FAQs

Find the answer to your frequently asked question

• How does St.George determine the fees that are charged and why do they vary between businesses?

  The fees charged by us are based on the cost of providing the service to you. As these costs depend on a number of factors including the volume and value of transactions, the charges will depend on your specific business. By understanding your business we can ensure the fees we charge are appropriate to your business and most importantly, cost effective to you.
• As a start up business, are there any extra requirements or restrictions to getting a merchant facility?

  No, we will provide payment solutions to all businesses that meet our application approval criteria. We understand that establishing a business can be difficult and have specialised staff available to help you select the most appropriate payment solution to meet your needs.
• What are my options when selecting a payment solution for my business?

  We provide a range of payment solutions to help take payments in-store, online or on-the-go.
• What cards will I be able to accept with a payment solution?

  Our payment solutions can accept all major card types including eftpos, Visa^®, Mastercard^®, UnionPay*, American Express^®# and JCB plus Apple Pay, Google Pay ™ and Samsung Pay.
• What will I need to provide when applying for a merchant facility?

  You will need several things including:

  1. A registered business name – registered with the Department of Fair Trading or the Australian Securities and Investment Commission (ASIC).
  2. A business or transactional bank account in the name of your registered business.
  3. Identification.

  Additional information may be required by us to ensure we fully understand your business requirements.
• How do I apply for a merchant facility?

  Simply call our dedicated Payment Solutions Specialists on 1300 650 977, 8am-6pm (Sydney time), Monday-Friday.
• How long does it take for my application to be processed?

  A standard application takes up to 5 business days once you have submitted all required information. Confirmation of the facility is provided after we have reviewed your application. All applications are subject to our approval criteria.
• Do I need to have an account?

  For the majority of merchants, a bank account with St.George is not required. However if you have a St.George account you will receive the additional benefit of receiving your funds seven days a week, typically with same day settlement¹ – allowing you to access your funds faster!
• What is ‘Same day settlement’?

  Same day settlement is a great benefit to you when you combine your St.George merchant payment solution with a St.George bank account. All transactions processed through your payment solution will be credited to your St.George account the same day (when you settle your terminal before 9:30pm, Sydney time). This will allow you to access your funds faster and help you improve your cash flow.
• Can I choose when my facility settles for the day?

  Yes, we realise that your business may operate different hours and we ensure that you have the flexibility to choose when your facility will settle. The facility can only settle once within a 24-hour period.
• What is a chargeback?

  A chargeback is a dispute of a card transaction made by the cardholder. St.George will receive the request and work with you to address the chargeback. Chargebacks generally occur due to fraudulent activity on the card, customer disputes, duplicate transactions, merchandise not received or from authorisation issues. The associated merchants’ bank account may be debited as outlined by the Card Scheme Rules if the merchant is not able to satisfy the query.
• Am I liable for chargebacks?

  As a merchant, you are liable for chargebacks. To help minimise your risk, it is important that you make yourself familiar with our guide to chargebacks.
• Can my payment solution integrate with my accounting packages?

  Yes, our payment solutions allow you to fully integrate your payment solution with your accounting software via point-of-sale software ensuring you benefit from having all your business in one place and help to reduce manual keying errors. Call our dedicated Payment Solutions Specialists on 1300 650 977, 8am-6pm (Sydney time), Monday-Friday to find out more.
• I do not have a fixed location. Do you have a payment solution for me?

  Yes, we have a great mobile device that allows you to travel to your customers, reducing your need to carry cash or issue invoices. Call our dedicated Payment Solutions Specialists on 1300 650 977, 8am-6pm (Sydney time), Monday-Friday to find out more.
• What is PCI-DSS?

  PCI-DSS is an abbreviation for Payment Card Industry Data Security Standards which was developed by American Express, Discover, JCB International, Mastercard and Visa to assist merchants to mitigate data compromises. Organisations processing, storing and/or transmitting card details must be PCI-DSS compliant. Compliance is achieved by undertaking two tasks dependant on your transaction volumes. These tasks could include an annual on-site audit, a quarterly vulnerability scan or a self-assessment questionnaire.