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EFTPOS terminal - Westpac - Business

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					Countertop wireless EFTPOS terminals                                                                                                                    Page 1 / 7




                                                                                    PHONE 1800 029 749                       Get a quote.


Essentials
No phone line required; just a power connection to your terminal
   High speed GPRS wireless communication
     Accept and process all card types including chip and smart cards
     Supports simple interfaces, eg. MYOB and Quicken
     Accept phone and mail order payments1
     Collect card payments at your premises quickly and easily
     Fast transaction processing for better customer service
     Industry standard technology to help protect you and your customers from fraud
     24/7 assistance from our helpdesk on 1800 029 749 - subject to availability.

Things you should know
1. Applications for merchant facilities are subject to approval.




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST
Countertop wireless EFTPOS terminals                                                                                                                    Page 2 / 7




Features
We'll install your terminal(s) and provide full training for you and your staff1.

   EFTPOS Countertop wireless terminal features

     Feature

     Purchases


     Cash out


     Refunds


     Reporting including tipping, pre-authorisation and shift
     reporting

     Additional user, shift & tip reports


     Immediate approve or decline response2


     Transfer cleared transactions automatically into your
     nominated business account

     Connection to PSTN (analogue) phone line


     Add your company logo to your EFTPOS screen and
     receipts

     Add a surcharge to credit or charge card purchase
     ransactions

Security features to protect you and your customers
   The latest regulatory approved security technology to help protect you and your customers from fraud
     Meets industry and card scheme standards to protect your customers’ card and PIN details
     Provides password driven functions, so you can manage who processes different transaction types.

Things you should know
1. Remote locations will be sent a post pack and receive training over the phone
2. Subject to system availability and maintenance.




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST
Countertop wireless EFTPOS terminals                                                                                                                    Page 3 / 7




Fees
Every business is different and because what you offer, where you offer it, how many you sell and how much you sell
them for differs from one business to the next, it's best to contact us for a detailed quote where we can work out what
product is best for your business and the fees that will apply.

Here are definitions of fees and charges. Not all fees and charges may apply to your business.

   Fees and charges explained

     Fee name                                                                      Description

     Establishment fee                                                             One-off fee charged when you first become one of our
                                                                                   merchants. It covers the cost of setting you up on our
                                                                                   system and providing your starter kit containing:

                                                                                           Decals and product user guides
                                                                                           Terms and Conditions brochure
                                                                                           Merchant operating guide.


     Additional outlet establishment fee                                           Should you require an additional electronic card acceptance
                                                                                   facility which will have a separate merchant number and
                                                                                   merchant statement, then you will need to apply for an
                                                                                   additional merchant outlet.

     Monthly participation fee                                                     Covers the cost of providing an imprinter and vouchers
                                                                                   or, for online merchants, the cost of managing
                                                                                   software and servicing


     Merchant service fee                                                          Charged according to:

                                                                                           Transaction volumes (number of sales and
                                                                                           returns)
                                                                                           The average $ value of each sale
                                                                                           Domestic or international payments
                                                                                           Card present and card not present transactions
                                                                                           The product being used to process transactions,
                                                                                           e.g. Click-clack, EFTPOS etc.


     Minimum service fee                                                           Charged if your calcualted merchant service fee falls below
                                                                                   the minimum monthly fee. It covers the overall cost of
                                                                                   maintaining our services including merchant statements and
                                                                                   other support costs.




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST
Countertop wireless EFTPOS terminals                                                                                                                    Page 4 / 7




     Fee name                                                                      Description

     Interchange fees                                                              Fees we pay to the card issuer (bank or other financial
                                                                                   institution) that supplied the card to your customer
                                                                                   which vary depending on:

                                                                                           The brand of the card, e.g. MasterCard®
                                                                                           Where the card was issued, e.g. Australia or
                                                                                           overseas
                                                                                           How the transaction was processed, e.g. card
                                                                                           present or card not present
                                                                                           Card product type, e.g. premium card, business
                                                                                           card.


     Debit (EFTPOS)                                                                Amount we charge for accepting debit transactions. It
     card fee
                                                                                   covers the cost of:

                                                                                           Seeking authorisation from the cardholder's bank
                                                                                           or other financial institution via the EFTPOS
                                                                                           system when the card is swiped
                                                                                           Collecting funds from the cardholder's financial
                                                                                           institution and crediting them to your account.


