Terminal features

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Terminals

In our guide, when we refer to a terminal we refer to the EFTPOS (Electronic Funds Transfer Point Of Sale) terminal.

Overview

Your merchant facility allows you to accept all supported credit and debit cards, whether the card is issued in Australia or overseas.

Terminals include the hardware or software used to accept card payments may have a keypad or alternatively have a touch screen where that allows cardholders to select their type of account (Cheque/Savings/Credit) and, where appropriate, enter their personal identification number (PIN) for transactions above a certain limit.

All terminals and MPOS facilities acquired by Wpay, have a current industry certification and comply with all industry and regulatory requirements.

Cards accepted

Your Wpay terminal enables transactions to be processed for cheque, savings and credit accounts. Wpay supports the following card schemes:

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A note on American Express® and JCB® cards

If you wish to accept American Express, or JCB cards, you’ll need to enter separate agreements with them

American Express® is a registered trademark of American Express Company. eftposs® is a registered trademark of eftpos Payments Australia Limited. JCB® is a registered trademark of the Japanese Credit Bureau, Visa is a registered trademark of Visa International Service Association. Mastercard® is a registered trademark of Mastercard International Incorporated. China UnionPay is a trademark of China UnionPay Co., Ltd.

Card acceptance methods

Our terminals are EMV compliant and can process transactions from the following:

• Chip cards
• Contactless cards
• Phone based digital wallets
• Wearables

Transaction types supported

Our terminals are capable of processing the following transaction types:

• Purchases
• Purchases with Cash Out for Debit Cards
• Cash Out transactions for Debit Cards
• Refunds
• Mail/Telephone Order (MOTO approved merchants only)
• Purchases with tip
• Pre-Authorisation and Completion transactions

Electronic Fall Back

Businesses rely on the connection with their acquirer for processing transactions. When that connection goes down, it can cause a significant disruption to trade. Our solution to mitigate this impact is Electronic Fall Back (EFB) which is sometimes referred to as Store-and-Forward (SAF). This capability means you can keep taking card payments with your terminals, even when your terminal is unable to connect to Wpay.

EFB and SAF offer you the convenience of being able to store up to 100 transactions offline if your terminal’s connection to the bank drops out. Once you’re reconnected, these transactions automatically get forwarded to the bank for processing. EFB and SAF functionality requires special approval and an indemnity agreement to be in place before this functionality can be enabled.

Please ensure you keep all your offline receipts as back-up. SAF is a feature that can be enabled within your terminal. This means you don’t need to do anything to enable it in your Point of Sale (POS) system. All transactions processed via SAF are charged at the normal transaction rate that was agreed when you established your merchant facility

If EFB and SAF has been enabled, this functionality will automatically activate in the event your terminal’s connection to the bank drops out.

When SAF won’t work

SAF is not available in the following scenarios:

• For contactless transactions (to protect against fraud)
• If there are other connectivity issues or network issues – for example, your router is down.
• If you have a Linkly integrated terminal and your POS system fails

EFB and SAF transactions are processed offline and without authorisation. These transactions are processed at the risk of the merchant. If a transaction is disputed for any reason there is no ability to challenge this dispute.