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The ability to accept credit card payments is equivalent to giving you an unsecured line of credit; therefore all applications are subject to a review of business credit history.

Once your application has been received, it takes about three days to process. Please check your application carefully as incomplete or incorrect information will result in a delay in its processing.

Once approved, your terminal will be delivered to you for installation. Applications that have been incorrectly completed may take longer to process.

Fiserv automatically settles transactions daily at 21:00 (AEST/AEDT). If you request for an earlier settlement cutover time (allowed settlement cutover time is between 03:00 AEST/AEDT and 21:00 AEST/AEDT), an Automatic Settlement will occur at the nominated time.

When you call our helpdesk, you may be asked a variety of questions so we can verify your identity. You will have to provide us with your merchant ID, terminal ID, business name and contact name. Additional questions may include specifics about:

• Transaction values
• Time of a specific transaction
• Transaction type for a specific transaction
• Settlement details
• Funded amount into account

These questions can be answered by looking at your terminal receipts, settlement dockets, bank statements or (RAM) online reporting application. Our friendly helpdesk staff will guide you through the process.

Kindly contact our terminal support team on 1800 243 444 for further assistance.

If approved by Fiserv, your EFTPOS terminal can be configured for electronic fallback mode.

The EFTPOS terminal will enter electronic fallback mode if there is a problem transmitting the transaction to the card issuer. This could be due to a communications error or due to the issuer being unavailable. These transactions are known as electronic fallback (EFB) transactions.

All EFB transactions require signature confirmation and will be approved with a response code of “08 Approved with signature”.

Things to know:

• XAC terminals must be left powered on and in the case of mobile devices, left on to charge
• Offline transactions will be submitted automatically once the terminal is back online 
• If you have a Move5000 terminal, it is possible to force submission of transactions by selecting "ADMIN >> REPEATS" on the terminal

Please reference your terminal user manual located on our Agreement & Guides page.

Processed transactions can be retrieved by logging into the merchant portal: Remote Access Module (RAM). 

A transaction listing can be searched by using the following requirements:

• Card number
• ARN
• Transaction type
• Acquirer BIN
• Authorisation code (The authorisation code must be used in conjunction with the card number and/or ARN)
• Date range

For further information on retrieving your transactions, please follow your RAM user guide to help you with step-by-step guided instructions.

The online portal (Remote Access Module (RAM), will assist to look up and reconcile the Processed Batches against the paid settlement amount.

It is possible to download the Processed Transactions page into a CSV format by selecting the ‘download’ icon, which is located to the right of the search button.

The Processed Transactions page shows all processed transactions within the merchant group or only for a particular merchant ID, but does not provide the terminal ID.

A settlement should only be performed once a day within the settlement windows available.

If multiple settlements are performed within the day, the first settlement amount will be processed and paid the following day and any additional settlements performed will be bundled and paid the following day.

There are 3 ways you can perform on a daily settlement. Select the most suitable option that best suits your business.

If a discrepancy is identified, do an initial check of what could be causing the settlement discrepancy between the amount on a receipt and the deposited amount into the nominated account.

Note: If none of the listed discrepancy causes have been identified as a possible reason or you have recently installed a new/additional terminal, please contact the helpdesk on 1800 243 444 to help further troubleshoot the settlement funding delays or discrepancies to your nominated account.

Kindly contact our helpdesk on 1800 243 444 for further assistance.

Kindly contact our helpdesk on 1800 243 444 for further assistance.

Kindly contact our helpdesk on 1800 243 444 for further assistance. When you call our helpdesk, you may be asked a variety of questions so we can verify your identity. Please be ready to provide us with:

• Merchant Number
• Trading Name
• Contact Name
• Contact Number
• Email Address
• Bank Account number we fund settlements to
• Last amount paid to your account 
• Confirm a settlement amount from a specific date

Kindly contact our VPOS support team on 1800 625 171 for further assistance.

Kindly contact our Helpdesk on 1800 243 444 for further assistance. When you call our helpdesk, you may be asked a variety of questions so we can verify your identity. Please be ready to provide us with:

• Merchant Number
• Trading Name
• Contact Name
• Contact Number
• Email Address
• Bank Account number we fund settlements to
• Last amount paid to your account by Fiserv
• Confirm a settlement amount from a specific date

Please note: RAM passwords are reset every 30 days for security reasons.

Kindly follow the instructions on the letter. If you have further queries regarding this letter, please contact our helpdesk on 1800 243 444 for further assistance. Please note: the following information will be required when contacting our helpdesk:

• ARN/Our reference number (from letter)
• Amount of Chargeback/Request
• Card number (first 6 digits xxxx last 3 digits)
• Date letter was sent and date of transaction

Kindly contact our helpdesk on 1800 243 444 for further assistance.

There is an increased risk of fraud with accepting cards and this is more prevalent with Card Not Present transactions (transactions where the cardholder is not at your business with their card) as you cannot verify that the person using the card is the owner of the card.

Unfortunately, chargebacks are part of accepting cards and they cannot be avoided completely, but you can ensure that your card acceptance procedures minimise any risk to your business.

If you are ever suspicious of a transaction, you can perform some additional verification steps to help verify that the person giving you the card number is the real cardholder. An authorisation only confirms that funds are available at the time of the transaction and that the card has not been reported lost or stolen. It does not guarantee that the person quoting the card number is the owner of the card or is entitled to use the card.

• Obtain the full card details including the CCV.
• Verify the delivery address on White Pages online.
• Try contacting the telephone number provided to confirm the order.
• Be mindful of unusual large orders especially if the order is to be shipped overseas.
• Set up internal sale controls to limit the number or payments and value of transactions allowed each day/week by the same customer.
• Be cautious of customers who wish to pay with multiple cards.
• Always use your own courier if you are sending out items.
• Always perform a refund to the same card in which the transaction was originally charged.

If a sales opportunity is too good to be true, it potentially could be. For more information, please visit our Agreement & Guides page. If you have any doubts, you can always contact our helpdesk on 1800 243 444 for further assistance.

The bank files a chargeback and provides a chargeback reason code - a 2-to-4-digit alphanumeric code meant to identify the reason for the dispute. Reasons for chargebacks usually fall under one of these three categories: true fraud, friendly fraud, and merchant error.

You, the merchant, can either accept the dispute, or use the reason code to build a case supported by evidence as to why the original transaction was valid. To view the chargeback reason codes, click here.