Zeller

Zeller brings business payments, accounts, cards, invoicing, and financial reporting together. Its Business Account, app, and dashboard are listed as free to sign up, with no monthly fees or subscriptions, no minimum balance, unlimited free accounts, and free transfers. The POS software is also free to download and run without a monthly subscription or software licence fee, but requires a Zeller Terminal and transaction fees apply. The pricing page lists in-person Visa and Mastercard payments at 1.3%, and other cards at 1.99%. Businesses can send unlimited online invoices without a monthly subscription fee. A browser-based virtual terminal lets businesses key in card payments and use free payment links. POS functions include 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. 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.

Zeller combines business finance tools with payment and POS options, including a free account and POS software. Check terminal requirements, transaction fees, and the status of features marked as coming soon.

Zeller may suit businesses looking to combine payments, accounts, invoicing, and POS functions. Business Accounts are listed for sole traders, companies, partnerships, LLPs, and trusts.

Zeller suits small businesses that want business accounts, payment acceptance and POS software under one provider. Its free core account and POS remove recurring software charges, but terminal and processing costs still shape the real price.

Overview

Zeller brings together business payments, accounts, cards, invoicing and financial reporting. The account, app and dashboard are free, and the POS software has no monthly subscription or licence fee. That makes it a practical option for businesses trying to keep fixed costs down, provided they account for payment fees and, for POS, a required Zeller Terminal.

Zeller is headquartered in Melbourne, Australia. Its UK provider, Zeller UK Limited, says it is authorised by the FCA for payment services and safeguards customer funds in segregated accounts. Zeller Business Accounts are not covered by the FSCS, an important distinction for businesses weighing where to hold operating funds.

Key features

Zeller accepts Visa, Mastercard, American Express, eftpos, JCB, UnionPay, Apple Pay and Google Pay. In-person Visa and Mastercard payments cost 1.3%; other cards cost 1.99%. Businesses whose customers often pay with cards outside those two networks should budget for the higher rate rather than rely on the headline price.

Online invoicing allows unlimited invoices without a monthly subscription fee. For payments taken remotely, the browser-based virtual terminal supports keyed card payments and free payment links. These tools suit businesses that need to collect money without a monthly invoicing charge, though card processing fees still apply.

The POS includes item and inventory management, receipt and kitchen docket printing, discounts, refunds and real-time sales reporting. It is free to run, but requires a Zeller Terminal and transaction fees apply. Kitchen display, tabs, table mapping, inventory tracking and complex order routing are marked as coming soon, so venues that depend on those workflows should not treat them as current capabilities.

Zeller Bank Feeds imports transactions from a Zeller Business Account into a Xero organisation, reducing manual transfer of account activity for businesses using Xero. 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. Customer support is available 24/7 by phone, email and SMS.

Pricing

The Zeller Business Account, app and dashboard cost nothing: there are no monthly fees or subscriptions, no minimum balance, unlimited free accounts and free transfers. This is the best fit for businesses that want a no-monthly-cost account and can use Zeller's other services as needed.

Zeller POS costs nothing to download and run, with no monthly subscription or software licence fee. The trade-off is that it requires a Zeller Terminal and payment processing fees apply. Zeller Terminal 1x costs £99, paid once, excluding VAT; there are no monthly fees, but processing fees remain. POS is therefore less compelling for businesses that already have hardware they want to keep using.

Zeller Expense Cards cost £5 a month ( £5/card per month (ex VAT)); the first card is free, and additional cards incur a monthly card fee. There is no software fee. This suits teams that need multiple expense cards, but the per-card charge makes the number of cards a recurring cost to manage.

In-person Visa and Mastercard payments are priced at 1.3%, and other cards at 1.99%. Free invoicing and payment links do not remove transaction costs when customers pay. Zeller's free pricing is strongest for avoiding subscriptions, not for eliminating payment expenses.

Platforms

Zeller is available on Android, iOS and the web. Tap to Pay is supported, but offline payments are not. Businesses that need to take payments without connectivity should look elsewhere; payouts are next-day.

Who it's for

Zeller Business Accounts are described as suitable for sole traders, limited companies, general partnerships, LLPs and trusts. The combination of free accounts, invoicing and POS can suit small businesses that want payment and account tools together, especially those comfortable buying the required terminal for POS. Restaurants needing table mapping, tabs or kitchen display today, and businesses prioritising FSCS-covered accounts, are poorer fits.

Pros and cons

• Pro: The account, dashboard and POS carry no monthly subscription, limiting fixed software costs.
• Pro: Unlimited online invoices and free payment links give businesses more than one way to request payment without a monthly invoicing charge.
• Pro: Xero Bank Feeds imports business-account transactions directly into a Xero organisation.
• Con: POS requires a Zeller Terminal, which costs £99, paid once excluding VAT, and processing fees still apply.
• Con: Card rates differ by network: other cards cost 1.99% versus 1.3% for Visa and Mastercard.
• Con: Offline payments are unavailable, and several restaurant-oriented POS functions remain marked as coming soon.
• Con: Zeller Business Accounts are not covered by the FSCS.

Alternatives

For a broader comparison of mobile payment tools, browse Mobile Payment Processing Software; food businesses comparing point-of-sale options can browse Food Truck POS Software.

Choose PayAnywhere if its swipe, dip or tap rate of 2.69% or keyed rate of 3.49% + $0.19 better fits your payment mix. For invoice-first workflows, PayPal Invoicing offers a free invoice plan with transaction fees when customers pay.

Lopay is another option to compare for its free Essential plan, unlimited team members and Thursday bank payouts. Paid for Stripe may suit businesses already using Stripe that want its app with a 0.99% fee per transaction in addition to Stripe’s standard fees.

Consider Paymi if an iOS-only payment app with a 1.2% application fee per transaction, plus Stripe fees, fits your needs. QuickBooks GoPayment is a free app alternative that requires a QuickBooks Payments account and approval. SwipeSimple offers an eligible-business option where card-paying customers cover a 3.5% card fee. Helcim is another payment-processing option to compare.

Verdict

Choose Zeller if you want a free business account, unlimited online invoicing and POS software alongside payment acceptance, and are willing to pay processing fees and buy its terminal for POS. Look elsewhere if offline acceptance, FSCS coverage or advanced restaurant workflows are essential today.