Zeller Review Australia 2026
Best Low-Cost EFTPOS for Australian Small Business
Zeller still publishes the lowest flat in-person rate here (1.4% incl. GST; 1.2% for integrated Zeller POS) with $0 monthly software. Terminals are $99 promotional / $199 standard, and POS Lite is now on both 1x and 2 — not Terminal 2 only. It is AU-made, not evidenced as AU-only hosted. Use it for cheap EFTPOS and a simple item library; not as a Lightspeed inventory or Square retail-plus substitute.
- Best for
- Small retail, cafés, market stalls, tradies, service businesses, and any merchant wanting the lowest card rate with no monthly fees.
- Not ideal for
- Multi-location retailers, complex hospitality venues, businesses needing advanced inventory management or detailed reporting.
Some links to Zeller may be affiliate links. If you buy or sign up, SoftwareHQ may earn a commission at no extra cost to you. That does not change this editorial score. Affiliate disclosure
Overview
Zeller is au-made eftpos and pos in one device. Founded in 2020 and headquartered in Melbourne, VIC, it serves Australian businesses with local data hosting and AU-based support.
Feature highlights
These highlights come from vendor documentation and editorial analysis of public sources. They are not firsthand test results or a claim that every listed capability was exercised in a trial.
- 1.4% Flat Rate — All Cards
1.4% incl. GST in-person for Visa, Mastercard, eftpos, Amex and other listed brands. 1.2% when using Zeller POS integrated with Terminal. MOTO 1.7%.
- POS Lite on Terminal 1x and Terminal 2
Free built-in POS on both terminals (8 Sep 2026). Item library, variants, modifiers, discounts, cash sales. Vendor blog: up to 90,000 items. Not a multi-location inventory suite.
- Free Business Transaction Account
Every Zeller account includes a free business transaction account with no monthly fees and no minimum balance. Funds settle nightly to any linked business bank account, and free real-time transfers are available between Zeller accounts.
- Zero-Cost EFTPOS
Surcharging to offset the 1.4% fee is still marketed. Lightspeed/Square/Zeller all note the RBA ends card surcharging on 1 October 2026. Do not plan on Zero-Cost EFTPOS after that date.
- Free Business Debit Cards
Unlimited free physical and virtual Mastercard debit cards with no annual fees. Instant virtual card issuance lets your team start making purchases immediately. Corporate cards available at $9/month per card with 60-day free trial.
- 600+ POS Integrations
Zeller Terminal 2 integrates with over 600 third-party POS solutions, plus native accounting integrations with Xero and MYOB. Businesses can pair Zeller's low-cost payments with their existing POS setup for maximum flexibility.
AU Compliance Scores
These scores apply to Australian tax, payroll and banking capabilities where they are relevant to Zeller. They are SoftwareHQ editorial judgements from public documentation, not firsthand product tests.
Not applicable means this product type is not scored on that dimension (for example BAS lodgement on a CRM). Not supported means the vendor does not offer it. Unknown means we could not verify it from public sources — that is not the same as unsupported.
EFTPOS/POS. BAS via Xero integration or other accounting — not Zeller lodgement.
Site settings include GST; POS Lite receipts. 1.4% fee is GST-inclusive (FAQ). Not BAS mapping.
Zeller Transaction Account and Xero integration are not bank feeds in the accounting-product sense.
When this was checked
Status as of (page snapshot) against a 90-day review target. Checked dates are not updated when the site is rebuilt.
Editorial article date: . That is not proof that pricing, hosting, or compliance was re-checked.
- PricingVerified
Verified — checked 8 September 2026.
AUD incl GST. In-person 1.4%; Zeller POS 1.2%; MOTO 1.7%. Terminals $99 promo / $199 standard. $0 monthly. Invoice 1.1% promo for new accounts 24 Aug–31 Oct 2026. POS Lite on both terminals.
- HostingVerified
Verified — checked 8 September 2026.
