How much does Zeller cost?

Zeller ecosystem

It’s free to sign up for Zeller

There are no set-up fees, monthly fees, or lock-in contracts.
You’re only charged when you accept a payment.

In-person payments

Accept in-person payments with Zeller Terminal

In-person payments

1.3%

Excludes American Express — even lower rates for larger businesses

Other cards

1.99%

For American Express, business, and international cards

MOTO payments

1.5%

For domestic Mastercard and Visa cards

Zeller Terminal

£99

No monthly fees or hidden charges — price excludes VAT

VisaMastercardAmerican ExpressApple PayGoogle Pay

Online invoice payments

Accept online invoice payments with Zeller or Xero Invoices.

Subscription fee

£0

No monthly invoicing subscription fees

Send online invoices

Free

Create and send unlimited online invoices

Invoice transaction fee

1.5%

For domestic Mastercard and Visa cards

Settlement fee

Free

Get your funds as fast as the next day

Virtual terminal payments

Key in and charge card payments securely from any browser.

Subscription fee

£0

Free — no monthly fees or subscriptions

Payment links

Free

Send unlimited payment links via email or SMS

Transaction fee

1.5%

For domestic Mastercard and Visa cards

Settlement fee

Free

Get your funds as fast as the next day

Business accounts

Switch to a better business financial solution.

Zeller Business Account

Free

No monthly fees or subscriptions

Minimum balance requirements

£0

No minimum monthly balance required

Account setup fee

£0

It's free to sign up for your Zeller Business Account

Transfer fees

£0

Free — unlimited real-time fund transfers

Debit cards

Streamline your business spending.

Zeller Debit Card

Free

Free — unlimited physical business debit cards

Virtual cards

Free

Issue free, unlimited virtual business debit cards

Annual card fees

£0

No recurring annual fees or hidden charges

Transaction
fees

£0

Just the exchange rate — no hidden fees

Expense cards

Manage and track team or project expenses with Zeller Expense Cards.

Monthly card fee

£5

First card free — additional cards £5/card per month (ex VAT)

Transaction fees

£0

Just the exchange rate — no hidden fees

Software fees

£0

No costly expense management software fees

Report download fees

£0

Access spend reports from Zeller App or Dashboard

Everything’s included.

Sign up free, then discover everything that comes with your new Zeller Account.

Accept payments

Accept card payments, virtual terminal, and online invoice payments with flat-rate pricing for all cards.

Learn more

Debit and expense cards

Issue unlimited, free business debit cards, or create expense cards to manage and track team expenses. 

Learn more

Financial reporting

Report by transaction, card, account, site, or contact from Zeller Dashboard or in the Zeller App.

Learn more

Business accounts

Unlimited free accounts, fast real-time transfers, and no monthly fees.

Learn more

Xero integration

Get paid and manage your finances for free with Zeller's integration with Xero.

Learn more

24/7 support

Speak to our team via phone, email, and SMS, plus dedicated fraud and chargeback monitoring.

Learn more

Unlock a lower transaction fee

Speak with Zeller Sales about a custom pricing package.

Get started in minutes

You'll have access to every Zeller product instantly.

Sign up free
Zeller - Merchant and Laptop, restaurant tabletop

Frequently asked questions

Zeller Terminal starts at £99 to purchase, ex. VAT. You can buy card machines online from the Zeller Shop, with free express shipping across the UK.

You can buy a payment terminal online exclusively from the Zeller Shop — we’ll ship it to you, fast and for free, anywhere in the UK.

There are no monthly card machine rental fees to use Zeller. Our pricing is clear and transparent — purchase Zeller Terminal and then it's yours to own. Then pay just 1.3% per in-person card payment (Visa and Mastercard).

No — Zeller doesn't require a minimum monthly transaction volume, so your business will never be penalised for processing fewer transactions. It's a model that works for businesses of all sizes.

American Express cards are charged at 1.99% with Zeller Terminal.

Switching to Zeller is fast and free — you can open your business account in under five minutes, without having to visit a bank or complete lengthy paperwork. Simply create your Zeller account by following the steps to sign up here.

Zeller Terminal does not currently accept Diners Club cards.

For MOTO payments (also known as over-the-phone payments), Zeller’s processing fee is 1.5%

MOTO transactions cost slightly more because they carry higher fraud risk. Unlike in-person payments — where the card and cardholder are physically present — MOTO transactions can't verify identity as easily, so additional security measures are required. That added protection is reflected in the slightly higher processing cost.

Your business may be eligible for an even lower custom rate if you process over £75k annually in card payments through your payment terminal. Contact Zeller Sales to enquire here.