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ANZ POS Plus 2 Operating Manual

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Merchant Operating Guide
ANZ POS Plus 2
SIMPLE AND RELIABLE PAYMENT SOLUTIONS

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Summary of Contents for ANZ POS Plus 2

  • Page 1 Merchant Operating Guide ANZ POS Plus 2 SIMPLE AND RELIABLE PAYMENT SOLUTIONS...

  • Page 2: Table Of Contents

    9. ANZ POS Plus 2 9.1 Terminal Features 9.2 Terminal Keypad 9.3 Card Reader 9.4 How to install ANZ POS Plus 2 terminal 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...
  • Page 3 14. Manual Transaction Processing 14.1 Paper Voucher Processing 14.2 Hand key (Manual Entry) Processing 15. Mail, Telephone and eCommerce Order Processing 15.1 How to Process a Mail Order Transaction (Scheme Cards only) 15.2 How to Process a Telephone Order Transaction (Scheme Cards only) 15.3 How to Process an eCommerce Order Transaction (Scheme cards only) 16.

  • Page 4: Welcome

    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.

  • Page 5: Floor Limits

    NOTE: • 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 • No voice authorisation allowed with UnionPay credit and debit cards. 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 immediately on 1800 039 025. The ANZ Merchant Services General Conditions sets 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

    NOTE: 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 Merchant Services General Conditions. 2. Cards You Can Accept Credit Cards Cardholders can use credit cards (MasterCard®, Visa®...

  • Page 8: Merchant Cards

    If any damage to the power units or cords are found on your terminal, please contact ANZ Merchant Services on 1800 039 025 for assistance. It is important to clean your terminal regularly to maintain its operating efficiency as you may be charged if it is damaged.

  • Page 9: Stationery

    • 25 x EFTPOS Summary Vouchers • Magnetic Stripe Card Reader Cleaner. To re-order stationery, please visit www.anz.com/merchantconnect or contact ANZ Merchant Services on 1800 039 025. Please note that you are only allowed to use the stationery approved by ANZ. 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...
  • Page 10 Please report all fraudulent activities to the 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 Card Validation Code (CVC2): The Card Validation security feature is activated in all ANZ POS Plus 2 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

    Businesses store credit card details for various purposes. While sometimes this is necessary to support legitimate business practices, storage of card data can lead to theft of customer information and significant impact to your business. ANZ recommends that card data is never stored on your systems.

  • Page 14: Pci Dss - Payment Card Industry Data Security Standard

    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 a Bank- hosted payment page or PCI-compliant payment gateway, can remove most of the requirements for your business to store or handle card data directly, ensuring enhanced security for your business.

  • Page 15: Securing Transaction Records

    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: Errors And Disputes

    It is important that you are fully aware of your obligations, the processes involved and possible outcomes. Please take time to carefully read the Fraud Minimisation, Data Security and Chargeback guide at ANZ.com. Please refer to the General Conditions. You may be charged back for the value of a credit or debit (Card schemes-issued) card sale where you have failed to follow the Bank’s...
  • Page 17 Please refer to the General Conditions of your Merchant Agreement for further information on 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).

  • Page 18: Terminal Features

    Function key ENTER key CANCEL key CLEAR key Chip Card Reader The ANZ POS Plus 2 terminal incorporates a large colour graphic screen, 18 function keys, a Magnetic Stripe Card Reader, a Chip Card Reader and a built-in Contactless Card Reader.

  • Page 19: Terminal Keypad

    9.2 Terminal Keypad SOFT-FUNCTION KEYS These soft-function keys allow you to access the particular account type required. NUMBER KEYS (Black) Use the number keys to enter in the card details when the hand key function is required. ENTER (Green) The ENTER Key confirms that all values and details (including signatures and PINs) are correct in the EFT portion of the purchase, cash-out (refer to section 10 and 11) and Refund Transactions (refer to section 12).
  • Page 20 Tap the contactless-enabled card within 4cm of the main screen on the ANZ Contactless Terminal until you hear the long “Beep” and four lights illuminated above the ANZ logo on the top of the terminal then follow the terminal prompts to complete the transaction.

