merchant-agreement

36
(l) must not accept a nominated card or a transaction which is of a type we have
previously advised you is not acceptable to us; and
(m) must provide suffi cient training to your employees to ensure you meet your
obligations under this agreement; and
(n) must prominently and unequivocally inform the cardholder of your identity at all
points of cardholder interaction (including on any relevant web site, promotional
material and invoice) so that the cardholder can readily distinguish you from any
supplier of goods or services to you or any other third party; and
(o) must provide notice to any cardholder with whom you enter into a transaction
that you are responsible for that transaction, including for any goods and services
provided, any payment transaction, related service inquiries, dispute resolution and
performance of the terms and conditions of the transaction; and
(p) must not unfairly distinguish between issuers of a nominated card when processing
a transaction; and
(q) must not refuse to complete a transaction solely because a cardholder refuses to
provide additional identifi cation information in circumstances where we do not
require you to obtain it; and
(r) must, if we have notifi ed you that you can offer cardholders an instalment option:
Surcharging
(i) disclose to them in writing whether the instalment terms limit the goods or
services that the cardholder may purchase. The disclosure must also include
the shipping and handling charges and any applicable tax; and
(ii) inform a cardholder not billed in the transaction currency that each instalment
amount may vary due to currency conversion rate fl uctuations; and
(iii) ensure that the sum of the instalment transaction does not exceed the total
price of the goods or services; and
(iv) obtain authorisation for all transactions; and
(v) not add any fi nance charges to the instalment transaction.
3.8. In respect of surcharging:
(a) you must disclose to a cardholder before a transaction is completed any fee that you
will charge for completing the transaction and do it in such a way that allows the
transaction to be cancelled, without the cardholder incurring any cost; and
(b) you acknowledge that card issuers may from time to time change the classifi cation
of a credit card (ie. standard or premium) and, as a result when applying a surcharge
rate to a cardholder, it cannot be guaranteed that the classifi cation of the credit card
(ie. standard or premium) on which you have based the surcharge will be same as the
classifi cation on which you are charged your merchant service fee in relation to the
same transaction.