2 ANZ Merchant Services Locked Bag 10 Collins St West Melbourne VIC 8007 For general enquiries, please contact ANZ Merchant Services on (24 hours a day, 7 days a week).
3 Contents 1. These General Conditions 5 2. Provision of Merchant Facilities 5 3. Conditions Precedent 6 4. Nominated Cards 7 5. Honouring Nominated Cards and Permitted Uses 7 6. Processing Transactions 9 7. Authorisation Refunds Transaction Information Settlement of Transactions Invalid Transactions Chargeback Merchant Accounts Merchant Account Retention Account Information Collection, Storage and Disclosure General Nominated Card Scheme Obligations Privacy and confidentiality Audit Fees, Charges, Other Payments and GST 31 16a. GST Merchant Websites Electronic Terminals General Electronic Terminals supplied by ANZ Electronic Terminals not supplied by ANZ Electronic Terminals and Card Imprinters Security Merchant Operating Guides Training Supply of Card Imprinters and Stationery Indemnity ANZ Liability Third Party Bureau Services Appointment of Agent, Subcontractor or Other Party Promotional Material Representations and Warranties Suspension of Merchant Facility or Freezing of Merchant Account Termination Set off Variation Notice 48
4 34. Relationship of the Parties Assignment Severability Waiver Merchant s Continuous Obligations Security Governing Law Application of the Code of Banking Practice Dispute Resolution Procedures Meaning of Words and Expressions Interpretation Anti Money Laundering and Sanctions Terminal Stands and Cables Personal Property Securities Act (PPSA) 63
5 1. These General Conditions These General Conditions are part of your Merchant Agreement with ANZ. The Merchant Agreement ( Agreement ) consists of: (i) Letter of Offer; (ii) General Conditions; (iii) Secure Internet Site Declaration (where applicable) and Merchant Prepayment Exposure Declaration (where applicable); (iv) all applicable Terminal Guides; and (v) any special conditions set out in the Letter of Offer or otherwise agreed in writing by the Merchant and ANZ to be special conditions as varied from time to time in accordance with these General Conditions (xi) any documents relating to the Security (where applicable). It is advisable that the Merchant reads all documents comprising the terms and conditions under which the Merchant Facilities are provided by ANZ. Some words and expressions have special meanings in these General Conditions. The meanings are described in Condition 43 and when the Merchant is reading these General Conditions, the Merchant should refer to Conditions 43 and Provision of Merchant Facilities (i) (ii) ANZ agrees to provide the Merchant with the Merchant Facilities in accordance with the Agreement. ANZ agrees to do this in exchange for the Merchant carrying out the Merchant s obligations under the Agreement. ANZ will provide the Merchant Facilities unless: (a) the Agreement is terminated; (b) the Merchant Facilities are suspended in accordance with the Agreement; or (c) there is a change in Law or to the regulations, by-laws or rules of a Nominated Card Scheme that prevents ANZ providing the Merchant Facilities.
6 (iii) The Merchant Facilities may only be used by the Merchant and may not be used by, or on behalf of, any third party (including any associated company or related body corporate of the Merchant), without the prior written authorisation of ANZ. 3. Conditions Precedent ANZ s obligation to make any of the Merchant Facilities available to the Merchant is conditional on ANZ being satisfied that: (i) the Merchant has accepted ANZ s offer in accordance with the method of acceptance required by ANZ in the Letter of Offer; (ii) ANZ has received an account opening authority if the Merchant Account is held with ANZ or a properly completed periodical direct debit authority if the Merchant Account is held with another financial institution; (iii) if the Merchant is a company, ANZ has received all documents requested by ANZ in the Letter of Offer or otherwise at the time of the application for the Merchant Facilities; (iv) if the Merchant is a trustee of a trust, ANZ has received a copy of the trust deed, and any variations or amendments to the trust deed, each certified to be a complete, correct and up-to-date copy; (v) if the Merchant is a partnership, ANZ has received a copy of the partnership deed and any variations or amendments to the partnership deed, each certified to be a complete, correct and up-to-date copy; and (vi) any other conditions set out in the Letter of Offer or as otherwise advised to the Merchant by ANZ have been fulfilled.
