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ANZ Mobile PLUS Operating Manual

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Merchant Operating Guide
ANZ POS Mobile Plus
SIMPLE AND RELIABLE PAYMENT SOLUTIONS

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Summary of Contents for ANZ Mobile PLUS

  • Page 1 Merchant Operating Guide ANZ POS Mobile Plus SIMPLE AND RELIABLE PAYMENT SOLUTIONS...

  • Page 2: Table Of Contents

    8.1 Typical Causes of Return and Corrections 8.2 Chargebacks 9. ANZ POS Mobile Plus 9.1 Terminal Features 9.2 Terminal Keypad 9.3 Card Reader 9.4 How to install ANZ POS Mobile Plus terminal 9.5 How to Load Printer Paper 9.6 Battery 9.7 Communication Mode...
  • Page 3 10. Processing a Sale 10.1 How to Process a Cheque or Savings Purchase using a Magnetic Stripe Card or Chip Card 10.2 How to Process a Credit Purchase Transaction using a Magnetic Stripe Card or a Chip Card 10.3 How to Process a Purchase Transaction using a Contactless Card 11.

  • Page 4: Welcome

    1. Welcome We are excited to welcome you as an ANZ Merchant and look forward to a long association with you. This 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. It also contains clear and easy-to-follow instructions on how to process transactions on your ANZ terminal.

  • Page 5: Floor Limits

    • Authorisation of the transaction does not mean that the true cardholder has authorised the transaction • Authorisation does not protect the merchant from chargebacks • ANZ cannot guarantee that a transaction has been conducted by the true cardholder. Authorisation Declined Where an Authorisation is declined, please seek an alternative method of payment.

  • Page 6: Change Of Business Details

    • Industry • Email Address. Should your business be sold, cease to trade or no longer require an ANZ Merchant Facility, please contact ANZ Merchant Services on 1800 039 025. The General Conditions set out your obligations when your business is sold, ceases to trade or no longer requires an ANZ Merchant Facility.

  • Page 7: Cards You Can Accept

    Please note that it is the authorised merchant’s responsibility to ensure that the Merchant Facility is returned. Failure to do so, may result in the continual charge of Terminal Rental Fees until all equipment is returned in accordance with condition 16(iv) of the ANZ Mer- chant Services General Conditions.

  • Page 8: Equipment Maintenance

    Replacement Merchant Cards can be ordered from ANZ Merchant Services on 1800 039 025 by the authorised person from your business. EFTPOS Merchant Card (Terminal ID card) • To Authorise a Refund Transaction, swipe through Magnetic Stripe Card Reader •...

  • Page 9: Stationery

    6. Fraud Minimisation Before commencing any transactions, please take time to read through the Fraud Minimisation, Data Security and Chargeback guide at ANZ.com for further detailed fraud information to assist you in protecting your business. 6.1 Card Present Card Checklist How to Safeguard Against Fraud: •...
  • Page 10 Police immediately. Split Ticket Transactions A transaction may be deemed invalid and charged back to you if, in ANZ’s reasonable opinion, it relates to one or more purchases made in the same merchant establishment which have been split into two or more transactions.

  • Page 11: Fraud Minimisation For Credit Cards

    ANZ to perform an “Extension 500 call” (refer to “Extension 500 / Code 10 calls” below) on 1800 999 205, and select Option 1 - Suspicious Transactions.
  • Page 12 • The customer’s signature on the Transaction Voucher should match the signature on the card. Card Validation Code (CVC2): The Card Validation security feature is activated in all ANZ POS Terminals when processing Mail Order and Telephone Order Transactions. To activate the CVC2 for other Transactions please contact ANZ Merchant Services on 1800 039 025.

  • Page 13: Fraud Minimisation For Debit Cards

    Payment Card Industry Data Security Standard (PCI DSS). If you need to process MOTO, eCommerce or recurring transactions regularly, talk to ANZ about our secure eCommerce payment solutions. Using a secure eCommerce solution, like...

  • Page 14: Securing Transaction Records

    ANZ provides a complimentary PCI DSS Compliance Program to our merchants, including PCI-approved Network Vulnerability Scanning – please email pcicompliance@anz.com or contact ANZ on 1800 039 025 to request access to our PCI DSS program. 7.2 Securing Transaction Records In general, no cardholder data should be stored unless it is strictly for use within the business and absolutely necessary.

  • Page 15: Errors And Disputes

    Where storage of cardholder data is required, you must ensure both the type of cardholder data retained, and the method used to store it is compliant with PCI DSS and ANZ requirements. Here are a few simple guidelines: •...

