Three names dominate the Australian EFTPOS conversation: Square, Tyro, and Zeller. Each has genuine strengths, but they serve different business types. This comparison looks at each provider honestly — fees, terminals, support, and trade-offs — so you can make an informed decision.

Pricing Comparison

Square charges a flat 1.6 per cent per transaction with no monthly fees. Simple and predictable, but the highest base rate of the three. Zeller charges 1.4 per cent per transaction with no monthly fees. Competitive and transparent — the published rate is the rate you pay. Tyro starts from around 1.4 per cent but this is a negotiated rate — small businesses without significant volume may pay more. Add $29 per month for terminal rental.

On $15,000 per month in card sales, the annual fee difference is significant: Square costs $2,880/year, Zeller costs $2,520/year, and Tyro costs approximately $2,520-$2,880/year plus $348 in terminal rental.

Terminal Hardware

Square offers the Reader ($59, phone-paired), Terminal ($299, standalone), and Register ($799, dual-screen). Zeller offers the Terminal 1x (~$99 on promotion) and Terminal 2 ($199), both with built-in POS capabilities. Tyro offers the Go ($59, basic reader) and Pro series ($29/month rental, full-featured terminals with countertop, portable, and mobile options).

POS Integration

Tyro integrates with 450+ POS systems — the strongest in the Australian market for third-party integration. Zeller integrates with 600+ POS partners. Square integrates with fewer third-party systems but has its own comprehensive POS ecosystem. If you already have a POS system, check compatibility. BuzzPay integrates with 900+ systems — the widest coverage in