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If you want one platform to run your entire business, Square is the stronger choice. If you have your own finance and tech stack, Zeller gives you room as it adapts to your existing tools without locking you into a single ecosystem.",[],{"_key":2140,"_type":507,"children":2141,"markDefs":2146,"style":753},"k734",[2142],{"_key":2143,"_type":511,"marks":2144,"text":2145},"k733",[750],"Zeller vs Square: which platform offers same-day settlement",[],{"_key":2148,"_type":507,"children":2149,"markDefs":2154,"style":514},"k738",[2150],{"_key":2151,"_type":511,"marks":2152,"text":2153},"k737",[],"Getting paid and having access to that money aren’t the same thing at all. 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This is officially changing on 1 October 2026.",[],{"_key":2212,"_type":507,"children":2213,"markDefs":2218,"style":514},"k770",[2214],{"_key":2215,"_type":511,"marks":2216,"text":2217},"k769",[],"The Reserve Bank of Australia has confirmed that you won’t be able to apply any surcharges to EFTPOS, Visa, or Mastercard transactions. After 1 October 2026, payment processing costs become part of your operating expenses, and you won’t be able to transfer it to your customers.",[],{"_key":2220,"_type":507,"children":2221,"markDefs":2226,"style":1101},"k774",[2222],{"_key":2223,"_type":511,"marks":2224,"text":2225},"k773",[750],"What does this mean for founders",[],{"_key":2228,"_type":507,"children":2229,"markDefs":2234,"style":514},"k778",[2230],{"_key":2231,"_type":511,"marks":2232,"text":2233},"k777",[],"The transaction fee doesn't disappear. You still pay it. The difference is you recover that cost through your pricing, not a separate line item at checkout. That makes your payment provider's fee structure matter more than it used to. On AUD $25,000 in monthly card turnover, the gap between a 1.4% and a 1.6% rate is around AUD $50 a month, and you're now absorbing all of it yourself.",[],{"_key":2236,"_type":507,"children":2237,"markDefs":2242,"style":753},"k782",[2238],{"_key":2239,"_type":511,"marks":2240,"text":2241},"k781",[750],"So Zeller vs Square, which should you choose",[],{"_key":2244,"_type":507,"children":2245,"markDefs":2250,"style":514},"k786",[2246],{"_key":2247,"_type":511,"marks":2248,"text":2249},"k785",[],"After comparing all the factors above such as hardware, software, settlement, and support, there’s no universal winner. Each platform serves a different purpose and type of business:",[],{"_key":2252,"_type":507,"children":2253,"markDefs":2258,"style":1101},"k790",[2254],{"_key":2255,"_type":511,"marks":2256,"text":2257},"k789",[750],"You can choose Zeller if:",[],{"_key":2260,"_type":507,"children":2261,"level":765,"listItem":1117,"markDefs":2266,"style":514},"k794",[2262],{"_key":2263,"_type":511,"marks":2264,"text":2265},"k793",[],"Your business processes high volumes of in-person card payments",[],{"_key":2268,"_type":507,"children":2269,"level":765,"listItem":1117,"markDefs":2274,"style":514},"k798",[2270],{"_key":2271,"_type":511,"marks":2272,"text":2273},"k797",[],"You want lower long-term transaction costs",[],{"_key":2276,"_type":507,"children":2277,"level":765,"listItem":1117,"markDefs":2282,"style":514},"k802",[2278],{"_key":2279,"_type":511,"marks":2280,"text":2281},"k801",[],"You value same-day settlement into an integrated business account",[],{"_key":2284,"_type":507,"children":2285,"level":765,"listItem":1117,"markDefs":2290,"style":514},"k806",[2286],{"_key":2287,"_type":511,"marks":2288,"text":2289},"k805",[],"You already use specialist POS software",[],{"_key":2292,"_type":507,"children":2293,"level":765,"listItem":1117,"markDefs":2298,"style":514},"k810",[2294],{"_key":2295,"_type":511,"marks":2296,"text":2297},"k809",[],"You need mobile connectivity and related features for markets, pop-ups, or field work",[],{"_key":2300,"_type":507,"children":2301,"level":765,"listItem":1117,"markDefs":2306,"style":514},"k814",[2302],{"_key":2303,"_type":511,"marks":2304,"text":2305},"k813",[],"You