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Payment and Merchant Services

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SERVICE ONE Alliance Bank payment and merchant services are provided by Bendigo and Adelaide Bank and give businesses multiple methods of processing purchases. These run through from face-to-face point of sale (POS) options and other non face-to-face methods of transacting.

Face-to-face trading

All point-of-sale terminals come with full installation and equipment training, user guides and free support stationery.

In addition to this 24/7 help support is available for merchants through Bendigo Bank's merchant services team on 1300 132 741, as well as a manual card imprinter as a ‘Fallback’ facility in the event of technical difficulties.

  EFTPOS

Have the ability to accept all credit card types through magnetic strip, chip and contactless methods. This includes all major debit cards issued in Australia including debit and credit cards issued by MasterCard and Visa. Options are also available to accept charge cards issues by American Express, Diners and JCB.

Advantages

Convenience Increase sales opportunities by having alternate payment options
Fast credit of funds Settlement into nominated account within two business days
Saves time No need to deposit manual card sales vouchers or phoning for authorisations on large transactions
Reduces risk Reduce the amount of cash held on premises

Requirements

  • standard phone line
  • power source
  Mobile EFTPOS (GoPos)

GoPos gives the advantages of a countertop EFTPOS terminal, but with the addition of mobility. GoPos can accept all credit card types through magnetic strip, chip and contactless methods. This includes all major debit cards issued in Australia including debit and credit cards issued by MasterCard and Visa. Options are also available to accept charge cards issues by American Express, Diners and JCB.

Advantages

Fully portable Runs a rechargeable battery, and operates through either the Telstra or Optus GPRS network 
Fast credit of funds Settlement into nominated account within two business days
Convenience Increase sales opportunities by having alternate payment options
Saves time No need to deposit manual card sales vouchers or phoning for authorisations on large transactions
Reduces risk

Reduce the amount of cash held

Requirements

  • Access to either the Telstra or Optus GPRS network
  GoPos Lite

GoPos Lite gives added freedom to taking card payments on the go.

Advantages

Fully portable Works through a Smartphone or tablet via Bluetooth, connects through 3G, 4G or wifi, the ability to send customer receipts via email or sms and is lightweight and pocket sized
Fast credit of funds Settlement into nominated account within two business days
Convenience Increase sales opportunities by having alternate payment options
Saves time No need to deposit manual card sales vouchers or phoning for authorisations on large transactions
Reduces risk Reduce the amount of cash held

Requirements

  • Tablet or Smartphone
  • Downloading of payment app
  • Access to either 3G, 4G or wifi

Note: Contactless payments are currently not supported by GoPos Lite.

  Integrated EFTPOS merchant facility

An integrated EFTPOS facility allows POS software to be integrated with an EFTPOS terminal. This integrated EFTPOS solution communicates via IP/ADSL and gives businesses and customers the convenience of one step payments.

There are two configuration options for this:

  • Full integration: this uses the POS systems printer and communications channel as well as transaction messaging to and from the POS system
  • Interfaced integration: this uses its own EFTPOS printer and EFTPOS communications inlet and will only send the transaction value to and from the POS system

An integrated merchant facility has the ability to accept all credit card types through magnetic strip, chip and contactless methods. This includes all major debit cards issued in Australia including debit and credit cards issued by MasterCard and Visa. Options are also available to accept charge cards issues by American Express, Diners and JCB.

Advantages

Compatibility PC EFTPOS software is used to integrate into the POS cash register - PC EFTPOS is compatible with over 500 POS software systems
Business improvements Eliminate operator errors and improve speed of service
Fast credit of funds

Settlement into nominated account within two business days

Non face-to-face trading

The SERVICE ONE Alliance Bank payment and merchant services also offers solutions to businesses that also transact with customers through non face-to-face means. This can include transacting online, by mail, telephone, fax or secure email.

  Website Payment Gateway

This allows customers to securely process their own credit card payments when shopping through a businesses website.

Advantages

Compatibility with a wide
rage of cards
Display the MasterCard or Visa logo with the ability to accept American Express, Diners and JCB upon request
Integration assistance Provision of qualified technical assistance and ongoing support
Additional protection against
fraud
Automatic enrolment in Verified by Visa and MasterCard SecureCodeTM - these products offer protection against unauthorised transactions and shift the liability of the transaction to the issuing bank
Note: This only covers cardholder-generated transactions
Fast credit of funds Settlement into nominated account within two business days
Administration access to payments Ability to view all transactions processed as they occur and to process administrative functions such as voids and refunds
The website payment gateway is a MasterCard server hosted service

This ensures that no cardholder information is entered into a businesses website

Website requirements

  • The trading name and URL must not have any substantial differences in wording.
  • A clear description of the goods and services offered for sale
  • Contact information: Trading name, ABN, address and telephone number
  • Clear details of shipping practices and delivery policy/time frame
  • Transaction currency must be in AUD amounts
  • Total cost of goods and services purchased, inclusive of all shipping charges
  • Card scheme brand marks are displayed wherever payment options are presented
  • Export restrictions - countries to which merchant does not ship
  • A clear refund/return policy
  • Consumer data policy - what is done with customer information collected
  • Security capabilities and policy for transmission of payment card details 
  Online mail order/telephone order (MOTO) merchant facility

This provides a facility in which businesses can process transactions. This is done through the online MOTO facility by entering customer details to process purchase orders. This facility enables businesses to also authorise these transactions as well as the viewing of transaction records and the processing of administrative functions such as voids and refunds.

The online MOTO facility also includes the ability to process all major debit and credit cards issued in Australia including cards issued by MasterCard and Visa. Options are also available to accept charge cards issues by American Express, Diners and JCB.

Advantages

Simple and easy to get started Requires minimal staff training
Customer convenience Increase sales opportunities by having alternate payment options
Fast credit of funds Settlement into nominated account within two business days
Saves time Eliminates having to deposit manual card sales vouchers or phoning for large transaction authorisations
Reduction in fraud The authorisation process automatically checks every card for available funds and if the card is reported lost/stolen
Training and ongoing support Provided free of charge

Note: Multiple staff can be authorised as users at no extra charge.
Requirements

  • Secure computer with Internet access
  Batch processing

The Batch Processing Merchant Facility is a simple and efficient payment solution for businesses that have a large volume of transactions. Multiple transactions that are recurring, instalment or periodic can be submitted in a single file using our online payment gateway. Typically, this solution suits businesses that accept memberships (such as gyms), magazine subscriptions or donations.
This will also give access to the viewing of transaction records and processing of administrative functions such as voids and refunds. In addition to this businesses will have the ability to process a large number of transactions in a single batch and have access to immediate online authorisation of transactions.

Batch processing is also compatible with all major debit and credit cards issued in Australia including those issued by MasterCard and Visa. Options are also available to accept charge cards issues by American Express, Diners and JCB.

Advantages

Simple implementation Easy to use and minimum effort to implement
Saves time Reduced processing time and administrative hassle
Fast credit of funds Settlement into nominated account within two business days
Reduced risk Reduced bad debt rate with a better and more predictable cash flow
Technical assistance and support

Qualified technical assistance to set up and test software as well as ongoing specialist support

Payment and Merchant Services branded SERVICE ONE Alliance Bank are products and services of Bendigo and Adelaide Bank.

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