A Square vs. Zeller comparison

The best way of looking at Square vs. Zeller is to break down what each system offers. You can use either Square or Zeller to accept payments and manage your business finances, but there are more differences between Square and Zeller than similarities.

How Square works

Square makes it easy for your business to take credit and debit card payments – as well as payments using mobile wallets such as Apple Pay – in person or online. Square also provides a range of flexible business solutions that can be tailored to meet the specific requirements of the industry in which you operate. In addition to being an EFTPOS (Electronic Funds Transfer at Point of Sale) system, Square provides a robust set of solutions which include an Online Store, Appointments, Invoices, Inventory Management, Marketing tools and even Business Loans. In short, with Square in place, your business will have everything it needs to operate efficiently now and into the future.

How Zeller works

Zeller operates as a financial services and payments solution, allowing businesses to accept payments using debit and credit cards and other digital methods at their point of sale. Zeller’s EFTPOS terminal comprises a portable touchscreen device with in-built checkout software. This card machine also has a built-in receipt printer and, with the additional purchase of a SIM card, can be set up to operate remotely in any location via 3G or 4G.

Square vs. Zeller – a direct comparison table

Below we have set out a direct comparison of Square and Zeller, feature by feature to help businesses understand the key feature differences between the two. You’ll notice that Square’s ecosystem offers a range of additional tools outside of the basic payment and POS essentials, such as gift cards and in-person Afterpay acceptance. This allows businesses using Square to craft their own bespoke set of solutions depending on their needs.

In-person payments

The systems begin to diverge in the range of options on offer once we start to look at what each provides for taking and processing in-person payments:

  Square Zeller
Free POS App with no monthly fees
Yes
No
All-in-one POS system with
customer display and built-in software
Square Register - $1,099
No
Portable EFTPOS machine
with built-in receipt printer &
free, built-in POS software
Square Terminal - $329 Zeller terminal - $299
(POS integration available)
Countertop iPad POS stand with
built-in card reader
Square Stand - $149
No
POS hardware starting price Square Reader - $59 Zeller Terminal - $299
Afterpay acceptance in person
Yes
No
Physical gift cards
Yes
Yes
Offline mode
(Process card payments
without internet access)
Yes, with Square Terminal No – but 4G available for a fee

The biggest differences between the two systems come to light once we examine what each offers over and above basic point of sale payment processing. Businesses often need to be able to provide a seamless and secure system enabling customers to shop online, for example. Post pandemic, eCommerce is more popular than ever with Australian consumers, as shifts which accelerated during the pandemic such as online shopping and flexible delivery options become embedded as standard.

According to a report published by Australia Post in July 2022, a record 9.3 million households had shopped online during the financial year up to 30 June 2022, an increase of 200,000 on the year before. The number of online purchases made as a whole also grew by 12% over the year, while each month saw an average of 5.6 million households purchase something online: 1.5 million more than before the pandemic.

The implications are clear for any business – customers now expect omnichannel offerings from retailers, and any retailer that either doesn’t provide a robust and user-friendly eCommerce experience, or delivers one which is sub-par, will find itself losing out to competitors who are able to do better.

Online and remote payments

A quick comparison of Zeller vs. Square’s online and remote payments options:

  Square Zeller
Free online store
Yes
No
Website templates
Yes
No
Online ordering
for Restaurants
Yes
No
Photo Studio app for
item library and online store
Yes
No
Payment links
Yes
No
Invoicing software
Yes
No
Virtual Terminal to take
payments over the phone
or on your computer
Yes
No
Afterpay acceptance online
Yes
No
e-Gift Cards
Yes
No

Solutions designed for you

The table below lists the availability of various POS and business support solutions tailored to specific business categories:

  Square Zeller
Retail POS System
Yes
No
Restaurant POS System
Yes
No
POS System for
Appointments-based
businesses
Yes
No
Kitchen Display System
Yes
No
Loyalty program software
Yes
No
Email marketing software
Yes
No
Team management software
including rostering
and time tracking
Yes
No
Inventory management
Yes
No
Customer management
Yes
Yes

