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BWA Merchant Services V X670 EFTPOS User Manual

V x670 eftpos terminal
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BWA Merchant Services
V
670 EFTPOS Terminal
X
User Guide
April 2012

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Summary of Contents for BWA Merchant Services V X670 EFTPOS

  • Page 1 BWA Merchant Services 670 EFTPOS Terminal User Guide April 2012...

  • Page 2: Table Of Contents

    Contents Introduction Terminal Location and PIN Privacy Refund Transaction Terminal Ownership Reprint Receipt Settlement Cancel Transaction OperAtInG prOCedUreS Administration functions Charging the Battery Settlements Connecting the Terminal Power Pack Tipping Loading Printer Paper Adding TIP to a credit card transaction Start-up pre-AUthOrISAtIOn Shutdown...
  • Page 3 Surcharging cuStomer receipt marketing meSSage offline tranSaction proceSSing Card Rules Electronic Fallback multi merchant capability hot keyS Hot Key assignment options Assigning Hot Keys uSer management Add new user Delete User Shift Change Example Transaction Record User Security Password Change noteS...

  • Page 4: Introduction

    Your BWA Merchant Services EFTPOS terminal enables you to accept credit, debit and charge card transactions electronically as a means of payment. Customers can access their cheque, savings or credit accounts for purchases and refunds. Cash out can also be requested from cheque or savings accounts.

  • Page 5: Terminal Ownership

    Settlement can be initiated manually via the terminal menu any time before 18:00 local time. Your EFTPOS terminal can also be configured to automatically settle any time between 00:01 and 18:00 local time. To set up an auto-settlement time, please contact BWA Merchant Services on 1800 243 444.

  • Page 6: Operating Procedures

    operating procedures charging the battery After unpacking your V 670 terminal, install the battery and connect the power pack to the unit for 6 hours or until fully charged. connecting the terminal power pack › Insert the round barrel connector into the power port in the connector, as shown below ›...

  • Page 7: Loading Printer Paper

    loading printer paper Your mobile terminal uses a roll of single-ply, thermal-sensitive paper 57 millimetres wide and 38 millimetres in diameter. Gently pull the latch located on the bottom of the terminal to unlock the paper roll cover. Lift the printer cover up and back.
  • Page 8 operating procedures Remove any partial roll of paper in the printer tray by lifting it up Loosen the glued leading edge of the paper or remove the protective strip from the new roll of paper. Unwind the paper roll past any glue residue. Hold the roll so the paper feeds from the bottom of the roll when the terminal is inverted.
  • Page 9 Pull paper up past the glue residue on the paper roll. Close the paper roll cover by gently pressing directly on the cover until it clicks shut, allowing a small amount of paper past the glue residue to extend outside the printer door. caution To prevent damaging the print roller, always gently press down on the paper roll cover to close it.

  • Page 10: Start-Up

    Start-up Hold the green key down for about 5 seconds until the terminal displays the start-up screen. After this, your terminal will log onto the BWA Merchant Services network which will take approximately 90 seconds. Shutdown Hold the red key down for about 5 seconds until the terminal displays the shutdown verification screen.

  • Page 11: Maintenance

    maintenance cleaning the terminal To clean the terminal and base station, use a clean cloth slightly dampened with water and a drop or two of mild soap. For stubborn stains, use alcohol or an alcohol-based cleaner. caution Never use thinner, trichloroethylene, or ketone-based solvents – they may cause deterioration of plastic or rubber parts.

  • Page 12: Terminal Initialisation

    At least once per day your terminal will automatically contact the BWA Merchant Services system and perform a terminal initialisation. This process is a security feature and allows BWA Merchant Services to maintain and change security keys. The initialisation process takes a few seconds to complete and will not impact your ability to process transactions.

  • Page 13: Power Management

    power management low battery Screen Display 15% Bat. Power left! Please recharge now back pur refunD caSh The above warning message will be displayed on the terminal when the battery only has 15% of charge left. It will be displayed together with 2 short beeps every 15 minutes in Idle State or whenever an operation is invoked by a user (i.e.

