merchant-agreement
merchant-agreement
merchant-agreement
Create successful ePaper yourself
Turn your PDF publications into a flip-book with our unique Google optimized e-Paper software.
Contents<br />
Section 1: Quick Reference Guide 5<br />
1. Introduction 6<br />
2. Processing transactions 6<br />
What is an authorisation? 7<br />
Authorisation is not a guarantee of payment 7<br />
Cardholder identifi cation (card present transactions) 7<br />
Additional security (card not present transactions) 7<br />
Floor limit 7<br />
Transaction splitting 8<br />
Manual authorisations 8<br />
3. Fallback transactions for EFTPOS terminals 9<br />
Fallback transactions 9<br />
Processing transactions during a system outage 9<br />
4. Pre-authorisations 10<br />
5. Off-line transactions and pre-authorisation completions 10<br />
6. Card not present transactions 10<br />
7. Internet based <strong>merchant</strong>s 11<br />
8. Storage of cardholder data 12<br />
9. Disputed transactions 12<br />
Fraudulent transactions 12<br />
Unrecognised transactions 13<br />
Unauthorised transactions 13<br />
Duplicate processing 13<br />
Recurring transactions 13<br />
Where to go for help 13<br />
Chargeback contact details 13<br />
10. The chargeback process 14<br />
Chargebacks 14<br />
Retrieval requests 14<br />
Information you need to supply 14<br />
Keep your records up to date 14<br />
Do not re-process charged back transactions 15<br />
Card not present liability 15<br />
11. Refunds 15<br />
Electronic refunds 15<br />
Manual refunds 15<br />
Processing a refund via paper credit vouchers 16<br />
Banking manual vouchers 16
Change language