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Merchant guides and brochures

The following documents provide information that assists you with the operation of your merchant facility. These can be printed for your reference.

Terms And Conditions

Notice to BankSA Merchant Customers

Effective 1 April 2019.

There are changes to the EFTPOS Merchant Agreement Terms and Conditions (“Terms and Conditions”) and the Your Guide to Merchant Fees and Charges (“Fees and Charges Brochure”).

The changes to the Terms and Conditions are:



2.0 – Definitions and Interpretation

"Credit Card Merchant Service Fee" means when your customers use a Mastercard or Visa credit card to make a payment we charge, based on volume and rate per card type, a combined Credit Card Merchant Service Fee. Mastercard and Visa are charged as a % of either the net or gross dollar value processed.

2.0 – Definitions and Interpretation

"DGR Status" means a deductible gift recipient status as endorsed by and listed with the Australian Taxation Office.

2.0 – Definitions and Interpretation

"End Amount" means the value at which each Transaction that is routed through the merchant choice routing feature is capped at. As most daily limits are capped at $1,000, the End Amount is capped at $1,000 at the date of these Terms and Conditions, unless otherwise stated.

2.0 – Definitions and Interpretation

"ePAL Network" refers to eftpos Payments Australia Limited which manages the domestic eftpos network through which merchant transactions can be routed.              

2.0 – Definitions and Interpretation

"Multi Network Debit Card" means a Debit Card that displays:

  • Both the Visa and eftpos brands; or
  • Both the Mastercard and eftpos brands.

Clause 4.10

If required by law, we will forward to you monthly statements. This may be in electronic format.

Clause 4.24

You must provide a Cardholder with a receipt for a Transaction at the completion of a Transaction, except where you have offered the Cardholder a receipt and they have declined to receive it or the Cardholder has elected to receive the receipt by email or other electronic means.

Clause 5.0

5.1       This clause 5 only applies to EFTPOS terminals which offer a Merchant Choice Routing feature.

5.2       The Merchant Choice Routing feature enables an EFTPOS terminal to route contactless Transactions using Multi Network Debit Cards issued in Australia through the ePAL Network.

5.3       Different fees apply to transactions depending on how they are processed (routed):

a) Transactions routed through the ePAL Network are assessed against the Debit Card Transaction Fee;

b) Transactions routed through Visa and Mastercard are assessed against the Credit Card Merchant Service Fee; and

c) Further, you acknowledge that we cannot provide any financial advice on the benefits of the Merchant Choice Routing feature and recommend that you seek independent financial advice, where necessary.

5.4       To activate, or deactivate Merchant Choice Routing, contact your Relationship Manager or our Merchant Helpdesk.

5.5       We reserve our rights to activate or deactivate the Merchant Choice Routing feature in its entirety, with no liability to you.

5.6       Merchant Choice Routing Transactions are capped at the End Amount.

5.7       For the avoidance of doubt, BankSA does not at any time guarantee that routing Transactions through the Merchant Choice Routing feature will result in merchant fee cost savings.


We may terminate the Agreement on the grounds that you have not processed Transactions through your Merchant Facility for a period of three (3) months.


You must notify us within 14 days of any changes in your company, trading name, address and/or DGR Status. You can do this by writing to us at the address in this booklet or by transmitting by facsimile to the number in this booklet. You must continue to notify us of any changes for a period of 12 months after the Agreement is terminated for any reason. We will not be responsible for any errors or losses where we have not received adequate prior notice. (Your obligation to notify a changed email address is under clause 20.3.)

The change to the Fees and Charges Brochure is:



Equipment Not Returned/Damaged

Is payable when merchant terminals are not returned to BankSA or where during the course of normal business they are damaged due to your negligence or misuse. 

Standalone Terminals

Hypercom Fixed Line Terminal - 'EFTPOS Classic'

Hypercom Countertop GPRS Terminal - 'EFTPOS Classic'

Hypercom Mobile Terminal - 'EFTPOS Classic'

Hypercom Contactless

Ingenico i5100 Dial-up EFTPOS Terminal

Ingenico i7910 Mobile EFTPOS Terminal

EFTPOS 1 Terminal

Integrated Terminals:

PC-EFTPOS i3070 Terminal

PC-EFTPOS i5100 Terminal

PC-EFTPOS Contactless

EFTPOS 1i Terminal