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Discover how Zeller MOTO payments work for your business. MOTO transactions are a quick, convenient, and secure way to accept payment from customers remotely. Also known as ‘manually entered card payments’, these types of transactions are another way for merchants to grow their business. Unlike traditional card payments – where both the customer and their card are physically present – MOTO payments can occur anywhere. Businesses that accept MOTO payments aren’t reliant upon having a brick-and-mortar location for customers to visit, or even a website or online store. With Zeller, you can process MOTO payments in two ways – through Zeller Virtual Terminal on any computer, or via your Zeller Terminal . What is a MOTO payment? MOTO is short for Mail Order, Telephone Order. It refers to the act of processing a payment remotely – over the phone via a verbal request, or in writing via mail. Both of these scenarios are what’s known as card-not-present transactions, or CNP payments. Instead of a customer tapping, dipping, or swiping their card or another payment device to Zeller Terminal, the merchant will enter the card details and process the transaction manually. Typically, when a merchant processes a MOTO transaction, neither the card nor the cardholder is physically present – making it difficult to verify the purchaser’s identity. This lack of visibility increases the risk for fraudulent transactions to occur. For this reason, additional security practices are required to process MOTO payments. Which businesses benefit most from MOTO payments? MOTO payments are particularly useful for: Professional services such as consultants, accountants, and lawyers Home services such as electricians, plumbers, and cleaners Restaurants and cafés taking phone orders for takeaway or catering B2B businesses that take orders over the phone If you take orders remotely, whether frequently or sporadically, MOTO gives you the flexibility to keep your cashflow moving. How to accept MOTO payment with Zeller. To process a MOTO payment with Zeller Virtual Terminal: Log in to Zeller Dashboard and select Virtual Terminal . Choose the site you want to take the payment for (or create a new one). Enter the transaction amount and any notes you’d like to keep. Select Manually Enter Card as the payment method. Enter the customer’s card number, expiry date, and CVC. Review the details, then click Charge . The payment will be processed instantly, and you’ll see confirmation once it’s approved. Funds settle to your nominated account as usual. To process a MOTO payment with Zeller Terminal: On your device, tap the Mode button and then tap MOTO . You’ll notice that the payments screen turns blue to indicate that you’re now processing a MOTO payment. Enter the transaction amount. Tap Manual Charge. Verify the cardholder’s identity. Enter the card number, expiry date, and CVC then tap Next . Check the amount and card details are both correct. Tap Charge . You also have the option to default to MOTO payment. This is especially handy for merchants operating without a brick-and-mortar shopfront, or those processing a higher volume of MOTO payments. Simply update your Sites settings in Zeller Dashboard by toggling Default to MOTO on. To reflect the increased risk of fraud with MOTO payments, you can require that a site PIN be entered before a MOTO payment can be processed by toggling Require site PIN on. Are MOTO payments safe? MOTO transactions carry more risk than face-to-face or online payments, because the cardholder isn’t physically present. However, with the right tools and processes, they can be processed securely. How Zeller protects your MOTO transactions Zeller provides multiple layers of protection to reduce the risk of fraud and chargebacks: Mandatory CVV input – requires the three-digit code on the back of the card Address Verification Service (AVS) – checks that the billing address matches the cardholder’s bank records 3D Secure authentication – adds an extra layer of verification for suspicious transactions Tokenisation – replaces card details with encrypted tokens to protect sensitive information These safeguards help keep both your business and your customers secure. Best practices for secure MOTO payments To protect your business when processing MOTO transactions: – Confirm the customer’s details and order verbally – Never write down or store card details manually – Only use PCI-compliant systems like Zeller Virtual Terminal – Be cautious of unusually large, urgent, or overseas orders – Watch out for red flags such as repeated declined payments, requests for third-party payments, or unusual quantities of products – Make sure billing and shipping addresses match where relevant – For higher-value or unusual transactions, consider extra safeguards such as a signed service agreement, clear refund policy, or asking for a copy of the customer’s government-issued identity documents (e.g. passport and/or driver's licence) – Always provide an emailed receipt as proof of purchase Visit our Support Centre for more information on the risks of accepting MOTO payments, and tips to help keep your business safe when processing manually entered card payments. How much do MOTO transactions cost? To cover the cost of measures put in place to protect against fraudulent transactions, Zeller's fee to process a manually entered card transaction is 1.7% – slightly higher than the flat fee of 1.4% applied to in-person card payments. A more secure alternative: Zeller Payment Links Instead of taking card details over the phone, you can send a secure payment link via SMS, email or any other platform (e.g. WhatsApp, Messenger, Telegram, etc). Your customer clicks the link, enters their own details, and completes the payment in a PCI-compliant environment. This reduces your exposure to fraud, builds trust with customers, and gives your business a more professional edge.