  • Page 16: Chargebacks

    30 months from the date of the transaction or such other period required by card schemes, Law or notified by ANZ. Chargebacks can occur for a number of reasons including a scenario where a Cardholder...

  • Page 17: Anz Pos Mobile Plus

    Chargebacks. If you need assistance understanding a particular Return and Correction or Chargeback, please contact ANZ Merchant Services on 1800 039 025 (24 hours a day, 7 days a week). 9. ANZ POS Mobile Plus This Merchant Operating Guide provides important information you need to know about processing debit and credit Transactions using your ANZ POS Mobile Plus terminal by showing the terminal screen displays.

  • Page 18: Card Reader

    ENTER (Green) The ENTER key will direct you to the ANZ EFTPOS MENU. It confirms that all values and details (including signatures and PINs) are correct in the EFT portion of the purchase, cash-out (refer to section 12) and Refund Transactions (refer to section 13). It also confirms that the transaction can be sent to the Bank for verification and approval.

  • Page 19: How To Install Anz Pos Mobile Plus Terminal

    9.4 How to install the ANZ POS Mobile Plus terminal Charger Connect to your power outlet Connect this to your USB Cable Connect this to your Connect this to your Terminal Serial Cable Connect this to your Terminal Connect this to your...
  • Page 20 For new terminal installation, please contact your IT support team or Point of Sale (POS) Vendor for new installation instructions before you follow the below steps. Please plug in the terminal’s base to your Point of Sale using either the serial or USB connections.
  • Page 21 Configuring Terminal Communications Press the Func key. Key in 11112227 then press ENTER. FUNCTION Press ENTER. CONFIGURE TERMINAL COMMS? Press the down or up key to cycle between COM0 (for SERIAL PORT Serial), COM1 and USB (for USB), press ENTER on your COM0 selection.
  • Page 22 The terminal returns to the main screen and displays a 'TMS REQUIRED' message. TMS Logon This screen is displayed if the terminal is required to log on to TMS. Press Func Key and key in 2468 then press ENTER. FUNCTION TMS LOGON? Press ENTER.
  • Page 23 Configuring the Terminal The terminal displays: "CONFIG REQUIRED". Press Func Key. Key in 9905 then press ENTER. FUNCTION? Swipe your EFTPOS Merchant Card (please refer to section 3 for more information). SWIPE MERCHANT CARD NOTE: if you do not have this, press <CLEAR> and manually key in the Terminal ID, then press <ENTER>.
  • Page 24 ANZ LINE SPEED? Press ENTER. 1-1200 TMS LINE SPEED? Press ENTER. 3-14400 PRE/POST DIAL? Press ENTER. 1-PRE - DIAL DIAL MODE? Press ENTER. 1 - TONE Press ENTER. PABX? If a 0 is required for an outside line, please ensure this is shown on this screen, otherwise press ENTER.
  • Page 25 The terminal has completed the Initialisation and will return to the main screen. NOTE: If the screen does not display "Initialising Please Wait", please contact ANZ Merchant Services on 1800 039 025 for further assistance. If you have an activation/reference number, please have the...

  • Page 26: How To Load Printer Paper

    NOTE: Do not tamper with or remove the terminal housing. 9.6 Battery The ANZ POS Mobile Plus terminal battery that will allow approximately 500 basic Transactions to be completed with one fully charged battery. A full charge of the battery will take up to 4 hours to complete.

  • Page 27: Communication Mode

    9.7 Communication Mode The ANZ POS Mobile Plus terminal’s base communicates to ANZ’s network via the Internet Provider that your Point of Sale System is connected to. The terminal itself communicates to its base via Bluetooth.

  • Page 28: Processing A Sale

    10. Processing a Sale 10.1 How to Process a Cheque or Savings Purchase using a Magnetic Stripe Card or Chip Card Please refer to your Point of Sale (POS) manual to initiate a Purchase transaction. Perform card security checks, please refer to section 6 Fraud Minimisation for further information.