  • Page 21: How To Install Anz Pos Plus 2 Terminal

    9.4 How to install ANZ POS Plus 2 terminal Connect to Connect to your terminal USB cable your PC Connect to Connect to your PC your terminal Serial cable For new terminal installation, please contact your IT support team or Point of Sale Vendor for new installation instructions before you follow the below steps.
  • Page 22 SERIAL PORT Press <▼> key or <▲> key to cycle between COM0 the COM0 and USB connections. USB SLAVE NOTE: COM0 to be selected for Serial cable and USB Slave USB ->RS232 to be selected for USB cable. PROTOCOL ASYNC DLE 9600 Press ENTER.
  • Page 23 ANZ LINE SPEED? Press ENTER. 1-1200 Press ENTER. TMS LINE SPEED? 3-14400 Press ENTER. PRE/POST DIAL? 1-PRE - DIAL Press ENTER. DIAL MODE? 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 24 TMS REQUIRED The terminal returns to the main screen and displays a “TMS REQUIRED” message. TMS Logon TMS REQUIRED 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? Press ENTER.
  • Page 25 TMS LOGON This screen is displayed when TMS logon is SUCCESSFUL successful. INIT REQUIRED Once the TMS LOGON is successful, please press ENTER to return to the main screen. This screen is then displayed with an “INIT REQUIRED” message. Terminal Initialisation INIT REQUIRED This screen is displayed if the terminal is required to initialise.

  • Page 26: Processing A Sale

    The terminal has completed the initialisation and returns back 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 number handy.

  • Page 27: How To Process A Credit Purchase Transaction Using A Magnetic Stripe Card Or Chip Card

    SELECT ACCOUNT PLEASE SELECT PRESS 1 VISA DEBIT Select Account PRESS 2 EFTPOS SAV Press <-> key for cheque account or PRESS 3 EFTPOS CHQ < ▼ > key for savings account. Select Application* Press the number on the keypad to make selection or scroll and press ENTER to select.
  • Page 28 Perform card security checks, please refer to section 6 Fraud Minimisation for further information on the card security checks. Insert or Swipe cardholder’s card. Chip Cards are to be inserted and left in the Chip Card Reader. Magnetic Stripe Cards are to be swiped through the Magnetic Stripe Card Reader.
  • Page 29 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 $10.00 KEY PIN PIN.

  • Page 30: 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 31 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 32: 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 33: 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 34 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 35 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 36 The selected account is displayed. CREDIT ACCOUNT Have the cardholder enter their PIN then press $10.00 KEY PIN 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 37 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 38 If the transaction is approved, the Point of Sale system will print a customer Transaction Record. Please check TRANSACTION for approval of the transaction before completing the APPROVED 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 39: Electronic Fallback (Efb) Processing

    13. Electronic Fallback (EFB) Processing Electronic Fallback Processing (EFB) allows you to process transactions using your terminal when: • A communications time-out occurs • The Card Issuer is not available. The transactions are stored in the terminal and are trickle-fed for processing once the terminal communications lines are restored.
  • Page 40 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 41: Manual Transaction Processing

    14.1 Paper Voucher Processing If you are unable to process transactions electronically due to terminal failure, please report the failure to ANZ Merchant Services immediately and obtain authorisation to process transactions manually. You must not split the transaction and use two or more sales vouchers to avoid authorisation calls.
  • Page 42 For Purchases For Refunds • Perform security checks described in the If a Refund is required on a Transaction that has not been deposited to ANZ, you must Fraud Minimisation section of this guide (if obtained) cancel the Authorisation. (section 6)
  • Page 43 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 44 8 Voucher values directly on the Merchant Summary) • 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 &...
  • Page 45 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 ANZ Merchant. Services (please refer to section 1.2). Record the Authorisation Number on the Voucher. Compare the signature on the Voucher with that on the card. If the signatures match, complete the transaction.
  • Page 46 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 47: 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) • Merchants with an ANZ account, please deposit your Merchant Summary envelopes at any ANZ branch •...
  • Page 48 “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 49 Press <—> key for Customer Present (CUST) SELECT TYPE NOTE: If the card number is manually entered directly CUST MOTO ECOM through the Point of Sale, this screen may not display. 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 50: 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 51 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 52: 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 53 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 54: 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 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: 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 57 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 58 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 59 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 60: Pre-Authorisation

