merchant-agreement

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4.19. You must verify the following:
(a) the signature on the card matches the signature on the transaction receipt and,
where clause 4.18(a) applies, on the identifi cation presented; and
(b) where clause 4.18(b) applies, the Cardholder resembles the person depicted in any
photograph intended to be used as identifi cation on the card.
4.20. You must do the following before completing the transaction:
(a) compare the fi rst four digits of the embossed card account number to the fi rst four
digits printed below the card account number (if the numbers do not match, do not
proceed with the transaction); and
(b) record the printed fi rst four digits on the front of the transaction receipt.
4.21. You must clearly disclose to the cardholder any commission you charge for accepting
a quasi-cash transaction and include in the total transaction amount, before
completing the transaction.
5. Authorisation and authentication
Authorisation
5.1. You must:
(a) without limiting the remainder of this clause, comply with any authorisation
procedures of which we advise you, including those relating to electronic commerce
transactions and MOTO transactions; and
(b) obtain authorisation from us prior to the relevant transaction:
(i) where the value of the transaction is over your applicable fl oor limit; or
(ii) if the transaction is an instalment payment for goods or services; or
(iii) as instructed by us through the equipment or otherwise; and
(c) for a manual transaction, record on a single voucher all items purchased in a single
transaction or obtain a separate authorisation on the transaction date for each
separate voucher the value of which is above the fl oor limit; and
(d) for a point of sale transaction, obtain prior authorisation for any transaction on the
transaction date where:
(i) you would process the transaction using manual equipment but your manual
equipment is not working; or
(ii) you suspect that a signature is unauthorised or there is an unauthorised use or
forgery of the nominated card; or
(iii) the nominated card signature panel (if any) is blank, and
seek to retain the nominated card by reasonable, peaceful means until that
authorisation is given.