  • Page 29: How To Process A Credit Purchase Transaction Using A Magnetic Stripe Card Or A Chip Card

    Have the cardholder enter their PIN then press $10.00 KEY PIN ENTER. The terminal status is displayed. PROCESSING PLEASE WAIT Please ensure that you check for approval of the transaction before completing the sale. Your POS TRANSACTION system should now print your transaction record. If APPROVED the transaction is declined, the terminal will display an error message outlining the reason (please refer...
  • Page 30 SELECT ACCOUNT PLEASE SELECT PRESS 1 VISA DEBIT Select Account PRESS 2 EFTPOS SAV Press < – > key for credit account. PRESS 3 EFTPOS CHQ Select Application* Press the number 1 on the keypad to make selection or scroll and press ENTER to select. *Application names and order can vary depending on the Card that is used.
  • Page 31 Signature Authorisation The preferred method of card payment authorisation in Australia is PIN. However, in certain circumstances the terminal will prompt for a signature. In these cases, the terminal will display the following screens: Press ENTER here to bypass PIN for a signature. NOTE: Only some cards will allow the terminal to bypass PIN.

  • Page 32: How To Process A Purchase Transaction Using A Contactless Card

    Additional Screens Associated with a Chip Card transaction Alternative screens that you may also see during a chip transaction are as follows: This screen is displayed if the card needs to be REMOVE CARD removed from the terminal. The terminal requires the Chip Card to be inserted INSERT CARD during the transaction.
  • Page 33 Perform card security checks, please refer to section 6 Fraud Minimisation for further information on the card security checks. Please ask the cardholder to tap their contactless card on the terminal screen. If the transaction is approved, this screen displays and the Point of Sale system prints a customer copy.

  • Page 34: Processing A Cash-Out Only Transaction

    To request this option, you must call ANZ Merchant Services. If the Cash-out is enabled on the terminal, the Cash-out transaction can only be processed when the terminal is online and an approved authorisation has been received from the issuing bank for this transaction.

  • Page 35: Processing A Refund Transaction

    Refund is only available if this transaction type has been enabled on the terminal otherwise the option will not appear on the display. If Refund is not enabled on the terminal, please contact ANZ Merchant Services on 1800 039 025 for assistance.
  • Page 36 How to Process a Cheque or Savings Refund Transaction Please refer to your Point of Sale (POS) manual to initiate a Refund transaction. Perform card security checks, please refer to section 6 Fraud Minimisation for further information on the card security checks. Insert or Swipe the cardholder’s card.
  • Page 37 If the transaction is approved, this screen is displayed TRANSACTION and the Point of Sale system prints a Transaction APPROVED Record. Please check for approval of the transaction before completing the refund. If rejected, the terminal will display an error message outlining the reason (please refer to section 17) .
  • Page 38 The selected account is displayed. CREDIT ACCOUNT Have the cardholder enter their PIN then $10.00 KEY PIN press ENTER. If the transaction is approved, the Point of Sale system will print a customer Transaction Record. TRANSACTION APPROVED Please check for approval of the transaction before completing the refund.
  • Page 39 NOTE: If YES or NO are not pressed within one minute on your Point of Sale System, the transaction is assumed to be approved and the terminal will return to the start screen. If the transaction is approved, this screen is displayed and the Point of Sale system prints a customer copy.
  • Page 40 If the transaction is approved, the Point of Sale system will print a customer Transaction Record. TRANSACTION APPROVED Please check for approval of the transaction before completing the refund. Hand the customer their copy of the Transaction Record and their card. If rejected, the terminal will display an error message outlining the reason (please refer to section 17).

  • Page 41: Electronic Fallback (Efb) Processing

    If the transaction is approved, this screen is displayed and the Point of Sale system prints a customer copy. TRANSACTION Please check for approval of the transaction before APPROVED completing the sale. If rejected, the terminal displays an error message outlining the reason. Notify the customer, advise them to contact their Card Issuer and seek an alternative form of payment.
  • Page 42 • The final online transactions for that day (which means EFB transactions will not automatically trickle through) • Terminals are swapped by an ANZ authorised representative to another location in the same store, for example from one lane to another in a supermarket.

