Alternatives · For Zeller customers
Zeller alternatives: which plans beat a 1.4% flat rate?
Updated
Zeller’s 1.4% covers every card, Amex included, with no rental. That was competitive before 1 October. Since then two big banks cut their flat rates below 1%, so the question is at what volume each of them wins.
Verdict
CommBank’s Smart Mini costs less than Zeller at any volume. The rented bank terminals win once takings are high enough to cover their rental: Westpac from about $4,256 a month, NAB from about $7,474. SumUp costs the same; Square and Stripe cost more. Zeller’s edge is that it pays into any bank the next business day and charges no rental in quiet months.
Your numbers
From what volume each plan beats Zeller
When each plan costs less than Zeller Terminal
| Plan | Cheaper than Zeller Terminal when takings are |
|---|---|
| CommBank Smart Mini | At every volume |
| Westpac EFTPOS Now | Above $4,256 a month |
| Worldline Move 5000 | Above $6,684 a month |
| CommBank Smart terminal | Above $7,195 a month |
| NAB EFTPOS, Simple Pricing | Above $7,474 a month |
| SumUp Air reader | Same cost |
| SumUp Solo | Same cost |
| Square Reader (Free plan) | Never |
| Square Terminal (Free plan) | Never |
| Stripe Terminal | Never |
We compare only the 10 plans listed here, not the whole market. Other products may be available that suit you better.
These are 10 of the 11 plans we compare, from 8 providers. Rates from each provider’s pricing page, checked 3 October 2026.
What the gap is worth
Fees a year at three monthly volumes
| Plan | $3,000 a month | $10,000 a month | $30,000 a month |
|---|---|---|---|
| CommBank Smart Mini | $3560.99% | $1,1880.99% | $3,5640.99% |
| Westpac EFTPOS Now | $5921.64% | $1,2791.07% | $3,2440.90% |
| NAB EFTPOS, Simple Pricing | $6841.90% | $1,5791.32% | $4,1361.15% |
| Zeller Terminal | $5041.40% | $1,6801.40% | $5,0401.40% |
At $3,000 a month the cheapest alternative saves $148 a year, a small reward for changing banks. At $30,000 a month Westpac saves $1,796. Below a few thousand dollars a month, staying put is a reasonable choice.
What you give up by leaving Zeller
Zeller settles the next business day into any bank account you nominate, free, with no set-up fee, monthly fee or lock-in contract, and charges Amex at the same rate as other cards. (Zeller pricing, checked )
The banks pay fastest into their own accounts, and CommBank’s online Smart Mini application settles to a CommBank account. Westpac’s rate doesn’t cover Amex, and CommBank covers it subject to approval. If you take phone orders, compare those rates too:
Zeller phone and mail orders: 1.7% including GST. (Zeller pricing, checked )