7 4. Nominated Cards (i) (ii) The Merchant must: (a) accept Nominated Cards in accordance with the Agreement; and (b) stop accepting a Nominated Card immediately if: - ANZ gives the Merchant a notice to do so; or - any of the events described in Condition 2(ii) occur. To remove any doubt the Merchant must not: (a) accept a Nominated Card as payment for goods or services by mail, telephone or Internet Order; or (b) take Cardholder details via mail, telephone, facsimile or the Internet, unless specifically authorised in writing by ANZ Honouring Nominated Cards and Permitted Uses (i) (ii) The Merchant must accept valid Nominated Cards. A Nominated Card is valid if: (a) the Nominated Card has current validity dates; (b) the Nominated Card has not been visibly altered or tampered with in any way; (c) the Nominated Card is signed on the back in the designated area for card signatures; (d) the account number appearing on the Nominated Card corresponds with the number printed, encoded or otherwise shown on the Nominated Card; (e) the signature on the reverse of the Nominated Card has not been altered or defaced; and (f) the Nominated Card meets each of the criteria for validity set out in the relevant Terminal Guides.
8 (iii) The Merchant must not: (a) make any representation in connection with any goods or services or any Nominated Card which may bind ANZ; (b) make any representations to any Cardholder concerning ANZ s products or policies; (c) pledge the credit of ANZ in any way; (d) take part in the preparation of any documents purporting to provide for credit to be provided by ANZ to the Cardholder; (e) engage in any conduct which is false, misleading or deceptive concerning goods or services supplied by the Merchant, ANZ s products or policies or in any other dealings with the Cardholder; (f) use a Nominated Card in a Credit Transaction to give a Cardholder cash. The Merchant may use a Nominated Card in a Debit Transaction to give a Cardholder cash provided the Merchant has prominently displayed in the Premises the Merchant s policy on cash out and partial cash out services including any applicable fees; or (g) use a Nominated Card issued in the name of the Merchant in any Transaction to pay for goods or services or to provide cash where the Transaction is not a bona fide sale or where the Transaction is for the purpose of funding the working capital of the Merchant s business. Where the Merchant is a partnership, no Nominated Card issued in the name of a partner is to be used in any such Transaction. Where the Merchant is a company, no Nominated Card issued in the name of a director or secretary is to be used in any such Transaction. Any Cardholder making enquiries concerning the matters raised in paragraphs (b) to (d) above must be directed to contact ANZ Merchant Services.
9 6. Processing Transactions (i) (ii) The Merchant must only use Transaction Vouchers, Card Imprinters and Electronic Terminals authorised by ANZ. If ANZ has agreed that the Merchant can process Transactions electronically, the Merchant must not use a Card Imprinter and Electronic Terminal to process the same Transaction. The Merchant may only process a Transaction manually using the Card Imprinter if the Electronic Terminal is malfunctioning or it is impossible for Transactions to be processed through it and the Merchant is instructed by ANZ to process the Transaction manually. If ANZ has instructed the Merchant to process Transactions manually, or the Merchant is otherwise permitted to process Transactions manually in accordance with this Agreement, the Merchant must follow ANZ s directions, any directions given in a Terminal Guide and use any products or tools in the manner directed by ANZ. (iii) The Merchant must ensure any goods purchased via mail, telephone or Internet order are despatched to the Cardholder immediately after processing that sales Transaction either manually or through an Electronic Terminal to ANZ. (iv) The Merchant must not use two or more Transaction Vouchers to process one Transaction or process a Transaction where only part of the amount due is included on the Transaction Voucher except: (a) where the balance of the amount due is paid in cash or by cheque; or (b) where the goods or services are to be delivered or performed at a later date and one Transaction Voucher represents a deposit and the second Transaction Voucher represents payment of the balance. The second Transaction Voucher must not be presented or processed until the goods are delivered or the services performed. 8 9
