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Zeller

Zeller

UK small and medium businesses, such as hospitality and retail, that want card machines with built-in POS plus a free business account and cards without monthly fees.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

5 shared

1 unique to Zeller · 14 unique to A-Pay
On fees

Zeller publishes In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts. from. A-Pay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
5 features · 20 payment methods · 6 regions. We don't rank these — they're here for reference.
Zeller Zeller
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts.
Custom
Settlement
Time to receive funds
Same day
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Pos Unique
✓
—
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Zeller is best when you...

UK small and medium businesses, such as hospitality and retail, that want card machines with built-in POS plus a free business account and cards without monthly fees.
View Zeller

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Zeller
Need High Risk Accepted
Not available with Zeller
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Zeller doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Zeller and A-Pay?
They share 5 payment methods and 0 regions. Zeller adds POS that A-Pay does not list; A-Pay adds ACH, Alipay, Bank Transfer and 11 more that Zeller does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Zeller or A-Pay?
Zeller has published rates from In-person payments: 1.3% (excludes American Express — even lower rates for larger businesses). Other cards: 1.99% for American Express, business, and international cards. MOTO payments: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards. Invoice and virtual terminal transaction fee: 1.5% for domestic Mastercard and Visa cards, 2.4% on all other cards; £0 subscription fee; settlement fee free. Zeller Terminal 1x £99 + VAT; Zeller Terminal 2 £149 + VAT. Business account free; Expense cards: first card free, additional cards £5/card per month (ex VAT). No set-up fees, monthly fees, or lock-in contracts.; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Zeller and A-Pay?
Zeller lists 0 regions and 6 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Zeller and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Zeller does not list one; A-Pay supports webhooks; Zeller settles in Same day, A-Pay in 1–2 business days.

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