Cost comparison

  Square Zeller
In-person processing fee • 1.6% on Square Terminal and Square Register
• 1.9% on Square Reader or Square Stand

*Custom pricing may be available for businesses
processing over $250k per year.
• 1.4%

*Custom pricing may be available for businesses
processing over $250k per year.
No refund fees
Yes
Yes
No chargeback fees
Yes
Yes
No additional fees for
American Express
Yes
Yes
No hardware rental fees
Yes
Yes
Next day transfer as standard
Yes
-
(next day to
linked Zeller card)
Instant transfer -
access funds in minutes (for a fee)
Yes
No

*Competitive data on this page was collected as of 10 Aug 2022 and is based on information found on myzeller.com. This information is subject to change or update without notice. Square does not make any representations as to the completeness or accuracy of the information on this page.

Why businesses choose Square

There are numerous reasons why businesses opt for Square. Above all, it is a system which is designed to be flexible, secure and comprehensive. The in-store solutions are built for the way your business needs to operate in the real world. Square offers multiple POS hardware options, from the Square Register, a fully integrated payments and POS solution to the standard Square Terminal for in-person credit and debit card payments and the Square Reader, a tap-and-go device which lets you take card payments anywhere via your smartphone or tablet.

No matter which hardware you opt for, you’ll enjoy free POS App integration and a solution which is tailored to the specific requirements of your business. Whether you work in retail, a restaurant or an appointment-based business (such as a beauty salon) the Square solution is designed to offer exactly what you need. It’s a simple yet customised solution, offering multiple options designed to fit your business like a glove.

Offsite and online options

As previously pointed out, offering an online option for your customers is fast becoming an absolute must. The good news is that Square makes it simple to create that online presence, whether you have a bricks-and-mortar alternative or not. It costs nothing to build a website which can take orders, manage inventory, sell goods and book appointments, all of which are connected to your in-person POS systems. The Square online solution accepts every kind of payment and tracks all sales in a single place, making it simpler to administer a mix of online and in-person sales. The options include the ability to send a payment link to customers – quite simply the fastest way to get paid online – create a virtual terminal and make use of invoicing software.

The wider square ecosytem

Above and beyond the day-to-day services already outlined, Square offers an ecosystem designed to make it easier to run your business in the longer term. This includes access to business loans, advanced inventory management, a customer loyalty program and an online booking system. In simple terms, no matter how your business grows and changes in the future, Square will be able to cope and provide the system you need.

Everything you need to run your business, anywhere, anytime.

Square has all the tools you need to reach your customers and grow your business, whether in person, online or both.

Set up a free online store that seamlessly syncs with your in-person sales, items and customer management.

Send an unlimited number of invoices, estimates or recurring invoices to request payments for goods & services.

Square Point of Sale is simple to set up, easy to use and has no monthly costs, you only pay processing fees.

Keep new and existing customers coming back with Marketing and Loyalty tools that grow your business.

Simplify your day with our web-based appointment scheduling software and app.

Streamline your operations with Square for Retail’s advanced Inventory & vendor management, reports, purchase orders, barcode label printing, and more.

Our restaurant POS system is built for speed. From menu management to coursing, every tool helps your team move faster.

Get your money deposited in your bank account as fast as the next day or instantly for a fee.

Hardware for selling anywhere.

Square Reader

The fastest and most secure way to pay. Accept chip and PIN cards, contactless payments, Apple Pay and Google Pay. An easy solution for your on-the-go business.

Square Terminal

The all-in-one portable EFTPOS machine that lets you accept all kinds of payments easily and print (or email) receipts – the perfect solution for tableside services.

Square Register

The fully integrated touchscreen point-of-sale that lets you start selling right out of the box. Manage card and contactless payments, online sales and more, all from one POS register.

Square Stand

Turn your iPad into a powerful point of sale with payments built in. In a swivel, Stand becomes a customer display, so you can sell accurately and customers can confirm their total and pay.

Frequently Asked Questions