Australian-built payments provider now in the UK: pay-as-you-go smart terminals at a flat 1.3% with no monthly fees.
Best for
Small and growing businesses wanting a flat-rate smart terminal with a free POS and business account, and no monthly commitment.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
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.
No monthly or terminal rental fees.
One-off purchase, confirmed on myzeller.com/gb/card-machine. Both include a free built-in POS (Zeller POS Lite).
No setup or account fees.
Online checkout and keyed-in card transactions.
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).
No monthly or terminal rental fees.
No setup or account fees.
Zeller UK states no hidden chargeback fees (myzeller.com/gb/card-machine); dedicated chargeback support included.
American Express confirmed at 1.99% on myzeller.com/gb/pricing (grouped with business and international cards).
Domestic Visa/MC 1.3% in person; international and business cards priced at 1.99% (grouped with Amex) per myzeller.com/gb/pricing.
No lock-in contract, so no early termination fee.
Same-day settlement to a Zeller Business Account or next business day to any bank; no settlement fee stated.
Zeller UK does not publish a refund fee on its pricing page. Ask before you sign.
PCI Level 1 / PCI-DSS certified, included at no cost; no PCI compliance fee (myzeller.com/gb/card-machine).
30-day risk-free trial; no lock-in.
Confirmed on myzeller.com/gb/card-machine; settlement is free.
Zeller UK offers unlimited free invoices and Payment Links, but does not confirm recurring/subscription billing on its pricing page. Ask before you sign.
Side-by-side with the closest alternatives by estimated cost.
Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.
Zeller
£204/mo est.
myPOS
£202.20/mo est.
Elavon
£186.45/mo est.
TYL by NatWest
£223.50/mo est.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Online checkout and keyed-in card transactions.
Side-by-side with the closest alternatives by estimated cost.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
Zeller
£260/mo est.
myPOS
£260/mo est.
SumUp
£338/mo est.
Square
£350/mo est.
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.
Cards, wallets, and other methods supported by Zeller for UK merchants.
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.
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