Blak Brews began with a van, a few market stalls, and a bold ambition – to put culture, wellness, and native Australian ingredients into people’s hands, and into their cups. “There wasn’t a blueprint for what we were doing,” says co-founder Troy Benjamin. “We just built it as we went.” Troy and his partner Cerisa launched Blak Brews from their home in Geelong, blending teas by hand and selling them direct to the public at festivals and pop-ups. From the start, they knew they had something unique. “It was very DIY at first,” Cerisa says, “but people connected with it quickly. We believed in the product, and that made the hard work worth it.” Two years on, Blak Brews has evolved into a thriving business with national reach. Their range of native teas and coffee blends is stocked in high-end venues, airport cafés, and independent retailers across the country. They’ve won Gordon Ramsay’s Food Stars Australia, launched their flagship venue – Booln Booln Café – and built a team to keep pace with growing demand. Celebrating culture over a cuppa. For Troy and Cerisa, Blak Brews is more than a product – it’s a way to connect people with culture. Troy’s heritage includes Tati Tati, Wadi Wadi, Muti Muti and Wamba Wamba ancestry. Cerisa’s roots span Gurindji, Jawoyn and Walpiri Country. Their aim has always been to celebrate native ingredients and their significance, and that’s exactly what they’ve achieved with Blak Brews. “From day one, we wanted to show people that native ingredients can be premium, functional, and world-class,” says Troy. “We’re doing that now on a bigger scale, but the drive hasn’t changed.” The early days were all hustle, hand-blending at home and building the brand from scratch when no one else knew what a native tea company could look like. “We started from the ground up,” says Troy. “Small stalls, long days...but we backed ourselves.” From pop-ups to a permanent space . Winning Food Stars Australia in 2024 gave Blak Brews a big burst of visibility – and a financial runway to grow. The couple used the momentum to open Booln Booln Café, a light-filled space in central Geelong that serves jaffles, native teas, coffee and community connection. When it came to choosing a payment system, Zeller was an easy choice. “Zeller just felt like a clean fit for what we needed at Booln Booln,” says Troy. The recommendation came from their POS provider, Whoods , who pointed Troy and Cerisa to Zeller as a powerful, stylish and easy-to-use solution. “We wanted a simple, modern payment system that was easy for staff to use and looked sharp on the counter,” says Troy. “Zeller ticked those boxes.” Keeping up with fast-paced operations . Between wholesale, retail, the café and events, there’s always a lot happening at Blak Brews. “It’s full throttle,” says Troy. “We’ve got wholesale, retail, café operations, events, media...all running at once. But we’ve got a solid team. My focus is on building the brand, big-picture strategy, and making sure we keep growing the right way.” Cerisa adds: “There’s a lot going on behind the scenes. Keeping things moving across multiple channels takes constant coordination, but we’ve built systems that work for us.” At Booln Booln, one of those systems is Zeller, which runs the café’s daily transactions with zero disruption. “For Booln Booln Café, Zeller has been solid. Clean interface, easy for staff, and no hiccups,” explains Troy . Fast payments, smooth reconciliation . Reliable, fast payment processing is critical when you’re running a venue with steady foot traffic and short order turnaround. Zeller’s fast settlement cycle helps the team keep the café running without delays or hold-ups. “The quick settlement definitely helps – especially when you’re running a physical café,” says Troy. “It keeps things flowing without delays.” Cerisa agrees: “It’s reliable, which makes a difference when you’re managing a venue that sees consistent foot traffic.” For customers, the experience is seamless. Whether they’re grabbing a coffee or sitting down for a meal, they can pay quickly and get on with their day – no fuss, no queue. “It’s fast and clean and that’s all most customers care about,” Troy says. “You’re not holding people up at the till, which matters when there’s a line.” A payment system brewed for ease . Zeller’s industry-leading reliability has helped to keep things streamlined at Booln Booln Café. The café team can focus on customer service, not device troubleshooting. And for Troy and Cerisa, knowing the system just works gives them one less thing to worry about. “The café runs its own ship day to day,” says Troy, “but yeah – knowing we’ve got a system in place that’s consistent and low-maintenance means one less thing for us to worry about.” So what’s been the biggest benefit of using Zeller? “It works,” says Troy. “That’s it. No glitches, no learning curve. Our team picked it up quickly, and it hasn’t let us down.” Advice for other growing businesses . Blak Brews is scaling strategically – building long-term partnerships, growing global reach, and staying grounded in the values that started it all. “We’re scaling up our global presence, locking in some major long-term partnerships, and continuing to grow the brand while staying true to who we are,” Troy says. “We’ve built something strong,” Cerisa adds, “now it’s about maintaining quality and expanding the right way.” Their advice to other business owners looking for a smooth start with payments? “If you’re opening a venue and want something that just works from day one,” says Troy, “Zeller’s a solid option. No drama, no overthinking.” Zeller’s helped them stay focused on what matters most – serving customers, sharing culture, and keeping the blend just right.

