A chargeback takes place between the cardholder’s and retailer’s banks. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. Find out tips on how to reduce the risk of fraud and keep your credit card safe when shopping online. The first step in. If you're unable to print out the form, give us a call. Update my daily payment limit. When you request a refund for a purchase made using a credit or debit card (selecting credit, contactless payment or online. 9:30am - 5pm, Fri. Westpac's panicked response to its money-laundering scandal looks ill-considered. C. It happens when the cardholder disputes the payment, claiming it was invalid or unauthorised. If you don't have this available, refer to your text message from Westpac. S. A St. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. 2. It will be a scammer. org. Before trying these instructions make sure you update to the latest version of the app . You can search a transaction by description, date or amount. Telephone 132 032 (8am-8pm 7 days)In the Westpac App. Your available funds will remain unchanged. 7bn; $0. your name, card number and expiry date) rather than storing it on the magnetic stripe on the back of the card. While the credit card refund is pending the amount does not alter your account balance. Australian Financial Complaints Authority. Internet connection is needed to access Westpac App. Note: You will not see other transactions made with your Westpac card. Westpac has banned customers from transacting with Binance, on the same day as the controversial cryptocurrency exchange was stripped of its ability to accept PayID. The cardholder's bank investigates the claim, contacts the merchant's bank about the transaction and shares the details. The payment procedure for card payments is simple. Enter the new limit or use the slider and select Save. Call us on 1300 651 089 8am – 8pm Sydney time. CSV file to upload. When you dispute a transaction a message is sent from your credit card provider (i. For Westpac issued products, conditions, fees and charges apply. You can change a transaction subcategory by selecting ‘edit’ from the transaction details screen. It is your responsibility to ensure your customers’ payment details remain safe and secure. You’ll need to contact us as soon as you decide to raise a dispute. A pending transaction can be released or. If you don’t have an eligible Westpac account, contact the Travel Card team directly on 1300 797 470 (or. Some branches now open weekends. Tap Forgot customer ID or password on the sign in screen. any Westpac branch, online at westpac. In a statement on Monday morning, the. We’ll need to wait until the transaction is complete and no longer. But the timing is important. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. When a cardholder asks for a chargeback, the retailer’s bank may agree to pay back funds to the cardholder's bank. But Westpac had the smallest number of ombudsman complaints out of the big 4 banks in. Please note that we can. My Westpac Protect SMS code looks different to what I expected. Your Westpac account statement does not differentiate transactions made with your physical card or. When you use your Worldwide Wallet to pay for something, the bank will authorise the payment and immediately deduct that amount from your available funds. You can contact ShopBack via the ShopBack app or website. Often this will be a phone hotline (free or for the cost of a local call) that is open 24 hours, or a way to leave messages after hours. You can also phone 1300-651-089 or +61-2-9155-7700 (if. A page in Westpac Online Banking doesn’t look right, looks or. email: write to: prepaidmgmt_servicequality@mastercard. 9:30am - 4pm, Mon - Thurs. In such cases, you can manually categorise these transactions, which lets the system learn from your preferences and categorise future transactions similarly. Other banks may still deduct fees from your payment. Westpac alleges colourful soccer identity Bill Papas and his company Forum Finance orchestrated more than 100 allegedly fraudulent transactions that siphoned off over $340 million from the bank. The DDRSA will be removed from the Terms and Conditions on the next release date of. If this action has no. Select the Payment currency. AFCA is not part of Westpac and provides a free and independent service to resolve complaints by consumers and small businesses about financial firms. If the customer didn’t get what they paid for, they’re required to contact the merchant before disputing. While unauthorised transactions are also dealt with under the ePayments Code, the process for resolving this issue is different. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. You can also filter your search by credit/debit transactions. Go to Service > Preferences > Daily Payment Limit . 11 What to do if you want to dispute a Westpac Business. This is a complex remediation due to the various types of corporate actions involved. ASIC has commenced six civil penalty proceedings against Westpac in the Federal Court. In the Westpac App. 1. 1 million) in an. 95% of the initial transaction value when the currency conversion is initially locked in, as well as a 1. Select Reason for this payment and enter a Description. However, you may have more than one card, with a unique card number, on your account (e. If you are calling us after 8pm NZ time, press '1'. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600. “eligible Westpac transaction account” means a Westpac deposit account in relation to which Cardless Cash is available for. If you accept the transaction, any temporary dispute credit will be reversed. If you would like to chargeback a transaction, you will need to lodge the dispute within 30 days after the date of the statement on which the transaction is recorded. $15 via staff assisted to another Westpac foreign currency account $25 our charge option. Be aware of refund fraud. 7 in loan proceeds) but to enforce its nonmonetary rights under 11 U. There are insufficient funds in the linked account. Keeping your data safe. Before trying these instructions make sure you update to the latest version of the app . Peter was appointed Westpac Group Chief Executive Officer in April 2020, after holding the role on an acting basis between December 2019 and March 2020. They allege the culprit is Forum Finance, run by Sydney businessman Bill Papas. Westpac foreign currency account $25 our charge option. The Merchant services. Minimising fees and charges. If the transaction is still declined: Ask for another form of payment. If your card needs to be couriered to you within Australia, a courier cost of $25 will be charged to your card (additional. 6. Pending balance. Tap the Statement date period you want to view. 4. Card Services. At its simplest fraud occurs when someone obtains your credit card details and uses them over the phone or on the Internet to make purchases in your name. The text advises you to confirm your mobile device by clicking. (in your transaction history in Online Banking and the Westpac App) the Applicable Exchange Rates once the transaction is completed. When Matthew noticed a transaction that wasn’t made by him, he immediately disputed it. Branch opening hours. In general, it’s not possible to cancel them while they’re pending. Westpac alleges it lost $290m due to fraud committed by Forum Finance. In this conversation. While unauthorised transactions are also dealt with under the ePayments Code, the process for resolving this issue is different. If you wish to dispute a transaction on your statement, you may do so. 275 Kent St, Sydney NSW 2000. Submit a transaction for the full amount owed by the Customer for the transaction except where you and the Customer agree on a partial shipment (such as receiving a portion of an order),. In the Westpac App Tap the transaction to look up the merchant Tap Dispute transaction If no merchant information is available, tap Options Complete the details Can I contact Westpac by email? Contact Us via Email Whether you have an enquiry, wish to provide us feedback or want to make a complaint, we're able to help via email. This means that the same level of security that protects your payments to BSB and account numbers applies to payments made using Osko and PayID. g. Black cardholders can call 1300 651 999. If you find transaction that does not look correct, please lodge a dispute. We will send you an SMS (text) to confirm the transaction. auTo dispute a transaction in NAB, you should: for online and EFTPOS transactions log in to the mobile app or online banking, choose the transaction and press "Something not right?", follow the prompts. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. A merchant no longer receives paper. The transaction is being processed by Westpac. The card has expired. 4. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. If you don’t recognise a transaction, please contact the Worldwide Wallet team immediately on 1300 797 470 in Australia or +61 2 9155 7744 when. Option 2. The contact details for AFCA are set out below. This may process the transaction using Electronic Fallback (EFB) (if applicable) 1. Option 3. Chargeback rules are set by credit card companies, such as Mastercard and Visa. We’re sorry, this feature is currently unavailable. BEc, FCA. If a chargeback occurs on a gifting transaction, both the Riot Account sending. Download the disputes form below and submit a completed form for resolution via the link below. But sometimes, a chargeback can be fraudulent. Bank account offer. If you still don’t recognise the transaction or can't resolve the issue with the merchant, dispute the transaction in Online Banking or the Westpac App. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. Reduce manual data entry and save time by connecting your business transaction accounts to your accounting software. Sometimes this includes changes to design and colour. While a transaction is pending, the amount is deducted from your available funds, not your account balance. We’re always working on improving our digital features to bring you faster and easier ways to bank online; whether it’s on your computer, mobile or tablet. org. Aforementioned transaction need to be fully processed. Unauthorized credit card transaction. For authorised transactions, you can either call us or use our Transaction Dispute Form – just print out, complete and sign the form before sending it to us via the below methods. The good news is that with some simple steps, you can easily minimise or even avoid them all together. (47) The cardholder must complete the relevant Dispute or Fraud claim form and return the form to Corporate Credit