  • Page 14: Power Modes

    power management power modes The terminal has 5 power modes: › active mode – Means that the terminal is in active, full operational mode. › Sleep mode – Means that the terminal is in inactive, low consumption mode. (Not applicable when charging) ›...

  • Page 15: Transaction Processing

    transaction processing The V 670 has a chip card reader and a magnetic stripe reader for processing transactions. If a card does not have a chip, then transactions can be processed by swiping the magnetic stripe through the terminal. All chip cards must be inserted into the chip card reader as shown below.

  • Page 16: Card Errors And Fallback

    transaction processing card errors and fallback You may receive credit card errors if: › The chip on credit card is damaged › You have swiped a chip enabled credit card instead of inserting in the card reader › You remove the chip card before the transaction has been completed ›...
  • Page 17 terminal Display action insert/Swipe card This is the idle screen prompt please remove and re-insert card If the terminal fails to read the chip credit card it will instruct you to remove it and insert the card the correct way. Terminal will beep twice every 3 seconds if card is not removed in the first 10 seconds please insert card This message will be prompted...

  • Page 18: Purchase Transactions

    purchase transaction Follow the steps below to perform a purchase transaction for debit or credit cards. Debit card transaction action Screen Display Insert/Swipe card Date/time 01/08 16:00 pleaSe inSert/SWipe carD Select purchase tranSaction entry Please select operation back pur refunD caSh Key in purchase amount purchaSe entry and press ENTER...
  • Page 19 Select CHQ for cheque account xxxx merchant or SAV for savings account Purchase: $80.00 Cash: $20.00 Total: $100.00 Please select account back chQ SaV Ask the customer to key in their PIN and press ENTER tranSaction entry Enter PIN and ENTER back The terminal is attempting to process the transaction eftpoS reQueSt...

  • Page 20: Example Transaction Record

    If the transaction is rejected, the terminal will display an error message giving the reason. Tell the customer the reason, advise the customer to contact their Bank if required and seek an alternative form of payment. example transaction record BWA Merchant Services XXXX Merchant 123 Sydney Street North Sydney N SW 2060...

  • Page 21: Credit Card Transaction

    credit card transaction action Screen Display Insert/Swipe card Date/time 01/08 16:00 pleaSe inSert/SWipe carD Select purchase tranSaction entry Please select operation back pur refunD caSh Key in purchase amount purchaSe entry and press ENTER Please enter purchase amount [ $0.00 ] back tranSaction entry PURCHASE: $100.00...
  • Page 22 purchase transaction Ask the customer to press tranSaction entry ENTER or to key in their PIN Enter PIN and/or ENTER and press ENTER back The terminal is attempting eftpoS reQueSt to process the transaction In progress please wait *** proceSSing *** The transaction has been approved.
  • Page 23 BWA Merchant Services XXXX Merchant 123 Sydney Street North Sydney N SW 2060 Merchant Copy 01 AUG 2007 16:00:22 M ERCH AN T ID 4229851 2345678 TERM INAL ID 12345678 INV N O 000012 STAN 000034 ACCOU NT TY PE...

  • Page 24: Cash Out Transactions

    purchase transaction cash out transaction Customers may request cash out with or without making a purchase, by debiting their cheque or savings account. Cash out is not allowed on a credit card account. A business owner may choose whether or not to provide this additional facility to customers.
  • Page 25 Select CHQ for cheque account xxxx merchant or SAV for savings account Cash: $20.00 Please select account Ask the customer to key in their tranSaction entry PIN and press ENTER Enter PIN and/or ENTER back The transaction has been approved eftpoS reQueSt approVeD printing receipt...
  • Page 26 BWA Merchant Services XXXX Merchant 123 Sydney Street North Sydney N SW 2060 Merchant Copy 01 AUG 2007 16:00:22 MERCH AN T ID 4229851 2345678 TERMINAL ID 12345678 INV N O 000012 STAN 000034 ACCOU NT TY PE...

