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.

If you have to get in a car or truck to travel to your customers, this article is for you. Whether you’re grooming dogs, running bootcamps, cleaning houses, offering home-based beauty treatments, or selling from a market stall: how you configure your payment system will be distinctly different from a standard bricks-and-mortar business. This article will outline the simplest and most affordable way to take payments instantly and manage your business finances, all from a single app on the smartphone you already own. Goodbye cash, invoicing, and bank transfers. Hello instant on-the-spot payments on your smartphone. Just because you run a mobile business, doesn’t mean you have to wait to get paid, nor do you need to purchase an EFTPOS machine designed for countertops. If you travel to meet your customer, you’ve got an opportunity to get paid on the spot, with no extra hardware, and no need for follow-up invoices (aka late payments). Today, the best solution for mobile merchants and market stall holders is to accept contactless card payments on a smartphone .  Introducing: Tap to Pay In Australia, the ability to use your smartphone like a payment terminal is known as Tap to Pay and is available through payment apps such as Zeller, for use on both iPhone and Android devices. Using NFC technology (the same technology behind mobile wallets), apps like Zeller can turn your phone into an EFTPOS machine, allowing your customers to simply tap their card or digital wallet to your phone. What is the most affordable Tap to Pay solution? In Australia, the most affordable and comprehensive Tap to Pay provider is Zeller. With one flat rate of 1.4% per tap for all cards, including American Express, no hidden fees or lock-in contracts, and the ability to automatically pass on the per-transaction fee with a surcharge, Zeller’s solution provides businesses with the most value for money. While other providers such as Westpac, ANZ or Tyro offer similar rates, their pricing is not wholly transparent and the sign-up process is lengthy. Furthermore, they require a separate app to use the Tap to Pay feature, while Zeller offers it as a built-in function within a single app, where you can also manage your accounts, cards, invoicing, tracking, and more. Meanwhile, Square offers a service similar to Zeller's, but at a higher rate of 1.6%. Other providers include NAB, SumUp, Pebl and Airpay, however their solutions are often only compatible with either Android or iPhone and frequently involve higher per-transaction fees and lock-in contracts. Why is Tap to Pay with Zeller the best payment system for mobile businesses? When you sign up to Tap to Pay with Zeller, you also benefit from Zeller’s whole ecosystem of financial tools to help manage your business finances, including (but not limited to) a free transaction account, debit card, and tools for sending online invoices and getting paid online with convenient payment links. If you’re not already convinced, here’s every reason why Tap to Pay with Zeller App is the top-rated payment solution among mobile merchants and market stall holders:  1. You already own the hardware, simply download the app.  By using your smartphone, you eliminate upfront hardware purchase costs, monthly terminal rental fees, and maintenance overhead. Plus, you don’t need to worry about carrying another device. Your payment solution is in your pocket.  2. You can accept all contactless payments. Tap to Pay caters to all customer preferences by accepting contactless debit/credit cards, Apple Pay, Google Pay, and other digital wallets. 3. The pricing is simple and predictable.  Zeller’s easy-to-understand pricing makes financial planning and reconciliation simple. Tap to Pay with Zeller App incurs a simple 1.4% per-transaction fee, which can be passed on to your customer automatically by toggling surcharging on. There are no hidden fees or lock-in contracts. 4. Employees can accept payments on their smartphones from the same account. If you have multiple staff members, they can take payments on their own devices (Android or iPhone) all with the same single business account. Plus, with Zeller, you decide what each team member can access, keeping sensitive account information protected. 5. You gain access to a free point-of-sale system. With Zeller POS Lite, you can build and manage a library of items by adding details like name, description, price, and image. This makes checkout faster, allows you to issue itemised receipts, and is especially helpful for businesses that sell a wide range of products or process refunds. You can also import a pre-existing item library instantly to your Zeller Account via a CSV file upload.  6. Your funds are ready to use straight after making a sale .  If you choose to settle your funds into Zeller Transaction Account , you will have instant access to your funds, which you can spend immediately using Zeller Debit Card . Alternatively, settle funds into a third-party bank account and access your funds the next business day.  7. You can send digital receipts to your customers via SMS or email. Not having an EFTPOS machine does not mean compromising on professionalism or efficiency. Tap to Pay lets you offer customers paperless digital receipts, simplifying record-keeping.  8. You can accept payments over the contactless limit with a PIN entry.  