10 (v) The Merchant must not process a Transaction on behalf of another person including another merchant or allow another person to use the Merchant Facilities except under a bona fide agency arrangement. (vi) The Merchant must use reasonable care in processing a Transaction to detect forged or unauthorised signatures or the unauthorised use or forgery of a Nominated Card. In particular, the Merchant must comply with specific requirements set out in the Terminal Guides or otherwise notified by ANZ to the Merchant in writing. (vii) Following each Transaction (other than mail, telephone and Internet Orders) the Merchant must immediately give the Cardholder a copy of the Transaction Voucher. When the Transaction is an Internet Transaction, the Cardholder must be able to print a Transaction Voucher from the Internet and when the Transaction is a telephone Transaction, the Merchant must provide the Cardholder with a receipt number for the Transaction and the Merchant must maintain a record of that receipt number. (viii) Unless otherwise authorised by ANZ in writing, the information on the Transaction Voucher must be identical with information on any other copy of the Transaction Voucher and must include all information required by the relevant Terminal Guide. (ix) The Merchant must not split the value of any proposed Credit Transaction into two or more separate Credit Transactions which would, when added together, be in excess of the Authorised Floor Limit. (x) If ANZ determines that the conduct of a Merchant in processing Transactions in accordance with the Agreement may cause loss to the Merchant or ANZ (through fraudulent activities or otherwise), ANZ may: (a) where the Merchant is using a Card Imprinter, require the Merchant to replace that Card Imprinter with an Electronic Terminal nominated by ANZ; and/or
11 (b) where the Merchant is authorised by ANZ to accept a Nominated Card as payment for goods or services ordered by mail, telephone or Internet in accordance with Condition 4(ii), withdraw that authorisation and require the Merchant to only process Transactions where the Nominated Card is presented by the Cardholder. (xi) The Merchant must prominently and clearly inform the Cardholder of the identity of the Merchant so that the Cardholder can readily distinguish the Merchant from any supplier of goods or services to the Merchant or other third party. The Merchant must also notify the Cardholder that the Merchant is responsible for: (a) the sales Transaction including any goods or services that are the subject of the sales Transaction; (b) all customer service relating to the sales Transaction; (c) dispute resolution in connection with the sales Transaction; and (d) performance of the terms and conditions of the sales Transaction. (xii) If the Merchant is specifically authorised by ANZ to accept a Nominated Card as payment for goods or services ordered by mail, telephone or Internet in accordance with Condition 4(ii) or the Merchant is authorised by a Cardholder to process Recurring Transactions, the Merchant must ensure that the Transaction is correctly identified as a mail, telephone, Internet Order or Recurring Transaction. (xiii) If a Merchant is authorised to process Recurring Transactions, the Merchant must maintain appropriate business practices to ensure that the Cardholder s Nominated Card information remains current, accurate and complete (including the Nominated Card s expiry date)
12 (xiv) If the Merchant is authorised to process Recurring Transactions, the Merchant must also ensure that Recurring Transactions are processed with the Cardholder s consent. (xv) The Merchant is required to provide Cardholders with a means of informing the Merchant of changes to card account details and/or the Cardholder s wish to cancel payment arrangements. The Merchant is required to action any Cardholder request to change and/or cancel payment arrangements within 5 Business Days of receipt of the Cardholder s request. (xvi) The Merchant must not, without the prior written consent of ANZ, process Transactions for any goods or services unless delivery to the Cardholder will be completed within twelve months of the date of the Transaction. (xvii) The Merchant must comply with all applicable Laws, any obligations in this Agreement and any direction of ANZ in carrying out its obligations in processing Transactions under the Agreement. For the avoidance of doubt, a breach of any Law including any code of conduct specifically regulating or prohibiting the retention by merchants of Cardholders personal identification numbers, passwords or other codes or information that can be used to access a Cardholder s account will constitute a breach of this undertaking. (xviii) The Merchant must ensure that it processes all Transactions in accordance with the requirements of any Nominated Card Scheme rules that ANZ notifies to the Merchant. (xix) The Merchant must ensure that each Transaction is recorded in Australian dollars except where ANZ has given prior written approval to the Merchant to record Transactions in other currencies.