prefer an Australian-built payments platform",[],{"_key":2308,"_type":507,"children":2309,"markDefs":2314,"style":1101},"k818",[2310],{"_key":2311,"_type":511,"marks":2312,"text":2313},"k817",[750],"Choose Square if:",[],{"_key":2316,"_type":507,"children":2317,"level":765,"listItem":1117,"markDefs":2322,"style":514},"k822",[2318],{"_key":2319,"_type":511,"marks":2320,"text":2321},"k821",[],"You want one platform for payments, POS, ecommerce, and operations",[],{"_key":2324,"_type":507,"children":2325,"level":765,"listItem":1117,"markDefs":2330,"style":514},"k826",[2326],{"_key":2327,"_type":511,"marks":2328,"text":2329},"k825",[],"You're opening a retail or hospitality business from scratch",[],{"_key":2332,"_type":507,"children":2333,"level":765,"listItem":1117,"markDefs":2338,"style":514},"k830",[2334],{"_key":2335,"_type":511,"marks":2336,"text":2337},"k829",[],"You need advanced inventory, customer, or staff management",[],{"_key":2340,"_type":507,"children":2341,"level":765,"listItem":1117,"markDefs":2346,"style":514},"k834",[2342],{"_key":2343,"_type":511,"marks":2344,"text":2345},"k833",[],"You sell across physical and online channels",[],{"_key":2348,"_type":507,"children":2349,"level":765,"listItem":1117,"markDefs":2354,"style":514},"k838",[2350],{"_key":2351,"_type":511,"marks":2352,"text":2353},"k837",[],"You want a wider choice of hardware",[],{"_key":2356,"_type":507,"children":2357,"level":765,"listItem":1117,"markDefs":2362,"style":514},"k842",[2358],{"_key":2359,"_type":511,"marks":2360,"text":2361},"k841",[],"You're happy paying slightly higher processing fees for a more complete software ecosystem",[],{"_key":2364,"_type":507,"children":2365,"markDefs":2370,"style":514},"k846",[2366],{"_key":2367,"_type":511,"marks":2368,"text":2369},"k845",[],"Zeller and Square solve the same problem in different ways. Zeller keeps the terminal simple and pulls your business account in close, so you get a lower ongoing rate and same-day settlement without stitching providers together. Square pulls the software in close instead, giving you inventory, staff, and online sales in one login, at a slightly higher rate.",[],{"_key":2372,"_type":507,"children":2373,"markDefs":2378,"style":514},"k850",[2374],{"_key":2375,"_type":511,"marks":2376,"text":2377},"k849",[],"Neither is the wrong choice. The right one depends on what you're actually running: a lean, high-volume payments setup, or a full commerce platform that grows with you.",[],{"_key":2380,"_type":507,"children":2381,"markDefs":2386,"style":514},"k854",[2382],{"_key":2383,"_type":511,"marks":2384,"text":2385},"k853",[],"Whichever you pick, the terminal only covers one part of the job. What happens to that money next, how you separate it from personal funds, issue cards to your team, and reconcile it against invoices and bills, is a decision worth making on its own terms.",[],{"_key":2388,"_type":507,"children":2389,"markDefs":2393,"style":753},"k858",[2390],{"_key":2391,"_type":511,"marks":2392,"text":469},"k857",[750],[],{"_key":2395,"_type":507,"children":2396,"markDefs":2401,"style":1101},"k862",[2397],{"_key":2398,"_type":511,"marks":2399,"text":2400},"k861",[750],"Does Zeller vs Square let me pass on transaction fees to customers?",[],{"_key":2403,"_type":507,"children":2404,"markDefs":2409,"style":514},"k866",[2405],{"_key":2406,"_type":511,"marks":2407,"text":2408},"k865",[],"While both platforms currently offer a version of this, this might end after 1 October 2026 RBA’s surcharge ban. Zeller’s zero-cost EFTPOS setting lets you pass on your full or partial transaction fee at checkout, including tap-to-pay. Square offers a similar surcharge function, currently in beta. The RBA ban stops merchants on either platform from adding a surcharge to Visa, Mastercard, or EFTPOS transactions. So this option won’t be available for too