Tap to Pay allows you to securely accept payments, even those above the standard contactless threshold of $200. Customers are invited to simply enter their PIN on your phone's screen.    9. You can use the service as much or as little as you need (it won’t cost you). With no lock-in contracts or exit fees, you can use Tap to Pay whenever you need to – whether that’s once a week, once a month, or once a year. It’s a solution that is as flexible as your business, and is especially good for market stall holders that operate seasonally.  10. You can track sales and manage transactions with a user-friendly dashboard.   Log in to your Zeller Dashboard or Zeller App to access a comprehensive overview of all your received payments and expenses paid for with your Zeller Debit Card. With all your business finances consolidated, you can easily access detailed analytics and trend reports. 11. You can integrate Zeller with your Xero accounting software. When you accept payments with Zeller, every sale and settlement can be easily reconciled in your Xero accounting software with a Xero Bank Feed integration . You no longer need to worry about manual transaction imports, all your settlement data will appear directly in your Xero account.   How secure is Tap to Pay with Zeller App? Zeller Tap to Pay uses the same secure NFC technology as in-store terminals, and is fully compliant with the Payment Card Industry Data Security Standard (PCI DSS). Transactions are encrypted end-to-end and processed in real time, so there’s no delay and no doubt. No sensitive card information is stored on your device, which means every tap is protected for both you and your customers. How do you get set up with Tap to Pay? Zeller Tap to Pay works on any Android phone with NFC, as well as any iPhone XS or later running iOS 16.4 or higher. You’ll also need a Zeller Account (free to set up) and internet access (Wi-Fi or mobile data). That’s it! No other hardware required. Follow these steps to get started:

When Tiffy Sze opened Goldilocks Rooftop Bar in 2012, she never imagined that, within a decade, she'd have multiple hospitality venues to her name. Now, Tiffy Group comprises four thriving venues in Melbourne – Goldilocks , Hunter and Hound , Mirror Mirror and Little Red's – with plans for more on the horizon. Scaling from one bar to four was always going to have its challenges, and while expanding, it became clear to Tiffy that a consolidated business structure was needed as day-to-day operations had simply become too much for one person. "In the beginning, I handled everything myself. But after starting a family, I knew I couldn't be everywhere at once,” says Tiffy. With multiple venues to oversee, Tiffy needed a centralised team as well as a financial and payments solution that could keep pace. That’s where Zeller’s new multi-entity dashboard came in. It gives Tiffy and her finance team a single login to view all transactions, payments and settlements across every venue. They can see how the group is performing as a whole in real-time, compare venues at a glance, and drill down into the detail at a site or even terminal level. “I set up Tiffy Group as a head office, with dedicated roles for operations, marketing, functions, and accounts. Having well defined roles and a clear hierarchy has helped streamline the business and let me balance work with family. On top of this, Zeller has changed the way we manage our finances and operational processes, making them faster and more accurate. It’s genuinely made my life easier.” Cheers to a culture that lasts. With hospitality notorious for high staff turnover, Tiffy has prioritised building a supportive workplace culture across her venues. "Happy staff means happy customers. I've always prioritised a friendly, supportive environment where everyone feels valued," she says. "I like to do fun things to keep the team happy and engaged. For example, last year, we took the team to the hot springs in Daylesford for a weekend away, and at night we took over the hotel and played a large-scale murder mystery game in the dark. Fun things like that help keep morale and retention high." Tiffy believes a positive workplace directly translates to better customer experiences. "People’s energy affects those around them. If staff aren't happy, customers can tell. We make sure staff feel appreciated and offer plenty of growth opportunities, like training and career development whenever we can." Before Zeller: manual reconciliation headaches. Before Zeller, Tiffy's team juggled multiple disconnected systems to reconcile the financials of each venue. "Our bookkeeper had to manually match EFTPOS dockets with POS reports and bank statements every single day. It was slow and tedious, especially across multiple venues," says Tiffy. "Every venue needed to print out dockets, and the bookkeeper had to cross-check everything individually. We tried different EFTPOS providers and systems, but none integrated well with our Impos POS. There were always discrepancies and tech issues, leading to constant frustration." Tiffy recounts incidents when poor integration created operational chaos: "Some providers promised smooth integration, but it was always a nightmare. Systems went down, tills didn't match, and the kitchen would lose orders. It became obvious that we needed a more reliable solution." Switching to Zeller for streamlined multi-venue management. After