Merchant Agreement

Here are all the terms and conditions that will form part of your Merchant Agreement with us and may help you as a new St.George Merchant customer.

Merchant Agreement document

Notice to St.George Merchant Customers

Effective 09 December 2024, changes will be made to the documents which form part of your Agreement with us. A summary of these changes is listed below.

EFTPOS Merchant Agreement Terms and Conditions

 

Section What has changed

Entire Brochure
  • Removed references to ‘Diners’, as Diners Club International has closed all business in Australia.
Section 2 Definitions and interpretation 
  • Introduced new definitions for “PayPal Customer” and “PayPal Payment”.

Section 15 eCommerce Merchants

(Westpac Payment Gateway)
  • Inserted new sub-section “PayPal Payments”, outlining the requirements for PayPal Payments for eCommerce Merchants who have a St.George Payment Gateway and an eCommerce Service.
  • Under the sub-section “API and SDK”, inserted a new sub-paragraph d) outlining your responsibilities for the use of any tool we provide to assist you to set up your website and access the Documentation.
Section 21 Variations and Notices
  • Amended the Type of Change “Any other term or condition (including a variation of fees and charges)” by removing the “including a variation of fees and charges”. 
  • The “including a variation of fees and charges” has been moved and incorporated into the Type of Change for “New fee or charge”.
Section 28 Privacy Law and Use of Information
  • Amended sub-paragraph d) to include Quest as a service provider related to your Merchant Facility.

Your guide to merchant fees and charges

 

Section What has changed
Fee Summary Table 
  • Removed the “Annual Participation Fee” and “Monthly Administration Fee” as these fees are no longer charged.
  • Removed EFTPOS Now $6 per USB cable fee from EFTPOS Terminal Stand and Accessories.
  • Removed “Simple Pricing Plan” and “Additional and ongoing fees for Simple Pricing Plan” schedules, as these Pricing Plans are no longer available.
Our fees explained
  • Removed the explanation of “Annual Participation Fee”, “Monthly Administration Fee” and “Plan Fee” as these fees are no longer charged.
Back Cover
  • Removed references to ‘Diners’, as Diners Club International has closed all business in Australia.
  • Amended to state that if you want to accept JCB payments, you'll need to enter into a separate agreement with JCB. 

A summary of the change effective 28 February 2025 is listed below.

EFTPOS Merchant Agreement Terms and Conditions

 

Section What has changed
Section 25 The Banking Code of Practice
  • Removing reference to asking for a hard copy of the Banking Code of Practice within a branch or over the phone.

Frequently Asked Questions

How long before settlements reach my account?

St.George Same Day Settlement allows you to access your St.George EFTPOS terminal settlements on the same day, 7 days a week including weekends and public holidays1.

How long after a transaction is processed does the cardholder have the right to dispute it?

Chargebacks can be processed to your account up to 18 months after the date of the original transaction. That’s why it’s essential to take steps to minimise fraud and chargebacks as set out in our Merchant Agreement documents.

Merchant Agreement and fees

Can I have my merchant fees reviewed?

Yes. Call our Merchant Business Solutions Helpdesk on 1300 650 977

Statements

How can I request copies of my merchant statements?

Please call us on 1300 650 977, 24/7 to request a copy of your merchant statement.

 

How do I get details for a merchant fee or request an adjustment on my merchant statement?

Call the Merchant Helpdesk on 1300 650 977 and provide the transaction reference number. 

 

Payment Solutions

Merchant Helpdesk

1300 650 977

Available 24/7

Important information

1. St.George same day settlement is not available between 9:30pm and 11:00pm - Sydney time. You can only perform a settlement once a day, before 9:30pm (Sydney time). A settlement done after 11:00pm will be processed as a settlement for the next day. Subject to system availability, settlement can take place 7 days a week. Settlement must be to an eligible St.George transaction account. Same day settlement is only available for Mastercard®, Visa® and eftpos transactions. (plus UnionPay if using EFTPOS Connect).

Mastercard® is a registered trademark of Mastercard International Incorporated.

Visa® is a registered trademark of Visa International Service Association.

UnionPay is a trademark of UnionPay International Co. Ltd.