  • Page 43: Manual Transaction Processing

    NOTE: If the terminal is rendered inoperable and needs to be swapped out, you will be unable to clear transactions using the method described below. You MUST call ANZ Merchant Services on 1800 039 025 for advice on how to retrieve and redeem your stored EFB transactions.
  • Page 44 • Please perform security checks If a Refund is required on a transaction that described in the Fraud Minimisation has not been deposited to ANZ, you must section of this guide (section 6) (if obtained) cancel the Authorisation. Please contact the appropriate •...
  • Page 45 Merchant Summary) • No more than 50 Vouchers can be banked with any one Merchant Summary Voucher • Imprint your ANZ Merchant Summary Card on a Merchant Summary Voucher • Complete the Voucher. Place into your Credit Card Summary envelope: •...
  • Page 46 • Merchants with an ANZ account, please deposit your Merchant Summary envelopes at any ANZ branch • For merchants without an ANZ account, the Merchant Summary envelope should be mailed to “Not for Value Merchant Envelopes, Settlement & Control Team, Level 5B, 833 Collins St Docklands VIC 3008”...
  • Page 47 Transaction over your Floor Limit from the appropriate Authorisation Centre e.g. cheque and savings account purchase Transactions over Floor Limit must be authorised by the ANZ Merchant Services (please refer to section 1.2). Record the Authorisation Number on the Voucher.
  • Page 48 Do not pin, staple or clip envelope contents. Make sure the envelope only contains Transaction and Refund Vouchers. NOTE: Do not include cheques, cash or other card scheme Vouchers eg. American Express, Diners Club or JCB as ANZ cannot process these card types.

  • Page 49: Hand Key (Manual Entry) Processing

    Transaction and Refund Voucher plus the total value of the Vouchers (or write up to 10 Voucher values directly on the EFTPOS Summary Voucher) • For Merchants with an ANZ account, please deposit your Merchant Summary envelopes at any ANZ branch •...
  • Page 50 “disputed” transaction. Please contact ANZ Merchant Services on 1800 039 025 before you hand key credit card details for Mail/Telephone Order and eCommerce Processing. You may only hand key credit card details for Mail/Telephone Order and eCommerce Processing if authorised by ANZ.
  • Page 51 Press <—> key for Customer Present (CUST) SELECT TYPE NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display. CUST MOTO ECOM Credit account will automatically be selected. CREDIT ACCOUNT Key in the Card Validation Code then press ENTER. NOTE: If the card number is manually entered directly VERIFICATION NO? through the Point of Sale, this screen may not display.

  • Page 52: Mail, Telephone And Ecommerce Order Processing

    15. Mail, Telephone and eCommerce Order Processing For merchants authorised by ANZ to process Mail Order, Telephone Order, Electronic and Recurring payments, the terminal will request that you identify the ‘source’ and the ‘nature’ of the transaction. NOTE: You are liable for any disputed transactions. The cardholder may dispute transactions for any reason.
  • Page 53 Key in the customer’s credit card number then press ENTER. CARD NUMBER: NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display. Key in the expiry date on the credit card then press ENTER.

  • Page 54: How To Process A Telephone Order Transaction (Scheme Cards Only)

    Please refer to your Point of Sale system to print a customer copy. 15.2 How to Process a Telephone Order Transaction (Scheme Cards only) NOTE: It is only available if you have approval from ANZ. Refer to your Point of Sale manual to initiate a purchase transaction.
  • Page 55 Press the Func key and press ENTER. NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display. Key in the customer’s credit card number then press ENTER. CARD NUMBER: NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display.

  • Page 56: How To Process An Ecommerce Order Transaction (Scheme Cards Only)

    15.3 How to Process an eCommerce Order Transaction (Scheme cards only) eCommerce Transactions are card transactions that are initiated by the cardholder via the Internet. NOTE: It is only available if you have approval from ANZ. Refer to your Point of Sale manual to initiate a purchase transaction.
  • Page 57 Press the Func key and press ENTER. NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display. Key in the customer’s credit card number then press ENTER. CARD NUMBER: NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display.

  • Page 58: Optional Features

    Tip allocation. NOTE: Due to Card scheme requirements, the Tip amount must be equal to or less than 15% (20% for restaurants) of the purchase transaction amount. To increase your Tip limit, please contact ANZ Merchant Services on 1800 039 025.
  • Page 59 How to Process a Tip@Terminal (Tip with PIN) Transaction Please refer to your Point of Sale manual to initiate a purchase transaction. Perform card security checks, please refer to section 6 fraud minimisation for further information. Key the TIP amount and verify the Total amount TOTAL AMOUNT? then press ENTER.
  • Page 60 Have the cardholder enter their PIN then press ENTER. $10.00 KEY PIN NOTE: Verification may not be required for contactless transactions. Terminal status is displayed. PROCESSING PLEASE WAIT Please check for approval of the transaction before completing the sale. If rejected, the terminal TRANSACTION displays an error message outlining the reason.

