Best Apps for Tradies: Essential Tech for Your Toolbox

Manage all of your Zeller products from one app. The Zeller App is one app to manage all of your business finances — accounts and cards, EFTPOS and payments, reporting and expense management, and more. No matter where you are, you can view, track, transfer, and make important decisions about your business finances all from your smartphone or tablet with the new Zeller App. Whether you're selling face-to-face or online; starting up or scaling up; a sole trader, or managing multiple locations, Zeller will help your business run better. Zeller’s suite of financial services products gives you the fastest access to your funds and real-time oversight of it all from one place. When it comes to managing your finances, and payments, Zeller gives you more time back and makes managing and saving your money easier. Keep reading to discover how the Zeller App helps you stay on top of it all. Accounts: replace your outdated business bank The Zeller App is a financial services solution that utilises all of the benefits of mobile technology to enable on-the-go management of your business finances. Unlike clunky business banking apps offered by the big-4 banks — which offer little more than the ability to view your account information and initiate transfers — the Zeller App gives you complete control over your business Transaction Accounts from wherever you are. You can create and manage multiple Zeller Transaction Accounts right from the Zeller App in a few clicks. Accounts take just seconds to set up; you could have a main account to settle funds into, another to store funds for business supplies, and another for discretionary purchases by managers. Use your Zeller Transaction Account BSB and Account Number to make fast, real-time transfers between accounts or to pay suppliers or employees, right from the App — or invite third parties to send funds to your account using those details and track it all with the Zeller App. With up-to-the-minute Xero Bank Feeds for streamlined bookkeeping and reconciliation; a powerful in-built contact directory to track who’s spending with you, as well as the businesses you’re spending with; and the ability to attach receipts, invoices and notes to transactions, the Zeller App enables you to manage your business Transaction Accounts on the go. Cards: track business spending and employee expenses Your Zeller Transaction Account can be linked to one or multiple physical or virtual Zeller Debit Cards . With the Zeller App, you can manage, order and issue Business Debit Cards for you and your team, right from your mobile phone. Virtual cards can be set up and activated in minutes, so your team can spend business funds as needed. Once you’ve activated at least one Zeller Debit Card, you can: select and change which Transaction Account your Card draws funds from manage Card security, including updating your PIN, and activating, locking, or cancelling a Debit Card in the event it is lost or stolen track and control employee spending, and manage expenses — easing the pressure on your bookkeepers assign contacts, attach receipts, and add notes to card payments to better understand your business spending and much more. Zeller gives you everything you need to do to take control of your business spending, all in one powerful mobile app. Payments: track sales across your entire business When you use Zeller Terminal to accept card payments, you have the ability to track EFTPOS payments in real-time across every site or  location from the Zeller App. Real-time transaction lists and reports show you exactly how money is flowing into your business — including time-stamps for each customer payment as well as details about the method of payment, and the business Transaction Account that your funds are being settled to. Funds accepted via Zeller Terminal are settled nightly to your chosen Zeller Transaction Account, 365 days a year, for fast cash flow. Track every settlement via the Zeller App, and transfer funds between your accounts instantly so you can spend money as and when you need to. Dashboard: real-time business financial reporting The Zeller App gives you a complete, real-time overview of your business finances with powerful reporting on transactions, payments, sales, transfers, Zeller Transaction Accounts, Debit Cards, spending, and expenses across your entire business. You can manage multiple businesses from the one location, and gain total oversight of business finances from your mobile phone. Having instant access to quick insights about the financial health of your business empowers you to be able to make smart, fast decisions about your business — from wherever you are. Get started today Download the free Zeller App , create your Zeller Account online in minutes, and you’ll instantly be set up with a free, fully-featured business Transaction Account — with no hidden fees or need to visit a bank. Zeller App is available to download for free from the Apple App Store and Google Play store , to compatible Apple and Android smart devices. Then, if you process over-the-phone or in-person payments, purchase Zeller Terminal from Zeller Shop, with free express shipping and same-day dispatch.

