Australian merchant activation guide

Each of the banks has 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
Bank of Queensland
Bank of South Australia
Bank West
Citibank Australia
Commonwealth Bank
National Australia Bank
Westpac Australia
St George Bank
American Express
Diners Club

1 ANZ Australia Merchants – Request for a Merchant ID (7 digits) to be set up for use with DPS. Merchants must also provide DPS with their "card acceptor name", "card acceptor location" and "merchant category code" (this is a 4 digit code)

DPS may also be able to assist with the Secure Internet Site Declaration (SSID) form that you need to complete.

2 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 ‘Macro merchant facility’ connected through Direct Payment Solutions (DPS).

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 1 300 363 614 option 3 to confirm if/when your terminal ID is operational.

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.

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.

Terminology

Requirement	Definition
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 authorization.

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 (ecommerce) transactions. Please speak with your banking representative about this.

3D Secure Authentication

Currently, all users of DPS hosted solutions (Hosted Payments Package) 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 enroll with your bank. At present, only Westpac Australia is able to process enrollments 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 (more information on this checklist is listed in the following section).

> More information on 3D secure

Preauthorization / Completion

Preauthorization / 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, preauthorization / 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.

At Present, Commonwealth bank do not support this feature. Merchants acquiring via other banks have this option enabled by default.

Acquirer contacts

The contact numbers listed below are to be used as a guide to contacting the merchant services departments of each of the banks’ Direct Payment Solutions 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
Bank of Queensland	1800 068 427
Bank West (BWAMS)	1800 655 204
Commonwealth Bank	1 800 730 554 or 1 800 230 177
Diners	1 300 360 060 or +61 3 9805 4410
St George	133 800
JCB	1 800 252 157 or +61 2 924 79100
National Australia Bank	1 300 369 852
Westpac	1 800 029 749
Citibank	+61 2 8225 1000 or +61 38643 9700