  • Page 61: Pre-Authorisation

    Terminal status is displayed. PROCESSING PLEASE WAIT The POS system prints a signature record. Have the SIGNATURE customer sign this and compare it to the signature REQUIRED on the reverse of the customer’s card. For a Magnetic Stripe transaction, this screen will be displayed.
  • Page 62 Some examples are listed below to assist in estimating your Pre-Authorisation amount: Example 1: A hotel may estimate transaction amounts based on: • Cardholder’s intended length of stay at check-in time • Room rate • Applicable tax • Service charge rates •...
  • Page 63 How to process a Pre-Authorisation Transaction Please refer to your Point of Sale manual to initiate a Pre-Authorisation transaction. Perform card security checks. For further information on the card security checks, please refer SWIPE OR to section 6 Fraud Minimisation. INSERT CARD Insert or Swipe the customer’s card or press Func Key to hand key card details.
  • Page 64 If ‘ENTER ’ was selected at the ‘VERIFICATION NO?’ prompt, the reason must be entered as follows: INDICATOR? 0 - CVV2 has not been provided by the cardholder 2 - CVV2 on the card is illegible 9 - Cardholder states the card has no CVV2 imprint NOTE: If the card number is manually entered directly through the Point of Sale, this screen may not display.
  • Page 65 For a Magnetic Stripe transaction, this screen will be displayed. If the signatures match, select YES on your SIGNATURE Point of Sale system. If they do not, select NO to VERIFIED? decline the transaction. For a Chip Card transaction, this screen will be REMOVE CARD prompted to and please remove the card from the SIGNATURE...
  • Page 66 How to Perform an Authorisation Value enquiry You may check the total value of funds placed on hold prior to completing a Pre-Authorisation Transaction. Please refer to your Point of Sale manual to initiate this enquiry. Perform card security checks. For further information on the card security checks, please refer SWIPE CARD to section 6 Fraud Minimisation.
  • Page 67 The Voucher should be retained for a period of 30 months or other period as required by Law or stated by ANZ. The completion amount should be within 15% of the Pre-Authorisation Transaction. If the completion amount varies by greater than 15%, the terminal will display an ‘AMOUNT NOT...
  • Page 68 Please refer to your Point of Sale manual to initiate a Completion of Pre-Authorisation transaction. Perform card security checks. For further information on the card security checks, please refer SWIPE OR to section 6 Fraud Minimisation INSERT CARD Insert or Swipe the customer’s card or press Func to hand key card details.
  • Page 69 Pre-Authorisation as soon as possible. You can cancel a Pre-Authorisation on ANZ Australian-issued cards which have been previously authorised through an ANZ POS Mobile Plus terminal. Where more than one Pre- Authorisation has been performed, one or all transactions may be cancelled. You cannot cancel a Pre-Authorisation on non-ANZ cards.
  • Page 70 Select NO on your Point of Sale system. CANCEL ALL? To cancel one Pre-Authorisation Transaction, select YES on your Point of Sale system. CANCEL ONE? Perform card security checks. Swipe the cardholder’s card or press Func Key to hand key card SWIPE CARD details.
  • Page 71 Cancellation of all Pre-Authorisation Transactions (on ANZ Australian-issued cards) Please refer to your Point of Sale manual to initiate a cancellation of Pre-Authorisation transaction. Perform card security checks. For further information on the card security checks, please refer to section 6 Fraud Minimisation.

  • Page 72: Customer Preferred Currency

    Record. APPROVED 16.3 Customer Preferred Currency Customer Preferred Currency (CPC) may have been activated on ANZ POS Mobile Plus terminals for eligible merchants who deal with overseas credit cardholders within selected merchant categories. This optional feature is offered in association with The WorldPay Limited and allows merchants to offer overseas MasterCard®...
  • Page 73 Note: Exchange rate mark-up is payable to ANZ and WorldPay. Please do not impose any additional requirements or charges on the cardholder to process the Transaction in the card’s local currency. Card Not Present CPC Transactions • Disclose the following to the cardholder:...
  • Page 74 Select < u— > key for credit card account. SELECT ACCOUNT CHQ SAV The selected account is displayed. CREDIT ACCOUNT Have the cardholder enter their PIN then press ENTER. $10.00 KEY PIN PROCESSING PLEASE WAIT To accept CPC, the Cardholder should press ENTER EXCH 0.7792 (YES).

  • Page 75: Low Value Payments

    If the LVP function is available, the processing flow is the same as a normal ANZ purchase transaction. However PIN entry or Signature will not be required if the value of the transaction is equal to or less than the respective card scheme’s LVP limit.
  • Page 76 How to process an LVP Transaction Perform card security checks. NOTE: Please refer to section 6 fraud minimisation for further information on card security checks. Key in the purchase amount then press ENTER. PURCHASE AMOUNT? $10.00 Press ENTER. CASH OUT AMOUNT? NOTE: Cash-out is not available for LVP transactions.