long.",[],{"_key":2411,"_type":507,"children":2412,"markDefs":2417,"style":1101},"k870",[2413],{"_key":2414,"_type":511,"marks":2415,"text":2416},"k869",[750],"Is Zeller more reliable than Square?",[],{"_key":2419,"_type":507,"children":2420,"markDefs":2425,"style":514},"k874",[2421],{"_key":2422,"_type":511,"marks":2423,"text":2424},"k873",[],"Zeller markets itself around uptime, positioning its payments reliability against Square's history of reported outages. Independent, verified uptime data for either platform isn't publicly published, so treat brand claims on this point with some caution and check current outage history directly with each provider before you commit.",[],{"_key":2427,"_type":507,"children":2428,"markDefs":2433,"style":1101},"k878",[2429],{"_key":2430,"_type":511,"marks":2431,"text":2432},"k877",[750],"Does Zeller integrate with Xero?",[],{"_key":2435,"_type":507,"children":2436,"markDefs":2441,"style":514},"k882",[2437],{"_key":2438,"_type":511,"marks":2439,"text":2440},"k881",[],"Yes. Zeller connects directly with Xero for accounting, alongside its 600+ POS integrations. Square also integrates with major accounting platforms, including Xero, through its own app marketplace.",[],{"_key":2443,"_type":507,"children":2444,"markDefs":2449,"style":1101},"k886",[2445],{"_key":2446,"_type":511,"marks":2447,"text":2448},"k885",[750],"Would either Zeller vs Square lock me into a contract?",[],{"_key":2451,"_type":507,"children":2452,"markDefs":2457,"style":514},"k890",[2453],{"_key":2454,"_type":511,"marks":2455,"text":2456},"k889",[],"No. Neither requires a lock-in contract or charges a monthly fee for the terminal; you buy the hardware outright and pay per transaction.",[],{"_key":2459,"_type":507,"children":2460,"markDefs":2465,"style":1101},"k894",[2461],{"_key":2462,"_type":511,"marks":2463,"text":2464},"k893",[750],"Which is better for a market stall or mobile business with unreliable WiFi?",[],{"_key":2467,"_type":507,"children":2468,"markDefs":2473,"style":514},"k898",[2469],{"_key":2470,"_type":511,"marks":2471,"text":2472},"k897",[],"Zeller Terminal can run on a SIM card as well as WiFi, while Square's in-person terminals rely on WiFi connectivity. If you're taking payments somewhere connectivity isn't guaranteed, that's a real point in Zeller's favour.",[],{"slug":139,"title":140},{"_type":333,"alternativeText":2476,"height":2477,"url":2478,"width":2479},"Zeller vs Square: The full comparison for Australia-based founders",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4efb2d1a630ec9bf1dcc4bd8823ac795\u002Fbusiness-15.jpeg",1200,[2481,2488,2494,2500,2508,2516,2524],{"_key":748,"_type":507,"children":2482,"level":765,"listItem":1117,"markDefs":2487,"style":514},[2483],{"_key":2484,"_type":511,"marks":2485,"text":2486},"k1",[],"Zeller vs Square comes down to cost versus ecosystem; Zeller wins on a lower flat rate and integrated banking; Square wins on built-in POS software and hardware choice",[],{"_key":759,"_type":507,"children":2489,"level":765,"listItem":1117,"markDefs":2493,"style":514},[2490],{"_key":755,"_type":511,"marks":2491,"text":2492},[],"Zeller charges a flat 1.4% per transaction; Square charges 1.6%; Zeller works out cheaper for most in-person card volume",[],{"_key":773,"_type":507,"children":2495,"level":765,"listItem":1117,"markDefs":2499,"style":514},[2496],{"_key":768,"_type":511,"marks":2497,"text":2498},[],"Zeller settles into your account the same day, 7 days a week; Square settles the next business day, with instant transfer available for an extra fee",[],{"_key":2501,"_type":507,"children":2502,"level":765,"listItem":1117,"markDefs":2507,"style":514},"k11",[2503],{"_key":2504,"_type":511,"marks":2505,"text":2506},"k10",[],"Square wins on POS depth, with native retail, restaurant, and appointment software built in; Zeller wins on flexibility, integrating with 600+ third-party POS systems instead of replacing them",[],{"_key":2509,"_type":507,"children":2510,"level":765,"listItem":1117,"markDefs":2515,"style":514},"k14",[2511],{"_key":2512,"_type":511,"marks":2513,"text":2514},"k13",[],"Zeller's