  • Page 27: Refund Transaction

    refund transaction In addition to customers returning goods, this transaction may also be performed to correct a keying error made by an operator while processing a purchase. important: If you are reversing an error, ensure the full amount of the transaction is refunded before the purchase is re-processed with the correct amount.
  • Page 28 purchase transaction Key in your password paSSWorD check and press ENTER Enter password [ 1 ] back Select the account used xxxx merchant in original transaction Refund: $80.00 Please select account back chQ SaV cr Ask the customer to press ENTER tranSaction entry or key in their PIN and press ENTER Enter PIN and/or ENTER...
  • Page 29 BWA Merchant Services XXXX Merchant 123 Sydney Street North Sydney N SW 2060 Merchant Copy 01 AUG 2007 16:00:22 M ERCH AN T ID 4229851 2345678 TERM INAL ID 12345678 INV N O 000012 STAN 000034 ACCOU NT TY PE...

  • Page 30: Reprint Receipt

    purchase transaction reprint receipt action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press 1 for Reprint Receipt function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Press ENTER to reprint the last receipt or press VIEW to view reprint receipt the receipt and to see and print receipts from previous Enter invoice number...

  • Page 31: Cancel Transaction

    BWA Merchant Services XXXX Merchant 123 Sydney Street North Sydney N SW 2060 *** DUPLICATE *** Custome r C opy 01 AU G 200 7 16:00:22 MERCH AN T ID 4229851 2345678 TERM INAL ID 12345678 INV N O...

  • Page 32: Administration Functions

    It is recommended that you perform a settlement each day. If you do not, a settlement will automatically be “forced” by BWA Merchant Services between 17.45 and 18.15 local time. The following steps show how to perform a settlement:...
  • Page 33 The following steps show how to perform a settlement: action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press 3 for Settlement function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Key in your user ID number uSer iD...
  • Page 34 administration functions example transaction record B W A Merch ant Se rvices MERCHA N T ID 42298512345678 TER M IN A L ID 12345678 SHIFT USER BANK TO TALS BANK TO TALS (AUD) BA TCH: 000002 SE TL: 21/08/07 SALE S 28 $174 .57 REFUNDS 1 -$7 .1 4...

  • Page 35: Tipping

    Your BWA Merchant Services terminal allows you to add a TIP amount to a transaction via the ‘TIP’ function. A TIP can only be added to a credit card purchase transaction and is limited to 25% of the transaction amount.
  • Page 36 administration functions Key in your password uSer iD and press ENTER Enter user ID [ $0.00 ] back Key in your password paSSWorD check and press ENTER Enter password [ 1 ] back Press NExT to view next Select tranSaction transaction or SELECT to add 1 Auth ID 413415...
  • Page 37 Press YES to continue, xxxx merchant NO to cancel, NO to cancel Purchase: $136.00 or YES to edit TIP amount Cash: $10.00 Total: $146.00 Is this correct? back yeS no The terminal is attempting eftpoS reQueSt to process the transaction In progress please wait *** proceSSing *** The transaction has...
  • Page 38 BWA Merchant Services XXXX Merchant 123 Sydne y Stre et North Syd ney N SW 2060 Merchan t Copy 01 AU G 200 7 16:00:22 MERCH AN T ID 4229851 2345678 TERM INAL ID 12345678...

  • Page 39: Pre-Authorisation

    pre-authorisation The pre-authorisation function allows you to authorise and hold funds on a customer’s credit card for a period of up to 30 days. A pre-authorisation will not debit a customer’s account until a completion transaction is processed at a later date. This facility is only available for use by certain Industry types e.g.