  • Page 77: Terminal Error Messages

    Services. When contacting ANZ Merchant Services, please ensure you have your Merchant Identification or Terminal Identification number available. If an error message appears on the terminal but is not listed below, please call ANZ Merchant Services on 1800 039 025 for assistance.
  • Page 78 CARD MUST BE then swipe the card through the Magnetic Stripe SWIPED Card Reader. Follow the display screen prompts. The ANZ network does not accept this card. Refer the cardholder to the Issuer and request an CARD alternative method of payment.
  • Page 79 The customer PIN was keyed incorrectly. Advise the customer to re-enter their PIN. PIN INCORRECT PLEASE TRY AGAIN The customer has incorrectly keyed the PIN three times. Refer the cardholder to their Issuer and TRAN CANCELLED request an alternative method of payment. PIN ERROR REFER If the Tip amount exceeds 20% of the purchase transaction amount, the terminal displays this...
  • Page 80 Refer the cardholder to the Issuer and request an alternative method of payment. CHIP APPLICATION NOT ACCEPTED The transaction has been declined as details on the chip and card do not match. Refer the cardholder to TRAN CANCELLED the Issuer and request an alternative method of TRACK 2 MISMATCH payment.

  • Page 81: Settlement

    18. Settlement ANZ offers same day settlement, every day. For ANZ business account holders, funds are available on the same day for ANZ POS Mobile Plus terminal transactions settled before 9.00pm (AEST). For non-ANZ business account holders, ANZ transfers the funds to the merchant’s bank on the following business day and the availability of the funds will be determined by the merchant’s bank.
  • Page 82 How to initiate manual settlement Please refer to your Point of Sale manual to initiate the settlement. The terminal will automatically display the following screens in sequence. Please refer to your Point of SETTLEMENT Sale System to print a Settlement Report. IN PROGRESS TRANSACTION APPROVED...

  • Page 83: Print Totals

    19. Print Totals The Sub Totals report lists the total number and amount of all transactions made since the last Settlement by card type. The Summary Totals report lists the total number and amount of credit and debit card transactions made since the last report by transaction type. This does not include American Express, Diners Club or JCB totals.