From customising your Zeller Debit Card with a logo to promoting an offer on the screen of Zeller Terminal, or adding a QR code to your receipts: Zeller ensures your brand is central to your payments and finances. A strong brand doesn’t have to mean a big one. Even small businesses are able to derive as much benefit from a recognisable brand identity as major international companies, it’s all a question of scale. The beauty of building your brand as a small business is that you don’t have to go to huge lengths to achieve it. You just have to be consistent. Emphasising your brand at every customer touch point – whether it’s a simple logo printed on your napkins or the colour of your bathrooms – can leave a lasting impression. In this article, we offer you four innovative ways to integrate your brand into the payment process, whether you're selling or buying, to engage customers or vendors with your business. 1. Personalise Zeller Debit Card with your business logo. Regardless of whether you’ve been in business for three years or three days, good branding gives the appearance of being well-established and of higher quality. It’s why adding your logo to your Zeller Business Debit Card or Zeller Corporate Cards is a great way of communicating professionalism to everyone you’re paying. Nothing says “we have our finances in order” like flashing a branded business debit card in front of a supplier. There will be no doubt in anyone’s mind as to the credibility of your business, nor will you ever accidentally pay for a business expense with your personal credit card.  For business owners running multiple venues, being able to visually distinguish each card ensures expenses are paid for with the correct account, reducing reconciliation errors. Similarly, for companies with multiple employees, expense management is made simpler by labelling corporate cards by team or purpose and with a colour to match. All Zeller cards can be created and personalised online in minutes and linked to your chosen Zeller Transaction Account . Virtual cards are ready to use the very same day, and physical cards will be delivered securely via Australia Post to your business address fast.  To add a logo to a Zeller Debit or Corporate Card: Open Zeller Dashboard and navigate to Cards Create a new card and assign a cardholder + linked account Add a card label (optional) Upload your logo Review and create card Find out more about supported specs and dimensions here . 2. Add a custom screensaver to Zeller Terminal. Even when Zeller Terminal goes to sleep, it keeps working for your business. You can set a custom screensaver that will appear on your Terminal screen when it’s not in use. While customers wait for you to scan their items or pull up their order at your point-of-sale, it is the perfect opportunity for you to engage them with your brand. Whether you’ve got a new offer to promote, need to remind customers to place their Christmas orders, or want to highlight a new product or item on the menu: the large, digital screen on Zeller Terminal is the perfect place to do it. Any image can be uploaded, as long as it is sized correctly (320 x 496 px). By incorporating a QR code into the image you can invite customers to sign up to a newsletter, referral program, or competition. This is a great way of bolstering your mailing list with people you know have already interacted with your business. However you choose to use Custom Screensavers on Zeller Terminal, it’s a great way to maintain brand consistency throughout your premises. When you upload a screensaver via Zeller Dashboard, there’s no need to update each Terminal individually, it will automatically update to all the Terminals operating within the site you have selected. By featuring your logo, as well as colours and fonts consistent with your style, a slogan or key message; you will emphasise your brand identity just before your customers walk out the door. To upload a Custom Screensaver: Open the Zeller Dashboard and navigate to Sites Locate and click the site to see its settings Click the Appearance tab Upload your logo Select a background colour (Zeller will automatically recommend some colours based on your logo) Click Save All Zeller Terminals within the site will display the image when in sleep mode 3. Keep customers engaged with branded receipts. Whether they’re printed or sent digitally as an email or SMS , receipts can be used in clever ways to help drive return business or help your customers connect with you. With Zeller, you can add a custom image at the top of the receipt, where a simple logo and/or QR code will catch people’s eye. Below this, you can add in your business details, so your customers know how to contact you, as well as your social media handles. In the case of digital receipts – these are live links that will take customers directly to your social profiles. There are two spaces, above and below the purchase details where you can add a message of 500 characters or less. You could include a brief history of your business, details of a competition you’re running, or a message or slogan that aligns with your brand. Much more than a simple proof of purchase, receipts are an innovative marketing tool that can be leveraged to instil your brand messaging. 4. Align your invoices to your brand identity. You don’t necessarily need a shop front to create a strong brand. Having a clear, identifiable web presence will set you apart from your competitors, and ensure your business is the first that comes to mind when your service is required. Or even when it’s not! Your online presence doesn’t end at your website. Every interaction with your customer is an opportunity to remind them of your brand, and invoices are no exception. Zeller Invoices provides you with the best of both worlds: the ability to create and send invoices quickly, but also the flexibility to customise them to align with your brand. With different colours and layouts to choose from, space for your logo and a custom message, your clients will be able to instantly recognise your business and your service. Not only does this make it easier (and therefore faster) for your clients to pay you, but they’ll associate the service with your brand, and are much more likely to return to you next time. Bringing your brand to life across the payment process is just one of the many ways Zeller lets you tailor your financial solution. With many different ways to take payments, make payments and manage your money, Zeller’s tools are designed with the flexibility and versatility to adapt to your business. Find out for yourself by signing up for a free Zeller Account today or by contacting our Sales Team to learn how Zeller could be a great fit for your business, and your brand.