13 7. Authorisation (i) (ii) For non-recurring Transactions - the Merchant must seek prior authorisation from the Authorisation Centre for any Transaction where: (a) in the case of a Credit Transaction: (A) the value is in excess of the Authorised Floor Limit; or (B) the Transaction is key-entered into an Electronic Terminal; (b) the Merchant is aware that, or considers it is possible that, a signature is a forgery or is unauthorised or there is an unauthorised use or forgery of the Nominated Card; (c) the account number appearing on the Nominated Card does not correspond with the number printed, encoded or otherwise shown on the Nominated Card; (d) the Cardholder presents a Nominated Card at a time which is not within current validity dates shown on the Nominated Card; (e) the signature panel on the Nominated Card is blank or the signature has been altered or defaced; (f) the Electronic Terminal instructs the Merchant to contact the Authorisation Centre; or (g) the Transaction is of a certain type or class which has been notified to the Merchant by ANZ as a type or class of Transaction requiring authorisation. For Recurring Transactions the Merchant must obtain authorisation for all Recurring Transactions and ensure it has the Cardholder s consent to process Recurring Transactions. The Merchant must ensure the Nominated Card is within current validity dates and that the CVV2 is provided when processing the first Recurring Transaction against that Nominated Card. After processing the initial Recurring Transaction, the Merchant must destroy the CVV2 in one of the manners set out in Condition 9(iv)
14 (iii) When the Merchant seeks authorisation, the Merchant must ensure that the authorisation code appears on each Transaction Voucher applicable to a Transaction. (iv) The Merchant should seek to retain the Nominated Card until authorisation is given. If the Merchant is requested by the Authorisation Centre to retain the Nominated Card, the Merchant should use reasonably peaceful means to retain the Nominated Card and deal with the Nominated Card in accordance with the instructions of the Authorisation Centre. (v) In the case of a Transaction involving a mail, telephone or Internet order, authorisation is not a representation or warranty to the Merchant that the purchase is made by the Cardholder. (vi) Authorisation of a Transaction is not a representation or warranty by ANZ to the Merchant that a Transaction is not an Invalid Transaction. (vii) ANZ may at any time change the Merchant s Authorised Floor Limit by giving notice to the Merchant. 8. Refunds The Merchant must: (i) establish a fair policy for giving Refunds and for exchanges or return of goods for sales Transactions; (ii) only give a Refund by means of a Transaction Voucher processed to the same Nominated Card on which the original Transaction was made, a credit note issued by the Merchant or an exchange of goods, and not in cash or by cheque. The Merchant must disclose the Merchant s Refund policy to the Nominated Cardholder prior to the Transaction; (iii) where the Merchant is authorised to process Transactions via the Internet in accordance with Condition 4(ii), display the Merchant s Refund policy on its website; and (iv) at all times act in accordance with the Terminal Guides in processing Refunds.
15 9. Transaction Information (i) (ii) The Merchant must lodge Transactions with ANZ for settlement in accordance with the Terminal Guides and any other directions from ANZ or a Nominated Provider and: (a) in the case of a Transaction processed manually within 3 Business Days after the Transaction; (b) in the case of a Transaction processed through an Electronic Terminal other than a Credit Authorisation Terminal, immediately by entering the Transaction; and (c) in the case of a Transaction processed electronically by use of a Credit Authorisation Terminal, within 3 Business Days after the Transaction. The Merchant must retain information about a Transaction whether processed manually or electronically for a period of 30 months from the date of the Transaction or such other period required by Law or notified by ANZ. The Terminal Guides set out the information about a Transaction which the Merchant must retain. (iii) The Merchant must destroy any information about the Transaction on the later of: (a) the expiry of the 30 month period; or (b) the date on which the Merchant has no further business or legal reason for retaining the information. (iv) The Merchant must ensure that cardholder data is destroyed in the following manner: (v) (a) shred, incinerate or pulp hardcopy materials so that cardholder data cannot be reconstructed; and (b) render cardholder data on electronic media unrecoverable so that cardholder data cannot be reconstructed. The Merchant must provide information about a Transaction which is requested by ANZ within 5 Business Days of receipt of the request. (vi) The Merchant must provide any information or reporting reasonably required by ANZ
