merchant-agreement

(b) any reporting requirements you have are working to your satisfaction, and when
we are satisfi ed all of our operational requirements are met, we will approve you
for live operation.
4.13. Your web site payments page must be protected by Secure Sockets Layer or any other
form of security method approved by us.
Non-internet based electronic commerce merchant services
4.14. Without limitation to any other clause of these general terms and conditions, you must
comply with any additional terms and conditions we prescribe from time to time for
any non-internet based electronic commerce merchant services we supply to you.
Recurring transactions
4.15. You may only process a transaction as a recurring transaction if:
(a) you have obtained cardholder permission (either electronically or in hardcopy)
to periodically charge for a recurring service; and
(b) you retain this permission for the duration of the recurring services and make it
available to us on request; and
(c) you provide a simple and accessible online cancellation procedure, if the cardholder
request for the goods or services was initially accepted online.
4.16. You must not:
(a) include partial payment for goods or services purchased in a single transaction; or
(b) add any additional fi nance charges on a recurring transaction; or
(c) complete a recurring transaction if you receive a decline response or a cancellation
notice from the cardholder.
Quasi-cash transactions
4.17. Clauses 4.18 to 4.21 (inclusive) apply to merchants conducting quasi-cash
transactions (a transaction involving the purchase of goods easily converted into cash
such as gaming chips, money orders or foreign cash). To the extent that there is any
inconsistency between this clause and the other provisions of the agreement, clauses
4.18 to 4.21 (inclusive) will prevail.
4.18. You must identify the cardholder as follows:
(a) where the card does not bear a photograph of the cardholder, you must sight
positive identifi cation of the cardholder, and indicate the type of identifi cation
sighted, including any serial number, on the transaction receipt; or
(b) where the card bears a photograph of the cardholder, you must note on the
transaction receipt that you verifi ed the cardholder’s identity by the photograph
on the card.
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