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Merchant guides and brochures

The following documents provide information that assists you with the operation of your merchant facility. These can be printed for your reference.

Terms And Conditions

Notice to St.George Merchant Customers

Effective 1 January 2022, changes will be made to the documents which form your merchant agreement with us. A summary of these changes is listed below.

EFTPOS Merchant Agreement Terms and Conditions

Clause Effect of Change

Clause 2.0

Inserted a new definition for Authorised Contact, eftpos Cash Out Merchant Service Fee, eftpos Purchase Merchant Service Fee, Merchant Owner, Merchant Owner Nominee and Staff Member.

Clause 4.21

Inserted a new clause to state that if we consider that fraudulent Transactions are occurring through your Merchant Facility, we may take such action as we consider appropriate to minimise any risk to you or us including but not limited to taking steps to decline fraudulent Transactions or disabling the Merchant Facility. We may take such action without providing you notice.

Clause 5.0

Amended to make it clear that Merchant Choice Routing can be enabled on eCommerce Merchant facilities as well as EFTPOS terminals and that where we charge you a flat rate for contactless and/or eCommerce Transactions (and we activate the Merchant Choice Routing feature and route contactless and/or eCommerce Transactions through a network of our choice) the same fees will apply to the Transactions regardless of how they are routed.

Clause 8.1(a)

Amended to make it clear that invalid Transactions include transactions outlined by Australian Government departments such as the Department of Social Services as Restricted Items where a Cashless Debit Card is being presented. Transactions with Restricted Items flagged by participating merchants and POS providers will be declined by the Integrated payment solution.

Clause 9.1

Amended to state that you must provide us with a new Direct Debit Authority if your account details change, regardless of whether your account is with us or with another financial institution.

Clause 26.0

Amended to make it clear as to how we may collect, use and disclose your information, including your personal information.

Clause 27.0

Inserted a new clause to clarify what a Merchant Owner, Merchant Owner Nominee, Authorised Contact and Staff Member can request or provide instructions to us.

Entire document Changes to help make the document easier to read and understand.

Fraud Prevention for Merchants

Section Effect of Change
Online Authentication - 3D Secure Amended to provide further information in relation to 3D Secure.
Risk Mitigation for Online Merchants Amended to replace references to "Verified by Visa and Mastercard SecureCode" with "Visa Secure and Mastercard Identity Check" and to update the process for St.George providing information in relation to 3D Secure.
Entire document Changes to help make the document easier to read and understand.

Payment Card Industry Data Security Standard (PCI DSS)

Section Effect of Change
Entire document
Changes to help make the document easier to read and understand.

Merchant Privacy Notice

We’ve also added a Merchant Privacy Notice to help you understand how we may collect, use and disclose your personal information.

Standalone Terminals

EFTPOS 1 Terminal

EFTPOS Now Terminal

Integrated Terminals:

EFTPOS 1i Terminal

EFTPOS Connect