switching to Zeller, Tiffy immediately saw improvements thanks to its seamless integration with Impos and user-friendly multi-entity dashboard. "Zeller syncs directly with Impos, so transactions match perfectly. It has dramatically cut down errors and removed the daily paperwork headache. Now my bookkeeper and operations manager can log in from the office and quickly see each venue’s finances in one place. No more shuffling through dockets," Tiffy explains. "It's also much easier for me, because I don't have to be the middle person between the venues and our finance team. Everyone can access the information they need directly." "Before, we had to physically collect dockets from each venue, but now we can handle everything remotely. It’s not just easier, it’s faster and much more reliable. If there's ever an issue, we can spot it instantly in the Zeller Dashboard and resolve it quickly." When asked if she'd recommend Zeller, Tiffy doesn't hesitate. "Absolutely. To anyone running multiple venues at once, I’d say this: Zeller simplified life for me dramatically, I’m confident it will for you too. Everything’s streamlined, accurate, and easy – it's an absolute no-brainer.” Saving time – and wages – with Zeller Dashboard. Reducing reconciliation time has significantly impacted the bottom line for Tiffy Group. "Zeller has genuinely saved us time, and in hospitality, saving time means saving wages. With less manual reconciliation needed, our bookkeeper can handle things much faster, saving money across the business," she adds. "It has freed up resources we can reinvest elsewhere." Rising costs, rising standards. Like most operators, Tiffy has had to navigate a tougher economic climate over the past couple of years, and she’s noticed its impact on customer behaviour. "With rising interest rates and economic pressures, customers have been more cautious with their spending. It’s definitely been tougher, but we're still performing well because we're not overly expensive. Even if people cut back, they still want a good night out every now and then, and we're there to make those nights memorable." Instead of seeing the current sluggish consumer spending as a bad thing, Tiffy sees the market pressures as an overall positive force, driving the quality of Melbourne’s hospitality industry up. "These challenging times mean only the best survive. Venues need to offer top-tier experiences to attract customers, and that pushes everyone to improve. We're constantly refining our offerings, service, and value to ensure we stay competitive." Sky’s the limit for future growth. Looking ahead, Tiffy Group is continuing to expand. "We've got exciting plans – a new rooftop bar and nightclub here in Melbourne is currently awaiting council approval. We’re extending an existing building to add two new levels, so there's plenty to keep us busy!" With a strong team in place and efficient tools like Zeller Terminal and Zeller Dashboard supporting the group's growth, Tiffy Group is well-positioned to continue thriving in Melbourne's vibrant hospitality scene. Cheers to that.

You asked for these features, we've just crossed them off our to-do list. This month, we've made some updates that will give your customers more flexibility at checkout and keep more money in your business. Our new item-by-item bill splitting feature will let diners enjoy a meal without the maths, while the ability to pass on invoice processing fees and to quickly add service charges will benefit your bottom line. Read on to find out more. Simplify checkout with flexible, item-by-item bill splitting. If you’re using Impos or Tevalis with Zeller Bill at Table , your staff can now split a bill by individual menu items right on the terminal. It’s quicker for mixed orders and removes the guesswork when settling who had what.  On your Zeller Terminal bill splitting screen you’ll now see three options: People, Amount, and Items. Choose Items to assign specific dishes or drinks to each diner and charge them separately. This new feature is available on both Zeller Terminal 1 and Zeller Terminal 2.  Recover invoice processing fees with a surcharge. When customers pay an invoice via the Zeller payment gateway, the processing fee is 1.7% + 25c. If you’d prefer not to absorb that cost, you can now pass on some or all of it to your customer and still get paid fast without waiting on a bank transfer.  From Zeller Dashboard on desktop, open Invoices → Settings and enable Surcharging. Choose full or partial surcharging for your invoices. Your choice applies the fee automatically when the customer pays. Cover higher operating costs with service charges . You can now add a service charge to POS Lite sales and Zeller Invoices. Define any charge that fits your business – the common ones are weekend or public holiday surcharges, though you can also use it for delivery or packaging fees.  Create your service charges in Zeller Dashboard. They’ll then appear as handy shortcuts when creating an invoice or on the payment screen of your terminal. Works with Zeller POS Lite on Zeller Terminal 2 and Zeller Tap to Pay.  Try these new features today. Log in to your Zeller Dashboard to try the updates, or test them with Zeller POS Lite from Zeller Terminal or Zeller App. Got ideas for what we should build next? Send them to feedback@myzeller.com – most of this month’s releases came directly from your feedback.