  • Page 40: Processing A Pre-Authorisation Transaction

    pre-authorisation processing a pre-authorisation transaction action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Select 4 for Pre-Auth function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Insert/Swipe the card pre-authoriSation Insert/Swipe Card back...
  • Page 41 Key in your PIN and press tranSaction entry ENTER or press ENTER Enter PIN and/or ENTER back The transaction has eftpoS reQueSt been approved approVeD Press YES to print a copy of the receipt for your customer receipt printing Print customer receipt? If the transaction was processed using a chip card, the chip card pleaSe remoVe carD...
  • Page 42 BWA Merchant Services XXXX Merchant 123 Sydney Stre et North Syd ney N SW 2060 Merchan t Copy 01 AU G 200 7 16:00:22 M ERCH AN T ID 4229851 2345678 TERMINAL ID 1234 5678 USER...

  • Page 43: Processing A Completion Transaction

    processing a completion transaction action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Select 5 for Checkout function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Insert/Swipe the card checkout Insert/Swipe credit card OR Enter to retrieve Pre-auth transaction...
  • Page 44 pre-authorisation Key in TIP amount if required checkout entry and press ENTER Purchase: $400.00 Enter TIP amount $0.00] Select YES to confirm amount, xxxx merchant NO to cancel completion or BACK Checkout: $400.00 to edit amount. Is this correct? back yeS no This transaction has eftpoS reQueSt been approved...
  • Page 45 BWA Merchant Services XXXX Merchant 123 Sydney Stre et North Syd ney N SW 2060 Merchan t Copy 01 AU G 200 7 16:00:22 M ERCH AN T ID 4229851 2345678 TERMINAL ID 1234 5678 USER NE IL (02)

  • Page 46: Mail Order/Telephone Order (Moto)

    mail order/telephone order (moto) Mail Order and Telephone Order merchants are authorised to manually key credit card transactions. The terminal will automatically default to “Credit” as the account type whenever manual entry of card number is used. Should you attempt to manually key a Debit card number, the terminal will reject the transaction.
  • Page 47 Key in the expiry date on the tranSaction entry card and press ENTER Please enter card expiry date MMYY [ back Key in the CCV number on the back of the card and/or tranSaction entry press ENTER Please enter CCV and/or press OK back Select Purchase tranSaction entry...
  • Page 48 (moto) example transaction record BWA Merchant Services XXXX Merchant 123 Sydney Stre et North Syd ney N SW 2060 Merchan t Copy 01 AU G 2007 16:00:22 M ERCH AN T ID 4229851 2345678 TERM INAL ID...

  • Page 49: Electronic Commerce Interface (Eci)

    electronic commerce interface (eci) An Electronic Commerce Interface (ECI) transaction occurs when a cardholder orders goods or services from a merchant via a Web based interface or e-commerce method, and a cardholder and their card are not present at the merchant outlet. The merchant must key the card number into the terminal to process the purchase or refund transaction.
  • Page 50 electronic commerce interface (eci) Key in the card number and tranSaction entry press ENTER Please enter card number back Key in the expiry date on the tranSaction entry card and press ENTER Please enter card expiry date MMYY [ back Key in the CCV number on the back of the card and/ or tranSaction entry press ENTER...
  • Page 51 eftpoS reQueSt The terminal is attempting In progress please wait to process the transaction *** proceSSing *** eftpoS reQueSt The transaction has been approved approVeD receipt printing Press YES to print a copy Print customer receipt? of the receipt for your customer...
  • Page 52 (eci) example transaction record BWA Merchant Services XXXX Merchant 123 Sydney Stre et North Sydney N SW 2060 Merchan t Copy 01 AU G 2007 16:00:22 M ERCH AN T ID 4229851 2345678 TERM INAL ID 12345678...

  • Page 53: Void

    VoiD There are some cases where either a merchant or the customer make a mistake during the payment process and don’t realise until the transaction has completed. At this stage it is too late to cancel or reverse the transaction and the transaction must be voided instead. Some examples where the void function may need to be used are: ›...

