Zeller

Australian-built payments provider now in the UK: pay-as-you-go smart terminals at a flat 1.3% with no monthly fees.

In-person rate: 1.3%
Online rate: 1.5%
Monthly fee: £0/mo
Contract: No contract

Best for

Small and growing businesses wanting a flat-rate smart terminal with a free POS and business account, and no monthly commitment.

Pricing breakdown

All prices in GBPLast verified 16 July 2026

Every fee we track, grouped by where it applies.

In-person payments

In-person terminal and tap-to-pay transactions.

Transaction rate: 1.3%
Flat rate for domestic Visa and Mastercard, confirmed on myzeller.com/gb/card-machine. American Express 1.99%; international/business cards 1.99%; MOTO (keyed) 1.5%. Flat, no volume tiers; businesses over £75k/yr card turnover may qualify for a lower custom rate.
Monthly fee: £0/mo
No monthly or terminal rental fees.
Setup fee: Free
No setup or account fees.

Online payments

Online checkout and keyed-in card transactions.

Transaction rate: 1.5%
Online invoices, Virtual Terminal and Payment Links: 1.5% for domestic Visa/Mastercard; 2.4% on all other cards. Confirmed on myzeller.com/gb/pricing (subscription and settlement free).
Monthly fee: £0/mo
No monthly or terminal rental fees.
Setup fee: Free
No setup or account fees.

Other fees

Chargeback fee: Free
Zeller UK states no hidden chargeback fees (myzeller.com/gb/card-machine); dedicated chargeback support included.
AMEX rate: 1.99%
American Express confirmed at 1.99% on myzeller.com/gb/pricing (grouped with business and international cards).
International card surcharge: 1.99% (intl/business)
Domestic Visa/MC 1.3% in person; international and business cards priced at 1.99% (grouped with Amex) per myzeller.com/gb/pricing.
Early termination fee: None
No lock-in contract, so no early termination fee.
Instant payout fee: Free (same/next-day)
Same-day settlement to a Zeller Business Account or next business day to any bank; no settlement fee stated.
Refund fee: Contact provider
Zeller UK does not publish a refund fee on its pricing page. Ask before you sign.
PCI compliance fee: Included free (PCI L1)
PCI Level 1 / PCI-DSS certified, included at no cost; no PCI compliance fee (myzeller.com/gb/card-machine).

Contract terms

Contract length: No contract
30-day risk-free trial; no lock-in.
Recurring billing: Contact provider
Zeller UK offers unlimited free invoices and Payment Links, but does not confirm recurring/subscription billing on its pricing page. Ask before you sign.

Accepted payment methods

Cards, wallets, and other methods supported by Zeller for UK merchants.

Cards

Visa
Mastercard
AMEX

Digital wallets

Apple Pay
Google Pay

Other

international-cards

Strengths and trade-offs

Pros

Flat 1.3% on domestic Visa and Mastercard with no monthly fee
No lock-in contract, and no PCI or chargeback fees
Free POS Lite, business account and debit cards included
Same-day settlement to a Zeller Business Account

Cons

American Express and international cards cost more at 1.99%
Terminal hardware is a one-off purchase (from £99 + VAT)
No offline payment mode, so an active connection is required

About Zeller

Zeller is a payments and business-banking provider that entered the UK in 2025 (Zeller UK Limited). Its portable smart terminals, the Zeller Terminal 1x (from £99) and Terminal 2 (from £149), both ex VAT, run on a pay-as-you-go model: a flat 1.3% on domestic Visa and Mastercard, 1.99% on American Express and international or business cards, and 1.5% on manually keyed (MOTO) payments, with no monthly fees, no lock-in contracts, and no PCI or chargeback fees. A free Zeller POS Lite, a free business account, and free debit cards are included, and settlement is same-day to a Zeller Business Account or next business day to any bank.

Zeller was founded in 2020 and is headquartered in Melbourne, Australia.

How Zeller compares

Side-by-side with the closest alternatives by estimated cost.

Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.

Compare all providers

	Zeller £204/mo est.	myPOS £202/mo est.	Elavon £186/mo est.	TYL by NatWest £224/mo est.
In-person rate	1.3%	1.10% + 7p	0.99%	1.39% + 5p
Online rate	1.5%	1.30% + 15p	1.5%-1.99% (Opayo, est.)	1.39% + 5p (no CNP extra)
Monthly fee	£0/mo	£0/mo	From £15/mo (incl terminal)	No service fee
Terminal cost	—	—	—	—
Contract length	No contract	No contract	12 months	12 months
Settlement time	—	—	—	—
Est. monthly cost	£204/mo	£202/mo	£186/mo	£224/mo
	Visit Zeller	View details	View details	View details