Can you take contactless card payments with just your mobile phone? Yes! Until 2024, accepting contactless card payments on your phone required you to have a mobile credit card reader either plugged into your phone or connected via Bluetooth. Now, thanks to the latest smartphone technology, you don’t need any extra hardware, all you need is a mobile app that's enabled with Tap to Pay technology, that allows you to accept card payments directly from your phone. What is it called when you take contactless card payments on your mobile phone? The process of accepting a contactless payment on your phone (using its inbuilt technology, not a mobile card reader) is known as ‘ Tap to Pay ’. This term applies to both iPhone and Android devices that are using a financial services app – such as  Zeller App  – to accept contactless credit and debit cards and digital wallets. Can you use any smartphone as an EFTPOS terminal? Only selected iPhone and Android smartphones, with built-in  NFC technology  will support Tap to Pay. What app lets you take EFTPOS payments on your phone? There are a number of different payment apps that can be downloaded from the  App Store  or  Google Play Store  that support Tap to Pay. Zeller App is a great option for Australian businesses looking for a simple, affordable, and scalable platform to accept EFTPOS payments and manage their finances as they grow. Merchants wishing to take payments on their phone will simply need to download their selected app, and follow the steps to configure their device. Once configured, they can then start accepting EFTPOS payments immediately. Is it safe to take EFTPOS payments on your mobile phone? Taking contactless payments on your mobile phone relies on ‘ Near Field Communication ’, or NFC – the same technology that is used for making payments with a mobile wallet. Account information is transmitted from a customer’s card or mobile wallet to the payment processor via radio waves within a very close range, and once received, the processor uses the information to complete the transaction. By virtue of the fact that NFC only works within a couple of centimetres, it makes it incredibly difficult for a potential fraudster to intercept the transaction and steal sensitive information. Tap to Pay on both Android and iPhone via the Zeller App offers highly secure contactless payments that adhere to global security standards. Both platforms support various card types, regularly verify device security, include secure PIN processes and use advanced technology to ensure every transaction is not only convenient but also protected, maintaining the privacy and safety of user information. Additionally, Tap to Pay on iPhone ensures secure transactions through Apple's unique features, such as issuing decryption keys after thorough validation and leveraging the iPhone's built-in security element. How much does it cost to take contactless card payment on your mobile phone? Tap to Pay technology is facilitated by payment apps, each of which have their own pricing structures. The cost of taking card payments on your phone will therefore depend on which app you choose to process these payments. Zeller, for example, offers one low flat transaction fee of 1.4% for all cards, including American Express. The advantage of Zeller is that it is one of the few payment apps that also lets you pass the transaction fee onto your customer through surcharging . If you choose to surcharge, you will incur no fee whatsoever for accepting contactless payments on your phone. I need to take contactless card payments immediately, what should I do? If you want to be able to use your phone like an EFTPOS terminal within a few hours, it’s important that you choose a payment app that has a simple, online sign-up process. All the payment apps will require you to have an account with them first, and in the case of the banks, this will mean  opening a business bank account  which may take several days and an in-person branch visit. With Zeller, you can open an account online (or directly via the app), within a matter of minutes – no paperwork required. Once your Zeller Account is up and running, you simply need to download Zeller App, enable Tap to Pay on your device, and you’re ready to start taking card payments on your smartphone. What are the advantages of accepting contactless card payments on your mobile phone? It’s affordable Not all businesses can justify the upfront cost of an EFTPOS terminal, especially if they are not processing a large volume of in-person payments. Being able to use hardware that you already own is therefore a much more cost-effective solution. It allows new businesses or very small businesses to get up and running without the outlay of having to