16 10. Settlement of Transactions (i) (ii) ANZ agrees: (a) to accept all sales and cash Transactions processed by the Merchant in accordance with the Agreement and, subject to Condition 13.2, to credit the Merchant Account with the full amount of such Transactions on the basis that the debt due by the Cardholder to the Merchant in respect of the Transaction is extinguished; and (b) to accept all Refund Transactions processed by the Merchant in accordance with the Agreement and to debit the Merchant Account with the full amount of each Refund Transaction. ANZ will issue a monthly record of Transactions statement to the Merchant including a summary of the number of Debit Transactions and the number and total amount of all Credit Transactions processed by ANZ to the Merchant Account during the previous month. (iii) Where ANZ is aware or has reason to believe that a Transaction or Invalid Transaction is fraudulent or a counterfeit Nominated Card has been used for that Transaction, ANZ reserves the right for a period of 30 days to: (a) withhold payment to the Merchant Account; and (b) unless it otherwise agrees in writing, prevent the debit of that part of the balance of the Merchant Account or any account held by the Merchant with ANZ, as is equal to the amount ANZ estimates may become owing to it by the Merchant in respect of that Transaction. During that 30 day period, ANZ will investigate the Transaction to determine whether ANZ will either: (c) refuse to process the Transaction and return the Transaction to the Merchant; or (d) if the Transaction has been processed, charge that Transaction back to the Merchant; and
17 (e) will set-off amounts owing to it by the Merchant in respect of that Transaction against funds standing to the credit of the Merchant Account or any account held by the Merchant with ANZ. (iv) Where: (a) ANZ is aware or has reason to believe that a Transaction or Invalid Transaction is fraudulent; (b) ANZ assesses the Merchant as a high credit or fraud risk; (c) the Merchant has breached the Agreement; or (d) ANZ otherwise determines on reasonable grounds that deferred settlement is justified in order to prevent loss to the Merchant or ANZ, ANZ may defer settlements of any Transaction which occurs during a period of up to three months following the occurrence of the circumstance set out in (a) to (d) above (the deferred period ). Such settlement may be deferred for up to 2 Business Days. Immediately prior to the end of any deferred period, ANZ will review the relevant circumstance set out in (a) to (d) above, to determine whether deferred settlements should continue and what period that deferral should be. ANZ will advise the Merchant in writing of its decision on completing the review. 11. Invalid Transactions A Transaction is invalid if: (i) the Transaction is illegal, including, without limitation, because it is in breach of any Law governing, for example, the sale of prescription medicines, controlled substances or other regulated products; (ii) the date of the Transaction is a date after the Agreement was suspended or the Merchant Account frozen in accordance with Condition 29 or terminated in accordance with Condition 30; (iii) the Merchant processes the Transaction knowing (or in circumstances where the Merchant should have known) that the signature on the Transaction Voucher is forged or unauthorised; 16 17
18 (iv) the Merchant processes the Transaction knowing (or in circumstances where the Merchant would reasonably be expected to know) that the Nominated Card is used without the authority of the Cardholder or in the case of a mail, telephone or Internet order authorised by ANZ in accordance with Condition 4(ii), the Transaction is not authorised by the Cardholder; (v) the Merchant was notified by ANZ not to accept the Nominated Card used in the Transaction; (vi) for non-recurring Transactions, the Nominated Card used in the Transaction is not used within the current validity dates shown on the Nominated Card; (vii) for Recurring Transactions the expiry date and CVV2 of the Nominated Card is not provided with the initial Recurring Transaction; (viii) the Transaction Voucher is not completed in accordance with the Agreement or is illegible; (ix) the particulars on the copy of the Transaction Voucher given to the Cardholder are not identical with the particulars on any other copy and the Merchant has not been authorised by ANZ in writing to accept copy vouchers which are not identical; (x) the Transaction is recorded in a currency other than Australian dollars, except where ANZ has given prior written approval to the Merchant to record Transactions in other currencies; (xi) the price charged for the goods or services to which the Transaction relates is more than the Merchant s normal price which is charged to the general public, except where the additional amount represents the amount of any credit card surcharge properly incurred or charged by the Merchant; (xii) for: (a) non-recurring Transactions the Transaction requires authorisation by ANZ and the Merchant does not obtain such authorisation; and
