month that is $700/month. A provider willing to negotiate could save you $150–$250/month of that.
Takes 2 minutes. No obligation. We'll show you the actual numbers for your volume.