  • Page 84: Transaction Detail Report

    30 months from the date of the transaction or such other period required by Law or notified by ANZ. For easy retrieval of Vouchers and Transaction Records, it is recommended to file them in date order.
  • Page 85 Chip card receipt Example MERCHANT COPY XYZ MERCHANT Merchant details 890 ABC ST MELBOURNE 3000 Terminal ID, Card Scheme, Card entry mode Identifier, the type of card that TERMINAL ID 00013005006 has been used and last 4 digits for VISA (C) CR the card.
  • Page 86 THE CURRENCY CONVERSION rate will be printed on the receipt SERVICE IS CONDUCTED with any commissions or fees BY ANZ. charged printed separately for CPC Visa transaction only. EXCH. RATE MARK UP 2.5% COMMISSION/FEE $0.00 An “Accept”...
  • Page 87 Transaction Records for Magnetic Stripe Cards Purchase Transaction Record-Debit Card MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 DEBIT CARD AC (C) SAV DEBIT CARD AC (C) SAV 9930 9930...
  • Page 88 Transaction Records for Magnetic Stripe Cards Purchase Transaction Record - Signature Required* MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9991 9991...
  • Page 89 Purchase with Tip@Terminal (Tip with PIN) Transaction Records - No Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9991 9991...
  • Page 90 MERCHANT'S LOCAL CURRENCY. CHOICE OF CURRENCIES FOR I ACKNOWLEDGE THE CURRENCY PAYMENT, INCLUDING THE CONVERSION SERVICE IS MERCHANT'S LOCAL CURRENCY. CONDUCTED BY ANZ. I ACKNOWLEDGE THE CURRENCY CONVERSION SERVICE IS EXCH. RATE MARK UP 2.5% CONDUCTED BY ANZ. COMMISSION/FEE $0.00 EXCH.
  • Page 91 CPC Purchase MasterCard® Transaction Records MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 MASTERCARD (C) CR MASTERCARD (C) CR 7898 7898 $20.00 $20.00 TRANSACTION CURRENCY TRANSACTION CURRENCY EXCH.
  • Page 92 Debit Refund Transaction MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 DEBIT CARD AC (C) SAV DEBIT CARD AC (C) SAV 9930 9930 *REFUND* $10.00 *REFUND* $10.00...
  • Page 93 Credit Refund Transaction - Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9991 9991 *REFUND* $10.08 *REFUND* $10.08 APPROVED...
  • Page 94 00013009803 TERMINAL ID 00013009803 MASTERCARD (C) CR MASTERCARD (C) CR 0909 0909 TOTAL $10.00 TOTAL $10.00 ANZ BANK ANZ BANK A0000000041010 A0000000041010 0000000000 0000000000 APSN 00 C00002 ATC 0023 APSN 00 C00002 ATC 0023 APPROVED AUTH: 337119 APPROVED AUTH: 337119...
  • Page 95 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 MASTERCARD (C) CR MASTERCARD (C) CR 0909 0909 $10.08 $10.08 ANZ BANK --------------------------------------------- A0000000041010 SIGNATURE 0000000000 APSN 00 C08006 ATC 0024 ANZ BANK A0000000041010 APPROVED AUTH: 730471 0000000000 STAN: 005127 APSN 00...
  • Page 96 LOCAL CURRENCY. I ACKNOWLEDGE THE CURRENCY I ACKNOWLEDGE THE CURRENCY CONVERSION SERVICE IS CONVERSION SERVICE IS CUNDUCTED BY ANZ. CUNDUCTED BY ANZ. EXCH. RATE MARK UP 2.5% EXCH. RATE MARK UP 2.5% [ ] I AGREE TO THE [ ] I AGREE TO THE...
  • Page 97 Contactless Purchase Transaction - Offline CUSTOMER COPY XYZ MERCHANT 890 PARK ST MELBOURNE 3000 TERMINAL ID 00013009803 VISA (C) CR 5400 TOTAL $1.00 VISA CREDIT A0000000031010 0000000000 APSN 00 P--Y18 ATC 007A APPROVED * REC NO:0568 29/02/12 14:06 MESSAGE LINE 1 MESSAGE LINE 2 PLEASE RETAIN FOR YOUR RECORD...
  • Page 98 Contactless Purchase Transaction - No Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 5400 5400 $15.00 $15.00 VISA CREDIT VISA CREDIT...
  • Page 99 Contactless Purchase Transaction - Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 2368 2368 $15.00 $15.00 VISA PREPAID --------------------------------------------- A0000000031010...
  • Page 100 Chip Refund Transaction - No Signature Required CUSTOMER COPY XYZ MERCHANT 890 PARK ST MELBOURNE 3000 TERMINAL ID 00013009803 VISA (C) CR 5400 *REFUND* AUD $10.00 VISA CREDIT A0000000031010 0000000000 APSN 00 APPROVED AUTH: 881509 STAN: 005132 28/02/12 10:51 MESSAGE LINE 1 MESSAGE LINE 2 PLEASE RETAIN FOR YOUR RECORD...
  • Page 101 Chip Refund Transaction - Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 5400 5400 *REFUND $10.08 *REFUND $10.08 VISA CREDIT...
  • Page 102 Chip Purchase Transaction – Offline MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 0010 0010 $10.91 $10.91 --------------------------------------------- VISA CREDIT SIGNATURE A0000000031010...