No EFTPOS machine? No problem. All you need is your iPhone and Zeller App. Welcome to the future, where transactions can be made instantly, contactlessly, securely, and now without any additional hardware. Whether you’re a sole trader or a fast-paced business looking for a flexible back-up solution, Tap to Pay on iPhone , which is now enabled in your Zeller App, lets customers pay you easily on your iPhone. To learn more about how to enable Tap to Pay on iPhone click here. Powered by Zeller’s industry-leading smartphone app , this new solution to accept contactless payments includes all the Zeller functionality you know and love, including tipping, surcharging, transaction notes, digital receipts, sales tracking and more. With a straightforward set-up process and one low, flat transaction fee for all cards, Tap to Pay on iPhone and Zeller App does away with complex paperwork, branch visits and fee schedules, instead affording you the ability to take payments quickly and simply. Read on to discover everything you need to know about this cutting-edge tool and how you can get up and running in a matter of minutes. Not an iPhone user? Learn about Tap to Pay on Android here. What is it? Tap to Pay on iPhone is a payments feature, now available on the Zeller App , that lets you accept contactless payments on your iPhone, without the need to invest in an EFTPOS terminal. Customers can simply tap their credit or debit card, Apple Pay, or digital wallet to your iPhone, and/or enter their card PIN number, just like they would do on a regular EFTPOS machine . In this case, the transaction is accepted using EMV Contactless technology. How does it work? Once you’ve signed up online for your free Zeller Account, downloaded the Zeller App to your iPhone, and set up Tap to Pay on your device (see below) accepting contactless payments is a breeze. Simply tap on ‘Tap to Pay’ in the sidebar, key in an amount, present your iPhone to your customer who can pay using a physical card or digital wallet, and wait for the transaction to be approved. It’s as simple as that. Do all iPhones have Tap to Pay? Currently, the feature is available to all users with an iPhone XS or later, using iOS 16.4 or later. It’s important to note that in order to use Tap to Pay on iPhone, users must be signed in to their iPhone with an Apple ID. How much does it cost? Zeller charges one low, flat fee of 1.4% per transaction, for all card types — including American Express. However, businesses have the option of passing on this fee to their customers through surcharging . Businesses can choose to toggle surcharging on or off via the Zeller App or Dashboard. Who is it designed for? Tap to Pay on iPhone and Zeller App is a flexible solution that can be used by all types of businesses, but is especially suited to those whose payment processing requirements don’t justify a full-scale fleet of EFTPOS terminals or advanced features such as Integrated EFTPOS , Pay at Table or printed receipts. What solution you choose will largely depend on your volume of customers and your specific business needs. If you run a busy bar, having a hard-wearing EFTPOS machine on the counter is naturally a better choice. However, for sole traders on the move or smaller businesses such as market stalls, boutiques or clinics with a need for only one or two payment terminals, Tap to Pay on iPhone and Zeller App is an ideal solution. Regardless of your business size, having the Tap to Pay on iPhone feature set up can give you peace of mind, knowing that you’ve got a quick and easy backup option if you ever need one. What about receipts, refunds, and tipping? Tap to Pay on iPhone with Zeller App does not compromise on functionality. Digital receipts can be sent to your customers via text or email; the tipping option can be toggled on, which automatically presents your customers with the option to leave a tip; and users will be able to process refunds directly from Zeller App. What’s more, transactions can be assigned to a contact and notes can be left, making reconciliation a breeze later on. What cards are accepted? Tap to Pay on iPhone and Zeller App accepts contactless payments for all major cards including Mastercard, Visa, American Express, Apple Pay, and a range of other digital wallets including Samsung Pay and Google Pay. Is Tap to Pay safe? Tap to Pay on iPhone uses the built-in features of iPhone to help keep your business and customer data private and secure. When a payment is processed, Apple doesn’t store card numbers on the device or on Apple servers so combined with Zeller’s industry-leading security, you can rest assured knowing your business and customer data is protected. Is Tap to Pay available on Android? Yes it is! Click here to learn how Tap to Pay works on Android . Get started. If you’re not yet using Zeller, you will need to create your free account first . This can be done on a desktop or mobile device in a few minutes. Then, simply download the Zeller App. If you already have a Zeller Account , log in to the Zeller App. Once on the app, follow the prompts to begin your set up and start taking payments in minutes.

Can you take contactless card payments with just your mobile phone? Yes! Until last year, 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, 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.