Compare

Pay Advantage vs Zeller

Zeller pairs a business account with card terminals for taking payments in person. Pay Advantage is for collecting payments without a terminal — recurring direct debits, invoices, payment links, PayID and BPAY.

A Pay Advantage card payment form on a phone
A $1,000 card paymentWhat it costs you
  • Pay Advantage$14.78
  • Zeller$17.75 $2.97 more than Pay Advantage
Published rates, GST included. Checked 27 October 2026.

Fees compared

Pay Advantage and Zeller fees, side by side.

As published on Zeller’s Australian pricing page on 27 October 2026. Zeller states its prices include GST.

Compared on a $500 paymentColoured figures show how much more or less each provider costs than Pay Advantage. Red costs you more, green costs you less.

Pay Advantage and Zeller fees by payment method
PaymentPay AdvantageZeller
Card payment (domestic)28¢ + 1.45%25¢ + 1.75%$1.47 more than Pay Advantage on a $500 payment
International card28¢ + 3.3%Not published
Tap to Pay / in personComing soon1.4%
Direct debit from a bank account88¢Fixed costNot published
PayID48¢Not published
BPAY$1.98Not published

— No published price for this payment.

Pay Advantage fees include GST. A monthly commitment is required to qualify for published pricing, and rates may vary with volume and underwriting.

Features compared

What you get, beyond the fees.

Taken from each provider’s own website, including where they offer more than we do. A tick means the feature is listed there, a short note means it comes with a catch, and a dash means we couldn’t find it — the provider may still offer it.

Features offered by Pay Advantage and Zeller
FeaturePay AdvantageZeller
Ways to get paid
Visa and MastercardYesYes
American ExpressYesYes
Apple Pay and Google PayYesNot listed
Bank account debitYesNot listed
PayIDYesAccount PayID only
PayToYesNot listed
BPAYYesNot listed
Buy now, pay laterNot offeredNot listed
Card terminals or Tap to PayComing soonYes
Point-of-sale systemNot offeredYes
International paymentsYesYes
Recurring billing
Recurring payments by cardYesNot listed
Recurring payments by bank accountYesNot listed
Recurring payment templatesYesNot listed
Sign-up page where customers pick their planYesNot listed
Batch debitingYesNot listed
Automatic retries for failed paymentsYesNot listed
Digital direct debit agreements with your own termsYesNot listed
Getting paid
Dynamic payment linksYesYes
Payment requests by email and SMSYesYes
Payment portal where customers pay by referenceYesNot listed
Pay-any-amount page, for donationsYesNot listed
Built-in invoicingYesYes
Card authorisationsYesNot listed
Virtual terminal for phone paymentsYesYes
Automated phone (IVR) paymentsNot offeredNot listed
Your customers
SMS and email remindersYesEmail only
Receipt linksYesYes
Customer notesYesYes
Your branding on the customer portalYesInvoices only
Managing card costs
Surcharge non-card paymentsYesNot listed
Switch off card paymentsYesNot listed
Discounts for paying without a cardYesNot listed
Tools and integrations
Xero integrationYesYes
Recurring billing from XeroYesNot listed
QuickBooks or MYOB integrationNot offeredNot listed
CRM integration, such as HubSpotNot offeredNot listed
Full APIYesPayments SDK only
WebhooksYesNot listed
Reporting and payment analysisYesYes
Partner programYesYes

— Not listed on the provider’s website.

Which one fits

Zeller or Pay Advantage?

Zeller may suit you if…

  • You take most payments in person and want a terminal and business account together.
  • You want card payments to land in a Zeller business account.

Pay Advantage may suit you if…

  • You collect recurring payments by direct debit — memberships, subscriptions or payment plans.
  • You invoice customers and want them to pay by card, PayID or BPAY from the same link.
  • You want payments reconciled into Xero automatically.
FAQs
Pay Advantage vs Zeller, answered
Is Pay Advantage cheaper than Zeller?

It depends on how you get paid. For keyed card payments through a virtual terminal, Pay Advantage costs less on published rates — the fees table on this page shows the difference on a $500 payment. Zeller does not publish direct debit, PayID or BPAY pricing, and Pay Advantage does not offer an in-person terminal, so those are not like-for-like.