Payment solutions FAQs

A temporary increase to the contactless ‘tap-and-go’ limits, from $100 to $200, will be progressively rolled out nationally to our EFTPOS terminals from April 2020.

This change is being introduced to help reduce the spread of COVID-19.

Simply advise customers to continue to follow the EFTPOS terminal prompts.

The EFTPOS terminal will no longer require a PIN for contactless transactions under $200. Please note the functionality may not work for all customers as the authentication requires a combination of the EFTPOS terminal software, the card being used and the card scheme.

The testing of this update across our EFTPOS terminal fleet is underway. We are prioritising the roll out to merchants who have been deemed essential services during the COVID-19 crisis. Essential services include supermarkets, pharmacies and medical providers.

There will be no change in liability to you for fraudulent transactions.

At this stage there are no changes to fraud rules and chargeback rights.

Follow our easy two-step process to help reduce the risk of transferring COVID-19:

1. Clean

Clean your EFTPOS terminal by gently wiping it with a lightly dampened microfibre cloth.

2. Disinfect

Disinfect your EFTPOS terminal using an alcohol-based wipe or an alcohol-based cleaner on a microfibre cloth. Do not spray, coat or pour any cleaning fluid directly onto your device.

And remember to encourage your customers to use contactless ‘tap-and-go’ payments where possible.

An extra security feature will be enabled on your EFTPOS 1 terminal. This extra security feature will prompt you to enter your terminal password for Mail Order / Telephone Order (MOTO) or manual entry transactions over $100. No action is required to enable this extra security feature.

The payments industry has seen an increase in Mail Order / Telephone Order (MOTO) and manual entry card fraud on EFTPOS terminals - leading to potential loss and charges for merchants. We are enabling this extra security feature to help protect you from this type of fraud.

The terminal password is the same as the refund password on the terminal.

You do not need to do anything to enable this extra security feature. Throughout 2019, we will be enabling this extra security feature on our EFTPOS 1 terminals.

If you wish to disable the terminal password for MOTO or manual entry transactions over $100, you can contact the Merchant Helpdesk on 1300 650 977 Monday to Friday, 8am to 6pm.

If you wish to enable the terminal password for all MOTO or manual entry transactions, you can contact the Merchant Helpdesk on 1300 650 977 Monay to Friday, 8am - 6pm.

The MOTO and manual entry transaction limit is only available for MOTO and manual entry transactions over $100. This transaction limit cannot be increased.

Some fees charged by St.George are based on a range of factors (including but not limited to the cost of providing the service to you, the volume and the value of transactions). Therefore the pricing we offer is dependent on your specific business.

No. St.George provides payment solutions to all businesses that meet our application criteria. We understand that establishing a business can be difficult and stressful. So we have specialised staff available to help you select the most appropriate payment solution for your needs.

Your EFTPOS facility will be able to accept Visa, Mastercard^®, American Express^®, Diners^® and other debit cards issued by Australian financial institutions. Our internet facilities accept Visa, Mastercard, American Express and Diners cards only.

There is no additional cost to register for American Express and Diners Cards. However, we do not set the pricing on transactions, American Express and Diners will determine the pricing for your facility independently.

You need several things, including:

1. A registered business name or company name - registered with the Department of Fair Trading or the Australian Securities and Investment Commission (ASIC)
2. An Australian business or transactional bank account in the name of your registered business
3. Identification

Additional information may be required to ensure we fully understand your business requirements.

Find out what information you need to provide to become a customer

Simply call 1300 650 977 Monday to Friday, 8am - 6pm (AEST) and talk to one of our payment solution specialists.

A standard application takes just 5 business days to process once you've submitted all required information. All applications are subject to St.George's approval criteria.

A St.George bank account isn't required for the majority of merchants. However, if you have a St.George transaction account you'll receive the additional benefit of same day settlement, 7 days a week¹, currently available for EFTPOS merchants only.

Same day settlement is a great benefit you get when you combine your St.George payment solution with a St.George transaction account. All transactions processed through your payment solution will be credited to your St.George business account the same day (when you settle your terminal before 9pm EST). This allows you to access your funds faster and helps improve your cash flow. Same day settlement 7 days a week currently available for EFTPOS merchants only.

Yes. We realise your business may operate different hours, so we ensure you have the flexibility to choose when your payment solution will settle. Your payment solution can only settle once in a 24-hour period.

A chargeback arises when a cardholder disputes a credit card transaction. Chargebacks generally occur due to fraudulent activity on the card, customer disputes, duplicate transactions, merchandise not received, or from authorisation issues. St.George will work with you to address the chargeback. Your bank account may be debited as outlined by the Card Scheme Rules.

Read more about chargebacks.

Yes. We have several payment solutions that fully integrate with your accounting or point of sale software. Call us on 1300 650 977 Monday to Friday, 8am - 6pm (AEST) for more information.

Yes. Mobile EFTPOS allows you to offer EFTPOS to customers wherever you are², reducing the need to carry cash or issue invoices.

Depending on your business requirements, you have the option of utilising the St.George Internet Payment Gateway or an external payment gateway.

An online payment solution lets you accept credit card payments by a variety of means in addition to via a website. Solutions include using a call centre, interactive voice recognition (IVR), batch payments, mobile payments and many more.

PCI-DSS is an abbreviation for Payment Card Industry Data Security Standard. Organisations processing, storing and/or transmitting credit card details must be PCI-DSS compliant. Compliance is achieved by undertaking two tasks, depending on your transaction volumes. These tasks could include an annual on-site audit, a quarterly vulnerability scan or a self-assessment questionnaire.