Merchant Login

Overview

Transaction Network Services (TNS) Internet payment gateway system provides merchants with the ability to efficiently and securely accept and process a variety of online payments from their customers, it provides connectivity over the internet between buyers, sellers and financial institutions.

By using the information outlined in this section, you can achieve an online payment solution in 9 easy steps;

Before you can begin the fulfilment and integration process or you will be required to ensure a merchant facility has been established with a financial institution or a bank. To accomplish this, you will need to apply for this facility through the bank or financial institution.

• Merchant Application
• Merchant Account
• Next steps once you have your merchant facility

Merchant Agreement with your Bank

Merchant Facility Application Form – (From your bank or financial institution)
The merchant facility establishment form is needed so that a merchant number and terminal ID can be allocated by your bank or financial institution. TNS cannot lodge this form for you.

Merchant Account with your Bank 

Your Merchant Account is made up of Merchant IDs (CAIC or Bank Merchant Number) and Terminal IDs which are allocated by the bank or financial institution with whom you have signed a merchant agreement. Merchant IDs and Terminal IDs are a crucial component of the payment gateway processing system. A Transaction Network Services facility cannot be established for live credit card processing without them.

Important Note: Not requesting a new merchant facility for online payment processing is a very common mistake made by merchants. Many merchants that are using an EFTPOS terminal or IVR often think the merchant facility they already have in place will allow them to process online transactions, unfortunately this is not the case.

It is not unusual for merchant facilities to take up to 6 weeks to be reviewed and approved and the Merchant Number and Terminal ID allocated, so it is important that this is done well before you wish to start live credit card processing.

Card Types

The TNS payment gateway solution can process all major credit cards including:

• Visa
• MasterCard
• American Express
• Diner Club
• JCB

The choice of cards you wish to process is up to you. Cards can be added to the payment gateway solution at any time (provided that merchant facilities for those cards have been established), you will need to notify your bank or financial institutions if you will be accepting Amex, Diners or JCB as they may also need to apply changes to your merchant account.

Merchant IDs and Terminal IDs

Please note that a single Merchant ID and Terminal ID allocated by the bank will allow you to process, Visa and MasterCard. To process American Express, Diners and JCB individual Merchant numbers and Terminal IDs will need to be allocated by each of these financial institutions, meaning that you will also need to apply for a merchant facility from each of these additional entities on a separate basis.

Merchant numbers and Terminal ID’s allocated by the Bank or Financial Institution should be similar to those outlined in the table below. If not please speak to your bank or Financial Institution and request that they be changed.

The allocation of an incorrect Merchant Number and Terminal ID by the bank or financial institution can place delays on your payment solution.

Please ensure that you advise your bank that you will be processing online/internet based credit card transactions and not using a EFTPOS terminal.

Terminal ID		Bank Merchant ID/CAIC
NAB	Starts with IS	NAB	8 Digits (called and EB number)
WBC	Starts with W1Q	WBC	8 Digits
CBA	8 Digits	CBA	15 Digits starts with 5353109
ANZ	7 Digits	ANZ	7 Digits
St George		St George
Merchant Category Code (MCC) - 4 Digits

Choosing the right bank or financial institution for your needs

Aside from determining which cards you would like to accept online, there are also other considerations such as currencies, transaction types and fraud prevention. The matrix below demonstrates which functions are supported by each bank or financial institution.

This grid last updated on 25th July, 2008

	CBA	ANZ	NAB	Westpac	St George	Amex	Diners	JCB
Verified by Visa	Yes	No	Yes	Yes	Yes	No	No	No
MasterCard SecureCode	Yes	No	Yes	Yes	Yes	No	No	No
Card Security Code (CVV2,CVC2)	Yes	Yes	Yes	Yes	Yes	Yes	No	No
AUD processing	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Foreign currency processing	No	NZD only	Yes	No	No	No	No	No
Pre-auth	Yes	Yes	Yes	No	Yes	Yes	No	No
Voids	Yes	No	No	No	No	No	No	No
Recurring transactions	Yes	No	Yes	No	No	No	No	No
Refunds	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

To process Visa and MasterCard, please contact the bank and ask to speak to their Merchant Sales Department. TNS currently has relationships with the following banks:

ANZ Telephone: 1300 366 988 Commonwealth Bank Telephone: 13 19 98 National Australia Bank Telephone: 13 10 12 Westpac Telephone: 1800 029 749 St.George Telephone: 133 800 American Express (Card Acceptance) Telephone: 1300 363 614(Option 0) Diners Club (Card Acceptance) Telephone: 1300 360 500 JCB International (Card Acceptance) Suncorp Telephone: 13 11 75

Each of the above sites contains a wealth of information, guidelines and merchant application criteria, which is viewable and/or downloadable for your use.

Next steps once you have your Merchant Facility

Once your application for a merchant facility has been approved by the bank or financial institution, you will receive notification of your Merchant Number and Terminal IDs via letter or email. Once this has been received, you are then able to finalise the following TNS forms:

• Safepay Merchant Establishment Form
  The Safepay Establishment form holds all the information that the TNS Merchant Operations team need to set up and establish the payment gateway solution/s for you. It includes information on your hosting organization (if applicable) and your operating environment.
  
• SafePay Service provider Agreement (Contracts)
  From TNS – where applicable, a contract should have been mailed/emailed to you

The Safepay Service provider agreement is the formal contract between the you and TNS. It sets out the terms of the agreement including all Terms and Conditions.

2 copies of the Service Provider Agreement must be executed and sent to TNS for counter signing. 1 executed copy is also returned to you.