  • Page 54: Performing A Void

    VoiD performing a VoiD action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press F4 for function menu 2 function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Key in your user ID function menu (2/4) and press ENTER 1 ECI...
  • Page 55 Key in TIP amount if required checkout entry and press ENTER Purchase: $400.00 Enter TIP amount $0.00] Press NExT to view next Select tranSaction transaction or SELECT to 1 Auth ID 413415 void current transaction 2 INV 159357 3 Card# ……..4221(s) 4 Amt $36.00...
  • Page 56 Press YES to print a copy of the receipt Print customer receipt? for your customer example transaction record BWA Merchant Services XXXX Merchant 123 Sydney Stre et North Sydney N SW 2060 Merchan t Copy 01 AU G 200 7 16:00:22...

  • Page 57: Reports

    reports The following reports can be generated from the reports menu. Shift report › A shift report is printed showing a number of sections – one per merchant accessible to the user initiating the shift report function. › The SHIFT USER from the start date to the end date is printed along with its ID or NAME. ›...

  • Page 58: Daily Report

    reports › Where the report is printed for all merchants, this report will contain one section for each merchant accessible to the user who initiates the TIP report function. Daily report The Daily Report will show: Debit totals for all card types. Per card type totals (non charge cards) –...

  • Page 59: Entering The Reports Menu

    entering the reports menu action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press F4 for function menu 2 function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Press 5 for Reports function menu (2/4) 1 ECI 2 VOID...
  • Page 60 reports Key in your password paSSWorD check and press ENTER Enter password back reportS 1 Shift Report 2 Settlement Reports 3 Daily Reports Key in your user ID and press ENTER 4 Transaction Report 5 TIP Reports 6 Host Message back V670 EFTPOS Terminal User Guide July 2010...

  • Page 61: Other Terminal Functionality

    The BWA Merchant Services terminal can be placed in Training mode. When in this mode, transactions can be performed using any card and will not be submitted for processing and will not be added to the terminal amount totals.

  • Page 62: Activating Training Mode

    other terminal functionality activating training mode Press 6 for Terminal Settings function menu (2/4) 1 ECI 2 VOID 3 TIP Addition 4 Payment 5 Reports 6 Terminal Settings back term SettingS (1/2) 1 Timeouts 2 Training Mode OFF 3 Profile Maintenance Select 2 to turn on training mode 4 1st Hot Key AUTH...

  • Page 63: Surcharging

    Surcharging The Vx-570 terminal has the ability to add BWA Merchant Services a surcharge to every transaction processed. The surcharge can be either a fixed dollar XXXX Merchant 123 Sydney Street amount e.g. $1.00 per transaction or it can North Sydney N SW 2060...

  • Page 64: Customer Receipt Marketing Message

    The Vx570 has the ability to add a marketing BWA Merchant Services message to the bottom of every customer receipt. Merchants can use this to make their XXXX Merchant 123 Sydney Street customers aware of any special deals or offer...

  • Page 65: Offline Transaction Processing

    = Unable to go on-line and approved offline Z3 = Unable to go on-line and declined offline electronic fallback If approved by BWA Merchant Services, the V -570 can be configured for electronic fallback mode. The V 570 will enter electronic fallback mode if there is a problem with getting the transaction to the card issuer.

  • Page 66: Multi Merchant Capability

    The BWA Merchant Services terminal has the ability to manage up to 5 merchant accounts on a single terminal. This functionality is particularly useful on premises where there are multiple businesses sharing space and each has their own merchant facility.

  • Page 67: Hot Key Assignment Options

    hot keys hot key assignment options label action none The soft key has no assignment. Terminal emits a single beep, but there is no other action. auth A Pre-Auth transaction. (Equivalent to selecting Pre-Auth from the Function menu). Starts a Checkout transaction. Equivalent to selecting Checkout from the Function menu.

  • Page 68: Assigning Hot Keys

    hot keys assigning hot keys action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press F4 for function menu 2 function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Press 6 for Terminal Settings function menu (2/4) 1 ECI...
  • Page 69 term SettingS (1/2) 1 Timeouts 2 Training Mode OFF 3 Profile Maintenance Select 4 to assign first hot key 4 1st Hot Key AUTH 5 2nd Hot Key 6 3rd Hot Key back term SettingS (1/2) 1 NONE 2 AUTH Select the desired function to be assigned to hot key by 3 C/O pressing the corresponding number, press F4 for more...

