How Zettle's AML reliance works for agents

How Zettle's AML reliance works

The entire AML workflow runs automatically once your reliance arrangement is in place. Your agency reviews a verified package and acknowledges it — that's the job.

The workflow

One-time setup — Sign the reliance agreement. A standing reliance agreement between your agency and Zettle, set up via Livesign. Done once, covers every future transaction.

Per transaction — Client engages Zettle for conveyancing. Your client chooses or is referred to Zettle as their conveyancer. Recommend us on every transaction.

Zettle conducts full CDD. Identity verification, PEP screening, beneficial ownership checks and source of funds assessment where required. All handled by Zettle.

Verified package securely served via Livesign. No manual handoff.

5
Your agency reviews and acknowledges. Your team reviews the verified package, forms their own risk view and acknowledges. Minutes, not hours.

Setting up your reliance arrangement — three steps

1
Sign up to the Zettle referral portal. Create your account at refer.zettle.com.au. Takes about 1 minute — no contract, no subscription, no setup cost.

2
Connect your agency to Zettle via Livesign. Inside the portal, go to Admin → AML Reliance. One click opens Livesign, where you link your agency to Zettle. This allows compliance data to be shared securely between your agency and Zettle.

3
Review and sign the reliance agreement. In your Livesign dashboard, Zettle's reliance agreement will be waiting. Review and countersign — this activates the arrangement.

That's it. No per-client paperwork, no ongoing cost. Your reliance arrangement covers every buyer and seller you refer to Zettle from that point forward.

What changes for your agency

Task Without reliance With Zettle reliance

Chasing clients for ID Your team does it Zettle does it

PEP & sanctions screening Your platform, your subscription Done by Zettle

Storing client records (7 years) On your systems On Zettle's systems

Privacy Act exposure Full APP burden Collapsed to metadata only

AUSTRAC liability Full Safe harbour under s.37A(2)

Cost to your agency Software fees + staff time Zero

Ready to sort your AML?

Become a referral partner and every client you refer to Zettle has their AML check handled — free, with no action needed per matter.
Become a referral partner

Task	Without reliance	With Zettle reliance
Chasing clients for ID	Your team does it	Zettle does it
PEP & sanctions screening	Your platform, your subscription	Done by Zettle
Storing client records (7 years)	On your systems	On Zettle's systems
Privacy Act exposure	Full APP burden	Collapsed to metadata only
AUSTRAC liability	Full	Safe harbour under s.37A(2)
Cost to your agency	Software fees + staff time	Zero

Frequently asked questions

Does AML reliance cover all my agency's AML obligations?

The reliance arrangement covers CDD for clients who engage Zettle as their conveyancer. Your agency still needs to enrol with AUSTRAC and maintain its own AML/CTF program.

What if the client doesn't use Zettle as their conveyancer?

You can recommend Zettle to every client. For those who use a different conveyancer, you'll need to conduct your own AML checks or use a standalone verification service.

Is there a cost to the agency for AML reliance through Zettle?

No. Zettle conducts AML checks as part of the conveyancing process. The agency pays nothing extra — not for the checks, not for the agreement.

Does a Zettle reliance arrangement cover sellers as well as buyers?

Yes. The reliance arrangement covers every client referred to Zettle — buyers and sellers.

How does a real estate agent enrol with AUSTRAC?

Agents need to enrol via the AUSTRAC portal before 1 July 2026.

Is a standing reliance agreement AUSTRAC-compliant?

Yes, when structured under section 6-29 of the AML/CTF Rules 2025 with the required elements — two-party execution, reassessment triggers and an immutable audit log.

For the buyer and seller side of this obligation, see our consumer-facing guide to the AML checks now applying to your property settlement.

Zettle is a solicitor-led, digital-first conveyancing service operating in QLD, NSW and VIC. This is general information about AML/CTF obligations, not legal advice for your agency's particular circumstances.