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1. Welcome
We are pleased to welcome you as an ANZ Merchant and look forward to a long association
with you.
This Merchant Operating Guide provides you with information on cards you can accept,
ways to reduce fraud and what to do if errors or disputes are incurred.
Clear and easy-to-follow instructions on how to process transactions on your ANZ terminal
are provided by showing the terminal screen displays and instructions on what you need
to do when you see these display screens. As your Point of Sale (POS) system leads the
transaction, instructions in this Merchant Operating Guide may instruct you to refer to your
POS manual.
Please take time to read this manual thoroughly and ensure that your staff read it too.
1.1 Merchant Agreement
Your ANZ Merchant Agreement contains valuable information and important requirements
relating to operating procedures. Instructions in this Merchant Operating Guide form part
of the ANZ Merchant Agreement and may be varied or replaced by ANZ at any time.
ANZ strongly recommends that you follow the security checks and procedures in this guide
to assist in identifying and minimising fraudulent, invalid or unacceptable transactions.
ANZ may conduct an investigation if a transaction is believed to be fraudulent. The
operators of the applicable card schemes may also conduct their own investigations.
Your Merchant Agreement outlines the circumstances in which you will be liable for such
transactions. If it is found that you have processed invalid or unacceptable transactions,
you may be liable for the value of those transactions. Please refer to the General Conditions,
ANZ Merchant Services for more details.
1.2 Important Contact Details
ANZ Merchant Services (24 hours/7 days a week):
Online Stationery Ordering:
Authorisation Centre:
• Credit Cards (Visa
• Charge Cards (Diners Club)
• Charge Cards (American Express/JCB)
• Debit Cards (Cheque/Savings Accounts)
NOTE: Calls to 1800 numbers from a mobile phone will incur normal mobile phone charges.
1.3 Authorisation
Your terminal is designed to automatically seek authorisation from the cardholder's Card
Issuer while processing an electronic transaction.
Authorisation confirms that the card number is a valid card number and that there are
sufficient funds in the account. Despite a transaction being 'authorised' , the merchant bears
the risk that the customer is not the true cardholder.
and MasterCard
)
®
®
1800 039 025 or merchant@anz.com
www.anz.com/merchantconnect
1800 999 205
1800 331 112
1300 363 614
1800 039 025
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