Australian Merchant Activation Guide

Each of the banks have different requirements and standards.  Please refer to the table below to view the requirements that are specific to the bank you acquire through.

Bank Requirements

BANK / ACQUIRER MERCHANT ID TERMINAL  ID CARD ACCEPTOR NAME CARD ACCEPTOR LOCATION MERCHANT CATEGORY CODE
ANZ Australia tick_(4).png   tick_(4).png tick_(4).png tick_(4).png
Bank of South Australia * tick_(4).png tick_(4).png tick_(4).png tick_(4).png tick_(4).png
BOQ  Ɨ tick_(4).png tick_(4).png tick_(4).png tick_(4).png tick_(4).png
Bank West tick_(4).png tick_(4).png tick_(4).png tick_(4).png tick_(4).png
CitiGroup tick_(4).png tick_(4).png tick_(4).png tick_(4).png tick_(4).png
Commonwealth Bank * tick_(4).png   tick_(4).png tick_(4).png tick_(4).png
National Australia Bank * tick_(4).png tick_(4).png tick_(4).png tick_(4).png tick_(4).png
St George * tick_(4).png tick_(4).png tick_(4).png tick_(4).png tick_(4).png
Westpac Australia * tick_(4).png   tick_(4).png tick_(4).png tick_(4).png
American Express tick_(4).png tick_(4).png      
Diners Club tick_(4).png        
  


*Card-Not-Present only 

Ɨ Eftpos and some CNP products only For more information please contact info@paymentexpress.com

Commonwealth Bank Merchants
If you acquire through the Commonwealth bank, it may be helpful to make known to your banking representative that you are looking for a ‘Commweb PSP merchant facility' connected through Direct Payment Solutions (DPS).

Terminology

 

  Merchant ID

 		 This is an electronic merchant number generated by the bank specifically for your business to be able to transact online.
The ANZ Australia may also refer to this field as an ‘EPOS Number’.
  Terminal ID
 		 This is a number associated with the ‘Merchant ID’.
A merchant can have one or many Terminal ID’s.
  Card Acceptor Name
 		 This is the name that appears on the card holders’ statement.
This field must have no more than 25 characters.
  Card Acceptor Location
 		 This is the physical location of business operation.
This is usually the town or city of your business.
  Merchant Category Code
 		 Your bank will assign you with a merchant category code based on your business type




















The information listed above relates to the specifications DPS uses to configure our payment host to your merchant account, for real time credit card authorisation.

Please contact your banks’ help desk on the numbers provided below to receive this information (if you are already set up for ‘Card Not Present’ processing). Alternatively, you may need to apply for a facility to process online (e-commerce) transactions. Please speak with your banking representative about this.
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Requirements for Accepting American Express and JCB

For processing of American Express and JCB cards, DPS customers are required to obtain an American Express "merchant number" and "terminal ID" exclusively for DPS use.

  • If you are an existing American Express merchant call American Express directly on 1300 363 614 option 3 and ensure your current merchant number is exclusively in use with DPS.  If not please request an additional merchant number exclusively for DPS use.  Please also request that American Express issue a terminal ID for the Merchant number to be used in DPS processing.  The “terminal ID” provided by American Express will take 1-2 business days to be loaded by American Express.
  • If you are not currently an American Express merchant call American Express directly on 1300 363 614 option 4 and discuss becoming an American Express merchant, requesting a "merchant number" and "terminal ID" for DPS use.
  • DPS can load this merchant number as soon as you give us the terminal ID and at that stage DPS can tell you if it is active yet or not.  If the terminal ID is not active when DPS load it, you will need to follow up with American Express Directly on 1300 363 614 option 3 to confirm if / when your terminal ID is operational
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Requirements for Accepting Diners Club

To be able to process Diners, please contact Diners directly on 1 300 360 060 or +61 3 9805 4410.
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3D Secure Authentication

Currently, all users of DPS hosted solution PxPay can use a MPI (merchant plug-in) developed by DPS for 3D secure authentication at no additional cost. To enable this functionality, you will need to enrol with your bank. At present, only Westpac Australia is able to process enrolments for merchants wanting to participate in 3D secure. All new Westpac merchants will require the facility

Once you have enrolled, you (the merchant) will be provided with a ‘Visa Merchant Password’. You will need to provide this to DPS prior to activation, along with the website activation checklist
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Preauthorisation / Completion (Tipping)

Preauthorisation / completion is a two stage transactional process which involves validating a credit card in its first phase before completing the transaction. To facilitate this type of transaction, preauthorisation / completion or tipping as it is sometimes known as must be enabled at your bank.
  • If you would like this feature enabled, please advise DPS at time of activation.
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Extended Booking Info / CPC (Corporate Purchase Cards)

Extended booking info allows you to send 2nd and 3rd level transaction data to DPS which will be displayed on the card holder’s statement. At present this is only available through American Express. If you wish to have this facility please inform American Express and DPS at time of application.
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Acquirer Contact Information

The contact numbers listed below are to be used as a guide to contacting the merchant services departments of each of the acquirers that DPS has connectivity to in Australia.  If you already have a banking representative for your business, please contact them directly.
 
ACQUIRER CONTACT DETAILS
ANZ 1 300 366 988
American Express 1 300 363 614
BOQ 1 300 557 272
Bank of South Australia 1 800 804 411
Bank West 137 000
CitiGroup +61 2 8225 1000
Commonwealth Bank 1 800 657 151
Diners Club 1 300 360 060 or +61 3 9805 4410
JCB 1 800 252 157 or +61 2 9247 9100
National Australia Bank 1 300 369 852
St George 1300 800
Westpac 1 300 134 291





















WANT TO KNOW MORE
If you require any additional information on credit card processing, or if you would like to discuss specific needs for your business, please complete the form.