19 (b) Recurring Transactions the Transaction is unauthorised and/or does not contain a Recurring Transactions flag; (xiii) the Transaction value exceeds the Authorised Floor Limit, and the Merchant did not obtain authorisation for a Transaction above the Authorised Floor Limit; (xiv) the Transaction requires authorisation by ANZ and the Transaction Voucher does not contain the authorisation code; (xv) in ANZ s reasonable opinion the Transaction relates to one or more purchases made in the same Merchant establishment which have been split into 2 or more Transactions in an attempt to avoid the Authorised Floor Limit; (xvi) the Merchant has arranged without ANZ s consent for a person other than the Merchant to supply goods, services or cash; (xvii) the Merchant processes the Transaction knowing (or in circumstances where the Merchant should have known) that the Transaction is fraudulent; (xviii) the Cardholder has not received the goods or service as required by the terms of the Transaction (and, in the case where the Merchant is not the provider of the goods or services and acts as agent for the provider of the goods or services, the goods or services have not been provided by the principal) and the Merchant has failed to provide ANZ with proof of receipt of, and satisfaction with, the goods or services by the Cardholder within 5 Business Days of ANZ s request to do so; (xix) the goods or services to which the Transaction relates were supplied from outside Australia without ANZ s consent; (xx) in the case of a Transaction being a mail, telephone or Internet order authorised by ANZ in accordance with Condition 4(ii), the Merchant did not record Reasonable Identification Details of the Cardholder and the expiry date of the Nominated Card; 18 19
20 (xxi) except in the case of a mail, telephone or Internet order authorised by ANZ in accordance with Condition 4(ii), the Nominated Card was not presented to the Merchant; (xxii) in the case of a Transaction where the details are keyed into an Electronic Terminal the Merchant did not record on the Transaction Voucher Reasonable Identification Details of the Cardholder; (xxiii) the Merchant has not otherwise complied with the Agreement in connection with the Transaction and ANZ is of the reasonable opinion that such non-compliance may result in either ANZ or the Merchant suffering a loss; (xxiv) the Transaction is processed by the Merchant on behalf of another person, or has allowed another person to use the Merchant Facilities in connection with the Transaction, except under a bona fide agency arrangement authorised in accordance with the Agreement; (xxv) the Merchant has accepted a Nominated Card as payment for goods and services by mail, telephone or Internet order without specific authorisation in writing by ANZ under Condition 4(ii); (xxvi) the Merchant bills the amount of the Transaction direct to the Cardholder or receives payment through the use of another card or by any other means; (xxvii) the card number or truncated card number appearing on the Transaction Voucher does not correspond with the card number printed, encoded or otherwise shown on the Nominated Card used for the Transaction; (xxviii) the Merchant fails to lodge Transactions with ANZ for settlement in accordance with Condition 9(i); (xxix) the same Transaction is processed by the Merchant more than once; (xxx) the Merchant key-enters incorrect Transaction details into the Electronic Terminal or keyenters the Transaction otherwise than in accordance with the Terminal Guides;
21 (xxxi) the Merchant manually processes a Transaction using a damaged Nominated Card which is not a valid Nominated Card referred to in Condition 5(ii) without obtaining prior approval from ANZ; (xxxii) in ANZ s reasonable opinion, the Cardholder justifiably disputes liability for the Transaction for any reason; (xxxiii) the Cardholder makes a claim for set off or counter claim in respect of the Transaction against ANZ; (xxxiv) the Transaction was processed in breach of the requirements of any Nominated Card Scheme rules notified by ANZ to the Merchant under Condition 6(xviii) or by any other method determined by ANZ; or (xxxv) the Transaction is not authorised by ANZ or the authorisation request is declined for any reason. 12. Chargeback (i) (ii) If a Transaction is an Invalid Transaction, ANZ may, at its sole discretion (and without a request or demand from a Cardholder): (a) refuse to accept the Transaction; or (b) if the Transaction has been processed, at any time within two years of the date of the Transaction, charge that Transaction back to the Merchant by debiting the Merchant Account or Retention Account or otherwise exercising its rights under the Agreement. If ANZ receives a payment from a Cardholder relating to an Invalid Transaction that has been charged back to the Merchant, ANZ will pay an amount equal to that payment to the Merchant less any amount which ANZ is entitled to withhold or set-off under the Agreement. (iii) Despite any contract, arrangement or understanding to the contrary, in respect of all Transactions processed by the Merchant, the Cardholder will be entitled to initiate a charge back of the Transaction to the Merchant where permitted in accordance with the rules of the relevant Nominated Card Schemes
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