purchase an EFTPOS terminal. It’s mobile For mobile businesses that take in-person payments, having to carry a bulky EFTPOS machine around with you is inconvenient. Using your mobile phone as a payment terminal means you can keep it in your pocket and enjoy being hands-free. It’s great for emergencies For businesses that use a traditional EFTPOS machine, having an app installed and configured to take payments on your phone means that if there’s ever a day when your terminal lets you down or when you have a surge in customers, you won’t miss a beat. In the case of an outage or damaged EFTPOS machine, rather than having to revert to cash-only payments – which will almost certainly lead to lost sales in this day and age – you can keep trading as per usual by simply using your phone. Are there any other hardware-free payment options? In addition to Tap to Pay, there’s another simple solution for taking card payments instantly with no hardware required: Virtual Terminal. If you need a way to charge customers, but in-person payments aren’t possible, this is a great alternative.  Zeller Virtual Terminal  is a web-based tool that lets you take payments over the phone (as well as mail order, fax, or email) by manually entering a customer’s card details into your browser. Alternatively, merchants have the option of sending customers a secure payment link via email or SMS, where they can enter their card details themselves from their own device. Meet Zeller: an all-in-one financial services provider. When you  sign up for a free Zeller Account  today, not only will you be able to start taking card payments on your phone, you will also gain access to a suite of financial services, from a Zeller Transaction Account to debit cards, invoicing, virtual terminal and more. It only takes a few minutes to sign up, and it’s all done online – no paperwork or branch-visits required.

Good news for small businesses across the country, American Express’ popular Shop Small campaign is back this August. With it comes a limited-time offer designed to help you boost sales. Shoppers who register their eligible American Express Card can earn 5 Bonus Points for every dollar they spend with participating small businesses, up to 1,000 points. That means every merchant accepting payments from American Express card members in-person with Zeller Terminal or Tap to Pay can benefit from increased, frequent spend this month. It’s a strong incentive at a time when more Australians are actively choosing to shop local. In fact, according to a recent study commissioned by Roy Morgan , 73 per cent of shoppers plan to buy more Australian-made goods, and 84 per cent say they’re more likely to purchase when they know something was made locally. Whether you’re new to Shop Small or have taken part before, here are four simple, effective ways to help your business make the most of the campaign. 1. Check your listing. Ensure you're listed correctly as a participating business on the American Express Shop Small map . Accurate listings help customers discover you more easily and encourage new foot traffic through your doors. If your business is not listed, please reach out to Zeller Support on 1800 935 537 or email us at support@myzeller.com and we'll work with the American Express team to get you on the map. 2. Promote your Shop Small participation. Letting customers know that your business is participating in Shop Small this August (and what their benefit could be) will drive increased patronage. Display signage prominently at your checkout counter and on your windows. This instantly signals to American Express card members that shopping with your business comes with some extra benefits. American Express provides free Shop Small signage, including stickers and window decals. Order yours here under the "featured" tab. Clear signage can significantly boost visibility and increase customer visits. 3. Refresh your website, share on your socials. Update your website to announce your Shop Small participation, and mention the special August bonus points offered to American Express card members prominently. Also, check your Google Business Profile is up to date with correct opening hours, location details, and recent photos. 4. Engage your local community. Connect with your community by participating in any relevant local events and offering special Shop Small promotions. Community involvement makes your business memorable and encourages repeat visits. August is your chance to capitalise on the Shop Small buzz, so let your customers know you're participating and help them feel rewarded every time they shop local! Terms & Conditions: Amex Membership Rewards T&Cs here. Qantas Points T&Cs can be found here. Velocity Points T&Cs can be found here.