Zeller
£260/mo est.
- Software/mo
- £0/mo (POS Lite)
- Processing rate
- 1.3%
- Hardware
- Terminal 1x £99 / Terminal 2 £149 (excl VAT)
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £260/mo
Zeller
Australian-built payments provider now in the UK: pay-as-you-go smart terminals at a flat 1.3% with no monthly fees.
- Software/mo
- £0/mo (POS Lite)
- Processing
- 1.3%
- Hardware
- Terminal 1x £99 / Terminal 2 £149 (excl VAT)
- Contract
- No lock-in
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 2026Every fee we track, grouped by where it applies.
In-person payments
In-person terminal and tap-to-pay transactions.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- No lock-in
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.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
myPOS
£260/mo est.
- Software/mo
- £0/mo (£15 if dormant)
- Processing rate
- 1.10% + 7p
- Hardware
- Go 2 £29 / Combo £169 / Ultra £229 / Tap-to-Pay £0
- Contract
- No lock-in
- Industry
- Retail/services (micro)
- Est. monthly cost
- £260/mo
SumUp
£338/mo est.
- Software/mo
- £0/mo (POS Pro from £49)
- Processing rate
- 1.69%
- Hardware
- Solo Lite £25 / Solo £79 / Terminal £135 / Tap-to-Pay £0
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £338/mo
Square
£350/mo est.
- Software/mo
- £0/mo (Plus tiers £49-69)
- Processing rate
- 1.75%
- Hardware
- Reader £19 / Stand £99 / Terminal £149 / Register £699
- Contract
- No lock-in
- Industry
- Both
- Est. monthly cost
- £350/mo
Common questions about Zeller
The same questions UK merchants ask before signing up.
Zeller POS Lite is free to use, at £0/mo (POS Lite). There is no monthly software subscription; you only pay a card transaction fee when you take a payment. POS Lite comes built in to every Zeller Terminal.
Zeller charges a flat 1.3% on in-person domestic Visa and Mastercard payments, with no monthly fee. American Express and international or business cards are 1.99%, and manually keyed (MOTO) payments are 1.5%.
Zeller Terminal hardware is a one-off purchase: Terminal 1x £99 / Terminal 2 £149 (excl VAT). Each terminal includes the free Zeller POS Lite, with no monthly rental fees and no lock-in contract.
Yes. Zeller includes a free Zeller Business Account and a free business debit card. Card takings settle same-day into that account, or the next business day to any other UK bank.
Yes. Zeller integrates natively with Xero, pushing sales and transaction data across for reconciliation. The integration is built in rather than relying on a third-party connector.
Zeller Terminal is a card machine with a free built-in POS (POS Lite) covering an item library, categories, discounts and basic reporting. It suits lower-complexity retail and hospitality; businesses needing advanced inventory or table management should pair Zeller payments with a dedicated POS platform.
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