EFTPOS terminal runs on SIM or WiFi; Square's terminals need WiFi, so Zeller suits markets, pop-ups, and spots with patchy connectivity",[],{"_key":2517,"_type":507,"children":2518,"level":765,"listItem":1117,"markDefs":2523,"style":514},"k17",[2519],{"_key":2520,"_type":511,"marks":2521,"text":2522},"k16",[],"The RBA bans card surcharges from 1 October 2026; whichever provider you use your transaction fee doesn't disappear, it just moves into your pricing",[],{"_key":2525,"_type":507,"children":2526,"level":765,"listItem":1117,"markDefs":2530,"style":514},"k20",[2527],{"_key":814,"_type":511,"marks":2528,"text":2529},[],"Neither locks you into a contract nor charges a monthly fee; you buy the terminal outright, then pay per transaction",[],[2532,2538,2544],{"_key":748,"_type":507,"children":2533,"markDefs":2537,"style":514},[2534],{"_key":2484,"_type":511,"marks":2535,"text":2536},[],"For most founders in Australia comparing Zeller vs Square, the decision comes down to one question: Do you want lower payment costs or a broader business platform?",[],{"_key":759,"_type":507,"children":2539,"markDefs":2543,"style":514},[2540],{"_key":755,"_type":511,"marks":2541,"text":2542},[],"Zeller offers lower in-person transaction fees and built-in business banking. This makes it a strong choice if you rely on card payments in-store. Square, on the other hand, has POS software that offers tools for inventory, staff management, online selling, appointments, and more from one platform. Both providers offer contract-free EFTPOS terminals, flat-rate pricing, and quick setup. The differences between the platforms show up when your business starts growing.",[],{"_key":773,"_type":507,"children":2545,"markDefs":2549,"style":514},[2546],{"_key":768,"_type":511,"marks":2547,"text":2548},[],"This guide helps you understand Zeller vs Square by comparing the transaction fees, hardware, POS features, settlement times, and customer support. We have also exclusively covered the upcoming 1 October 2026 card surcharge ban. This way, you can choose the platform that is right for your operations and not just affordable.",[],"2026-09-01T00:00:00.000Z",{"_type":2552,"metaDescription":2553,"metaTitle":2554,"socialShareImageUrl":2555},"seo","Compare Zeller vs Square on fees, EFTPOS terminals, settlement speed, and the 2026 surcharge ban. Everything Australian founders need to decide.","Zeller vs Square: fees, EFTPOS, and settlement compared",{"_type":333,"alternativeText":2476,"height":2477,"url":2478,"width":2479},"zelle-square-comparison-australia",[2558,2565,2571,2577,2583],{"_key":748,"_type":507,"children":2559,"level":765,"listItem":2563,"markDefs":2564,"style":514},[2560],{"_key":2484,"_type":511,"marks":2561,"text":2562},[],"1. Zeller - https:\u002F\u002Fwww.myzeller.com\u002Fau\u002Fcompare\u002Fzeller-vs-square - 1st August 2026","number",[],{"_key":759,"_type":507,"children":2566,"level":765,"listItem":2563,"markDefs":2570,"style":514},[2567],{"_key":755,"_type":511,"marks":2568,"text":2569},[],"2. Zeller - https:\u002F\u002Fwww.myzeller.com\u002Fau\u002Fsupport\u002Fhow-much-does-zeller-cost - 1st August 2026",[],{"_key":773,"_type":507,"children":2572,"level":765,"listItem":2563,"markDefs":2576,"style":514},[2573],{"_key":768,"_type":511,"marks":2574,"text":2575},[],"3. Zeller - https:\u002F\u002Fwww.myzeller.com\u002Fau\u002Fpricing - 1st August 2026",[],{"_key":2501,"_type":507,"children":2578,"level":765,"listItem":2563,"markDefs":2582,"style":514},[2579],{"_key":2504,"_type":511,"marks":2580,"text":2581},[],"4. Square - https:\u002F\u002Fsquareup.com\u002Fau\u002Fen\u002Fpricing - 1st August 2026",[],{"_key":2509,"_type":507,"children":2584,"level":765,"listItem":2563,"markDefs":2588,"style":514},[2585],{"_key":2512,"_type":511,"marks":2586,"text":2587},[],"5. Square - https:\u002F\u002Fsquareup.com\u002Fau\u002F - 1st August 2026",[],1790324263698]