Merchant guides and brochures

• Broadened the definition of “Business Day” to include any day when St.George is open for business in any State or Territory of Australia. 
• Replaced reference to “First Data resources Australia Limited” with “Fiserv Australia Pty Limited”.
• Amended the definition of “Floor Limit” to clarify that it may apply in circumstances where your terminal cannot connect to the bank, such as in Electronic Fall Back mode. We reserve the right to periodically review and revise your authorised Floor Limit to align with the Rules, regulations, and risk-based decisions. This change may not be communicated as your EFTPOS terminal will prompt the operator to take appropriate action when you exceed your Floor Limit in Electronic Fall Back mode. Refer to our outage guides stgeorge.com.au/merchantsupport for more information on how to keep your business trading during a service interruption.
• Introduced the following new definitions:
  • “Electronic Fall Back (EFB)” which, when enabled, is a capability that allows the EFTPOS terminal to continue to process transactions during a system outage or downtime. To minimise the impact of major service disruptions, the terminal will automatically switch to EFB. Any transactions processed as EFB are stored offline by the terminal, and once service has been restored, the terminal will forward the transactions to the bank for processing. EFB is only available when enabled on the terminal and for certain card and transaction types. Refer to our outage guides on the Merchant Support Centre for more information on keeping your business trading during a Service interruption.
  • "Merchant Category Code (MCC)” is a four-digit number that is used to classify Merchants and businesses by the type of goods or services they provide. 
  • "Merchant Choice Routing (MCR)" directs contactless Multi-Network Debit Card transactions through the eftpos Network which may attract lower merchant service fees.
  • “Merchant Helpdesk” is a 24/7 telephone support service that can help you with technical support, account servicing queries, and making changes to or closing your existing facility.

Amended to include: 

• St.George’s Website requirements; and
• list of Card Scheme logos (Mastercard, Visa, American Express, JCB, Diners and UnionPay).

Removed information from Merchant Operating Guide (applicable to Westpac merchants only) and moved into these Terms and Conditions for all Merchants.  

• at any time and for any reason, by giving you 30 days’ written notice
• and we do not have to give you verbal or written notice before we terminate for the reasons listed in (a) to (k) below. However, we will use reasonable endeavours to give you prompt subsequent written confirmation that the Agreement or Merchant Facility has been terminated.

a) a Merchant Facility does not comply with the Rules resulting in a material breach of the Rules;

b) we reasonably consider your ratio of Chargebacks to sales, whether by number or dollar value of Chargebacks, to be substantially unusual or excessive;

c) you have substantially changed your line of business, or the types of goods or services that you supply to your customers or clients – without first notifying us and receiving consent;

d) we have reasonable grounds for concerns about your solvency, or the solvency of your business;

e) we have reasonable grounds for concerns about your ability to meet or repay the amounts of any Chargebacks that have been received, or that are likely to be received, in the future conduct of your business;

f) you have a significant adverse credit event recorded against you, such as (but not limited to) when your credit rating is materially impacted due to registering a default, going into external administration, or facing court actions likely to have material adverse effects on your business.

g) we have reasonable grounds to suspect that you have fraudulently processed Transactions, or have knowingly allowed fraudulent Transactions to be processed through your Merchant Facility;

h) you or any of your Services Providers are not compliant with the PCIDSS or (to the extent applicable), PCI PADSS resulting in a material breach of the PCIDSS or (to the extent applicable), PCI PADSS;

i) you or any Service Provider that you use has suffered an ADC which we reasonably consider to be significant;

j) you have, or we suspect on reasonable grounds that you have, breached a material term of the Agreement;

k) if the merchant is a corporate entity, the company has been deregistered, or we suspect on reasonable grounds that the company is in the process of being deregistered.