    16.2 Pre-Authorisation A merchant who operates a Hotel, Car Rental or Cruise Line business can process a Pre-Authorisation Transaction. Access to Pre-Authorisation menu screens (PRE AUTH) will be available to approved merchants within these specific industry groups. Pre-Authorisation authorises a transaction that will be completed at a later time. These transactions can only be performed on credit card accounts.
  • Page 61 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 62 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 63 For a Magnetic Stripe transaction, this screen will be displayed. If the signatures match, select YES on SIGNATURE your Point of Sale system. If they do not, select NO VERIFIED? to decline the transaction. For a Chip Card transaction, this screen is displayed. Remove the card from the terminal and compare it REMOVE CARD to the signature on the reverse of the customer’s...
  • Page 64 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 65 For Visa and MasterCard you must send your completion transaction within three days of the Pre-Authorisation. For UnionPay card transaction you must send your completion transaction within 30 days of the Pre-Authorisation. NOTE: The examples above act as a guide only. Please remember that Pre-Authorisation places cardholder funds on hold for a time determined by the Card Issuer.
  • Page 66 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 Plus 2 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 67 Please refer to your Point of Sale manual to initiate a cancellation of a Pre-Authorisation transaction. Perform card security checks. For further information on the card security checks, please refer to section 6 Fraud Minimisation. Select NO on your Point of Sale system. CANCEL ALL? To cancel one Pre-Authorisation Transaction, select YES on your Point of Sale system.
  • Page 68 Cancellation of Pre-Authorisation Transaction TRANSACTION Record. APPROVED 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 69: Customer Preferred Currency

    Record. APPROVED 16.3 Customer Preferred Currency Customer Preferred Currency (CPC) may have been activated on ANZ POS Plus 2 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 70 4. The cardholder has acknowledged that the merchant will conduct the CPC services. 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.
  • Page 71 Perform card security checks, please refer to section 6 Fraud Minimisation for further information on card security checks. Insert or Swipe the cardholder’s card. Chip Cards are to be inserted and left in the Chip Card Reader. Magnetic Stripe Cards are to be swiped through the Magnetic Stripe Card Reader.

  • Page 72: 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 73 When the LVP function has been switched on, the requirements before commencing a transaction for ‘LVP’ processing after ‘Account Selection’ is as follows: • Transaction type - Purchase • Account type - Credit • Amount of the ‘Purchase’ is equal to or less than the ‘LVP’ transaction limit. How to process an LVP Transaction Perform card security checks.

  • Page 74: 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 75 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 76 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 77 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 78: 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 Plus 2 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 79: 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. This report does include American Express, Diners Club and JCB total. The Summary Totals report lists the total number and amount of credit and debit card transactions made since the last by transaction type.

  • Page 80: 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 81 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 82 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 83 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...
  • Page 84 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 85 Purchase with Tip@Terminal 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 00013005007 TERMINAL ID 00013005007 Visa® (C) CR Visa® (C) CR 9991 9991 $600.00 $600.00...
  • Page 86 Purchase with Tip@Terminal Transaction Records – Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013005007 TERMINAL ID 00013005007 Visa® (C) CR Visa® (C) CR 9991 9991 $600.00 $600.00 $10.00...
  • Page 87 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 88 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 89 MERCHANT'S LOCAL CURRENCY. I HAVE BEEN OFFERED A I ACKNOWLEDGE THE CURRENCY CHOICE OF CURRENCIES FOR CONVERSION SERVICE IS PAYMENT, INCLUDING THE CONDUCTED BY ANZ. MERCHANT'S LOCAL CURRENCY. I ACKNOWLEDGE THE CURRENCY EXCH. RATE MARK UP 2.5% CONVERSION SERVICE IS COMMISSION/FEE $0.00 CONDUCTED BY ANZ.
  • Page 90 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 91 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 CONDUCTED BY ANZ. EXCH. RATE MARK UP 2.5% COMMISSION/FEE $0.00 EXCH. RATE MARK UP 2.5% COMMISSION/FEE $0.00...
  • 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 9930C *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 Purchase with Tip@Terminal 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 00013005006 TERMINAL ID 00013005006 Visa® (C) CR Visa® (C) CR 8804 8804 $600.00 $600.00...
  • Page 97 Purchase with Tip@Terminal Transaction Records – Signature Required MERCHANT COPY CUSTOMER COPY XYZ MERCHANT XYZ MERCHANT 890 PARK ST 890 PARK ST MELBOURNE 3000 MELBOURNE 3000 TERMINAL ID 00013005006 TERMINAL ID 00013005006 Visa® (C) CR Visa® (C) CR 8804 8804 $600.00 $600.00 $10.00...
  • Page 98 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 99 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 100 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 101 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 102 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 103 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 104 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 105 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 106 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 107 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 INFORMATION ABOVE COMMISSION/FEE $0.00...
  • 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 1122 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 Mail Order Transaction Cancellation 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 RECURRING ECOMMERCE INSTALMENT PHONE ORDER APPROVED AUTH: 045669...
  • 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 Other Transaction Records Settlement Previously Taken ANZ SETTLEMENT TERMINAL ID 00013009803 DECLINED 12...
  • 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 1210 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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