     Credit card transaction fee                                                   When your customers use a credit card to make a payment,
                                                                                   we may charge a credit card transaction fee.

     Terminal access fee (variable)                                                Covers the cost of providing and maintaining the terminal:
                                                                                   applies when you process transactions electronically. Varies
                                                                                   according to the type of terminal used.

     Authorisation fees                                                                    When an 'operator' is required to facilitate an
                                                                                           approval, or
                                                                                           The merchant selects an automated process.
                                                                                   Applies to all authorisations, including those where the
                                                                                   transaction has been declined.

     Chargeback fee                                                                Partially covers the cost to banks of resolving a chargeback
                                                                                   (disputed transaction).

     Excessive chargeback fee                                                      We reserve the right to apply this fee (in addition
                                                                                   to the Chargeback fee) where we deem excessive
                                                                                   chargebacks have been incurred over a given period
                                                                                   of time.

                                                                                   You'll be notified 1 month in advance if the fee is to be
                                                                                   charged.




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST
Countertop wireless EFTPOS terminals                                                                                                                    Page 5 / 7




     Fee name                                                                      Description

     Cancellation fee                                                              Covers the administration cost of closing your
                                                                                   merchant outlet(s) and equipment recovery.
                                                                                   It will be for an agreed amount and is set out in your Letter
                                                                                   of offer. Where the agreement is for a fixed period, the
                                                                                   cancellation fee will be higher where the facility is cancelled
                                                                                   prior to the agreed expiry date of the contract term.

     Equipment not returned or damaged charge                                      A charge could apply for EFTPOS facilities that may
                                                                                   increase for Mobile EFTPOS facilities when:

                                                                                           Merchant facilities are closed and equipment
                                                                                           such as terminals are not returned to us
                                                                                           They are damaged due to your negligence or
                                                                                           misuse during the course of normal business.
                                                                                   Please note that the terminals supplied to you remain the
                                                                                   property of the relevant terminal supplier.

     Temporary EFTPOS facility fees                                                An additional monthly terminal access fee payable
                                                                                   when you require a temporary terminal.
                                                                                   Where we approve a temporary facility, the period of time
                                                                                   will be agreed to in writing at the commencement of the
                                                                                   agreement.

     GST                                                                           Some charges include a goods and services tax (GST). For
                                                                                   more information, contact the Australian Taxation Office on
                                                                                   132 866.




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST
Countertop wireless EFTPOS terminals                                                                                                                    Page 6 / 7




Support
Quick reference guide
EFTPOS Professional T4230 Countertop GPRS (RTF 123kb)

Call the helpdesk anytime on 1800 029 749 (subject to availability) to:
    Enquire about transactions
     Resolve any technical problems
     Upgrade your terminal
     Apply for an additional terminal
     Reset your password
     Request a merchant statement
     Review or query merchant fees.

Installation and personal training
     Face to face technical installation1
     Face to face personal training in cities and major regional centres1
     Remote updating of functionality and software reduces disruptions to your business.

Fast terminal replacement
     EFTPOS terminal replacement available 7 days a week covering extended business hours1
     Same day service for cities and major regional centres (subject to availability)
     Service is available outside business hours on request (subject to availability).

Things you should know
1. Remote locations will be sent a post pack and receive training over the phone.
2. Only available during business hours.




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST
Countertop wireless EFTPOS terminals                                                                                                                    Page 7 / 7




Links
     https://forms.westpac.com.au/forms/forms.nsf/merchAppl?OpenForm&referrer=http%3A%2F
     %2Fwww.westpac.com.au%2Fbusiness-banking%2Fmerchant-accounts%2Feftpos%2Fwireless-terminals%2F
     contact us for a detailed quote
     https://forms.westpac.com.au/forms/forms.nsf/merchAppl?OpenForm&referrer=http%3A%2F
     %2Fwww.westpac.com.au%2Fbusiness-banking%2Fmerchant-accounts%2Feftpos%2Fwireless-terminals
     %2Ffees%2F%3Fview%3DStandard
     EFTPOS Professional T4230 Countertop GPRS (RTF 123kb)
     http://www.westpac.com.au/docs/rtf/business/user-guide-eftpos-t4230




http://www.westpac.com.au/business-banking/merchant-accounts/eftpos/wireless-terminals/

This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141
AFS Licence No. 233714. Conditions and fees apply.

                                                                                                                                              21:05:00 08/07/2011 EST

				
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