  • Page 103 MERCHANT'S LOCAL CURRENCY. MERCHANT’S LOCAL CURRENCY. I ACKNOWLEDGE THE CURRENCY I ACKNOWLEDGE THE CURRENCY CONVERSION SERVICE IS CONVERSION SERVICE IS CONDUCTED BY ANZ. CONDUCTED BY ANZ. EXCH. RATE MARK UP 2.5% EXCH. RATE MARK UP 2.5% COMMISSION/FEE $0.00 COMMISSION/FEE $0.00...
  • Page 104 MERCHANT'S LOCAL CURRENCY. CHOICE OF CURRENCIES FOR I ACKNOWLEDGE THE CURRENCY PAYMENT, INCLUDING THE CONVERSION SERVICE IS MERCHANT'S LOCAL CURRENCY. CONDUCTED BY ANZ. I ACKNOWLEDGE THE CURRENCY CONVERSION SERVICE IS EXCH. RATE MARK UP 2.5% CONDUCTED BY ANZ. COMMISSION/FEE $0.00 EXCH.
  • Page 105 MERCHANT'S LOCAL CURRENCY. PAYMENT, INCLUDING THE I ACKNOWLEDGE THE CURRENCY MERCHANT'S LOCAL CURRENCY. CONVERSION SERVICE IS I ACKNOWLEDGE THE CURRENCY CONDUCTED BY ANZ. CONVERSION SERVICE IS EXCH. RATE MARK UP 2.5% CONDUCTED BY ANZ. COMMISSION/FEE $0.00 EXCH. RATE MARK UP 2.5% [ ] I AGREE TO THE COMMISSION/FEE $0.00...
  • Page 106 Cash-out MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 DEBIT CARD AC (C) SAV DEBIT CARD AC (C) SAV 9930 9930 CASH OUT AUD $10.00 CASH OUT AUD $10.00...
  • Page 107 Purchase with Cash-out MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 DEBIT CARD AC (C) SAV DEBIT CARD AC (C) SAV 9930 9930 $15.00 $15.00 CASH OUT $10.00...
  • Page 108 EFB Purchase MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9991 9991 $10.91 $10.91 APPROVED * AUTH: 123456 --------------------------------------------- REC NO:0496 SIGNATURE...
  • Page 109 EFB Refund MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9991 9991 *REFUND* AUD $10.91 *REFUND* AUD $10.91 APPROVED* --------------------------------------------- REC NO:0572...
  • Page 110 Pre-Authorisation Transactions Pre-Authorisation Transaction - Magnetic Stripe Cards With No Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9999999999999999 1213...
  • Page 111 Pre-Authorisation Transaction - Chip Cards with No Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9999999999999999 C1122 9999 PRE AUTH AUD...
  • Page 112 Pre-Authorisation Transaction - Chip Cards with Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 9999999999999999 1122 9999 1122 PRE AUTH AUD...
  • Page 113 Pre-Authorisation Completion Transaction - Chip Cards with Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 5400 5400 COMP $40.00...
  • Page 114 Cancellation Mail Order Transaction CUSTOMER COPY CUSTOMER COPY CANCELLED AUTHORISATION XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 5400 5400 $10.00 PRE AUTH $200.00 SINGLE PHONE ORDER APPROVED...
  • Page 115 Ecommerce Transaction Telephone Order Transaction CUSTOMER COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013009803 VISA (C) CR VISA (C) CR 5400 5400 $10.00 $10.00 INSTALMENT PHONE ORDER RECURRING ECOMMERCE APPROVED AUTH: 536997...
  • Page 116 Other Transaction Records Initialisation Settlement ANZ SETTLEMENT ANZ INITIALISATION TERMINAL ID 00013009803 TERMINAL ID 00013009803 APPROVED 00 APPROVED 00 STAN: 005202 STAN: 005235 28/02/12 15:34 29/02/12 14:44 Settlement Previously Taken ANZ SETTLEMENT TERMINAL ID 00013009803 DECLINED 12 SETTLEMENT ALREADY TAKEN...
  • Page 117 28/02 13:23 $10.00 890 PARK ST 005152 456461 PUR VI MELBOURNE 3000 28/02 13:11 $10.91 005153 456461 PUR VI ANZ EFTPOS 28/02 13:31 $10.00 DETAIL REPORT 005154 456461 PUR VI AS AT 28/02/12 28/02 13:39 $10.00 005120 560254 PUR DB...
  • Page 118 Summary Totals Failed Summary Totals ANZ SUMMARY TOTALS ANZ SUMMARY TOTALS XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID 00013005007 $489.42 0031 $0.00 0000 CASH $10.00 0001 CASH $0.00 0000 RFND $61.98 0006...
  • Page 119 Sub-totals Failed Sub-totals ANZ SUB TOTALS ANZ SUB TOTALS XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013009803 TERMINAL ID ID 00013009847 AS AT 00/00/00 DEBIT CARD AC $16.00 0002 $0.00 0000 CASH $10.00...
  • Page 120 Last Summary Totals Tip Added Report ANZ LAST SUMMARY TOTALS ANZ TIP ADDED REPORT XYZ MERCHANT TERMINAL ID ID 00013009803 890 PARK ST MELBOURNE 3000 VISA (C) CR 410749 014 C1210 TERMINAL ID ID 00013009803 $20.00 TIP $ 2.00 AS AT 28/02/12 TOTAL $22.00...
  • Page 121 NOT A VALID TRANSACTION TERMINAL ID 12345678901 VISA (C) CR 9991 $1000.00 APPROVED AUTH: 123456 STAN: 005237 29/02/12 14:59 This Merchant Operating Guide forms part of your Merchant Agreement and may be varied or replaced by ANZ at any time.
  • Page 122 anz.com...

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