Overseas disclosure/storage/processing listed (Singapore, US, Ireland, India, Ukraine, Europe). PCI PIN/DSS and Level 1 on security pages. AU region not named. Not AU-sovereign.
- GST handlingVerified
Verified — checked 8 September 2026.
FAQ: 1.4% fee includes GST. POS Lite/site GST settings. Not BAS lodgement.
Pricing (AUD)
All prices below are in Australian dollars and include GST. Verified — checked 8 September 2026. Source: myzeller.com/pricing.
- Transactions: unlimited
- Pos Lite: Yes
- Transactions: unlimited
- Pos Lite: Yes
Estimate first-year cost for Zeller
Observed price changes
Recorded when a listed price changed. This is not a complete vendor timeline.
- Both Terminal 1x and Terminal 2 advertised at $99 incl. GST (standard $199). POS Lite now listed on both. New 1.2% Zeller POS integrated rate. Invoice 1.1% promo for new accounts to 31 Oct 2026.
- Zeller Terminal 2 (hardware) · $199 → $99 · Both terminals advertised at $99 incl. GST promotional (standard $199). POS Lite on Terminal 1x and 2. New 1.2% Zeller POS integrated rate.
Pros & Cons
Pros
- 1.4% in-person incl. GST (1.2% Zeller POS integrated) — lowest published flat rate in this set
- No monthly software or terminal rental
- POS Lite now on Terminal 1x and Terminal 2
- Hardware $99 promotional / $199 standard incl. GST
- Free Transaction Account and debit cards on the pricing page
- PCI Level 1 claimed; AU company with local phone support
Cons
- Privacy policy discloses overseas processing — not AU data residency
- POS Lite is a basic item library, not Lightspeed inventory
- Offline card-taking for POS Lite was not documented on the pages opened this check
- Invoice 1.1% is a dated promo for new accounts, not the ongoing standard
- RBA surcharge ban from 1 Oct 2026 removes Zero-Cost EFTPOS as a long-term fee-offset
- About page support hours (9AM–1AM) differ from the pricing-page 24/7 claim
How this review was made
Reviews separate vendor documentation, editorial analysis and firsthand records. They are not interchangeable.
- Vendor documentation — Public pages from Zeller and other sites. Recorded HTTP(S) URLs are listed under Sources. A source URL is a document we recorded, not a claim that every sentence on this page was checked against that URL.
- Editorial analysis — SoftwareHQ's written verdict and scores for Australian buyers. The header score is an editorial assessment, not a user-review average, not a lab result, and not a number derived from how many evidence records exist.
- Firsthand records — This review has no firsthand observation records, trial walkthroughs, or screenshots from a logged-in SoftwareHQ account. Missing tests stay not tested.
This page does not rank products by speed or security from documentation or from evidence count.
Checked by SoftwareHQ Editorial Team. There is no named author profile for this page; attribution stays with the SoftwareHQ editorial team. How we test and the editorial policy for scoring, independence and affiliate rules.
Sources
Public pages recorded when this review was compiled. They are not a checklist that every claim was verified, and they are not evidence of hands-on product testing.
- Myzeller pricing
- Myzeller How Much Does Zeller Cost
- Myzeller privacy policy
- Myzeller security
- Myzeller How Are Payments Secured
- Myzeller about
- Myzeller Zeller Pos Lite Your All In One Payments And Point Of Sale Solution
- Myzeller Eftpos Terminal Machines
Zeller Alternatives
If Zeller doesn’t quite fit your needs, consider these alternatives for Australian businesses:
- Square — Free POS software with affordable card payments. Free plan available.
- Lightspeed — Full-featured POS for retail and hospitality. From $129/mo ex GST.
- Shopify POS — Omnichannel POS for retailers who sell online and in-store. From $56/mo ex GST.
Related Comparisons
Migration Guides
Step-by-step switching guides involving Zeller for Australian businesses.