  • Page 70: User Management

    user management Up to 48 Users can be set up in the terminal and assigned a user privilege level of SUPERVISOR or USER. Transactions and functions are then assigned a user privilege level so that only those users with that privilege level or above can execute the transaction or function. add new user action Screen Display...
  • Page 71 function menu (3/4) 1 Password Change 2 User Management 3 Stationery Request Select 2 for User Management 4 Send Message 5 Send Stored Trans 6 Force Logon back uSer iD Enter user ID Key in your user ID and press ENTER back paSSWorD check Enter password...
  • Page 72 user management uSer iD #1 1 Name TEST 2 Level Supervisor Select ADD 3 Reset Password 4 User Refund Limit 5 Merchant List back aDD Del uSer iD #2 1 Name User 02 2 Level Supervisor New user has been added. Select 1 to 5 to edit 3 Reset Password corresponding value.

  • Page 73: Delete User

    Delete user action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press F4 for function menu 2 function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement 4 Pre-Auth 5 Checkout 6 MOTO back Press 4 for function menu 3 function menu (2/4) 1 ECI 2 VOID...
  • Page 74 user management Select 2 for User Management function menu (3/4) 1 Password Change 2 User Management 3 Stationery Request 4 Send Message 5 Send Stored Trans 6 Force Logon back Key in your user ID tranSaction entry and press ENTER Please enter CCV and/or press OK back Key in your password...

  • Page 75: Shift Change

    Delete menu Select YES to delete user Are you sure? Shift change Users can manage shifts by the shift change function so that totals can be obtained through the shift reporting for each shift. The user who changes the shift becomes the default user for transactions or operations which do not require user authentication before proceeding.
  • Page 76 user management Key in your password paSSWorD check and press ENTER Enter password back Select YES Shift change Do you want to start a new shift? Select 1 to print shift totals by user Shift change Select 2 to print totals by Card type 1 User 2 Card back...

  • Page 77: Example Transaction Record

    BWA Merchant Services XXXX Merchant 123 Sydney Street BWA Merchant Services North Sydney N SW 2060 XXXX Merchant SH IFT SUB TOT A L R EPO RT 123 Sydney Street (BY C ARD) North Sydney N SW 2060...

  • Page 78: User Security

    Security Your BWA Merchant Services terminal allows you to set user security restrictions for functions such as purchases, TIPs, refunds, voids and pre-authorisations. The following steps show how to set user security restrictions. action Screen Display Press F2...
  • Page 79 Select 2 for User Management function menu (3/4) 1 Password Change 2 User Management 3 Stationery Request 4 Send Message 5 Send Stored Trans 6 Force Logon back Key in your user ID uSer iD and press ENTER Enter user ID back Key in your password paSSWorD check...

  • Page 80: Password Change

    user management password change The password change function allows users to change their current password. Follow the steps below to change passwords. action Screen Display Press F2 Date/time 01/08 16:00 pleaSe inSert/SWipe carD Press F4 for function menu 2 function menu (1/4) 1 Reprint Receipt 2 Shift Change 3 Settlement...
  • Page 81 Select 2 for User Management function menu (3/4) 1 Password Change 2 User Management 3 Stationery Request 4 Send Message 5 Send Stored Trans 6 Force Logon back Key in your user ID uSer iD and press ENTER Enter user ID back Key in your password paSSWorD check...

  • Page 82: Notes

    notes V670 EFTPOS Terminal User Guide July 2010 670 EFTPOS Terminal User Guide // April 2012...
  • Page 83 Important Information Your Merchant Number: ........Transaction Queries 1800 243 444 Hardware Faults 1300 364 164 Stationery Orders 1300 664 660...
  • Page 84 ©2012 BWA Merchant Services Pty Limited ABN 51 115 245 531 (BWA Merchant Services). The ampersand flourish logo is a registered trade mark of Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124, used under licence by BWA Merchant Services Pty Ltd.

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