Card Administrator. Imran Bande Ali Transaction dispute officer, Westpac New Zealand Waitakere, Auckland, New Zealand. Use this form to provide your Tax File Number (TFN), Australian Business Number (ABN), Tax Identification Number (TIN), Exemption Code/s and/or Tax Residency Information to an existing trading account. Last year, Australia's financial crime watchdog. If it’s none of the above, we can help you dispute a transaction. Westpac Banking Corporation has said "a mix of technology and human error" and "deficient financial crime processes" were to blame for its failure to comply with anti-money laundering obligations. A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. Phone: 1800 931 678 (free call) Online: Email: info@afca. The wrong card number, expiry date or CVC/CVV has been entered (when shopping online or over the phone) The card may be damaged, preventing the terminal. From anywhere in Australia, 8am - 8pm, 7 days a week, except Public Holidays. The New Payments Platform is a centralised platform that facilitates real-time clearing and settlements of payments between participating Australian financial institutions. Yes, if you add a tag to a transaction, any other users who have access to your account will see the same tag. However, there is a fee of 2. All credit or debit card purchases, including contactless transactions, should be protected by the companies’ chargeback policies. Select ‘Electronic transaction dispute’ and fill out your request. . The Westpac Global Currency Card is an unsecured debt security issued by EML Payment Solutions Limited (“EML”), arranged by Mastercard Prepaid Management. A pending transaction can be released or reversed at any time if the merchant submits a request to the Bank. 2. A dispute is when a cardholder asks their bank for a chargeback on a transaction, claiming that they either didn't authorize the transaction or didn’t get what they paid for. You can also filter your search by credit or debit transactions. Select Continue. The issuing bank responds to Westpac with a response code to report the success or failure of the card transaction. Alternatively, we’re always happy to chat if you call us on 1300 747 747. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Austrac stated that Westpac should have flagged these transactions, as they were consistent with child exploitation practices 15. Bill Papas’ Greek investment vehicle received at least $16. CHIP is a more effective counter-measure against counterfeit and skimming fraud. If you find a transaction that doesn’t look right, you can lodge a dispute within 30 days of the transaction taking place #. Our Fraud Detection Team advises you on unusual. How to dispute a transaction. It indicates you should call the number provided if you did not make the transaction. Westpac has banned customers from transacting with Binance, on the same day as the controversial cryptocurrency exchange was stripped of its ability to accept PayID funds transfers from Australian. April 27th, 2018 - Righting wrongs How Westpac helps What is a dispute When you query a transaction on your credit or debit card statement cancellation notification' 'Dispute Transaction Notification Form Debit Card November 18th, 2016 - Transaction Dispute Form Written Statement of Unauthorized Debit Please complete andYou can complete an identity check when you open an account online. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. § 1110 to prevent the assignment of its leaseholds without its consent. Master your money with our award winning mobile app*. If you believe an unauthorised transaction has taken place, notify your bank immediately. Tap Cancel payment or Amend payment (Android) or Options > Cancel payment or Amend payment (iOS) . Merchant Name Transaction Reference Number Amount Currency / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ Note: If further transactions are to be disputed, please attach a second document with continued list. Security tips. These attempts to defraud can occur via a number of methods eg credit card fraud, telephone banking and also Internet scams. We. Westpac’s remediation covers an estimated 328,000 potential missed corporate action notifications impacting approximately 32,000 customer accounts. There are no establishment or ongoing fees for accessing Online Banking, however fees and charges apply for the processing of some payments. Find out more. All Cardless Cash limits apply across Westpac, St. You should receive your replacement card within 5-7 business days if you’re in Australia or up to 5-10 business days if you’re overseas. Red helps you navigate Online Banking or the Westpac App. Needing to update who is a signatory to your business account. Receiving a one-time passcode via Westpac Protect™ Security Code helps provide extra protection against fraud and scams by allowing you to confirm that you authorise a transaction or activity and validating the request is genuine. 3. Some branches now open weekends. 9. Search SMS Code & Token in the Smart Search bar. Only available at Westpac ATMs in Australia. Share. Fraud, disputes and lost or stolen business cards. Generally, you’ll have two options when disputing a transaction: refund or chargeback. If you suspect the transaction could be credit card fraud, call our Card Services team on 0800 888 111, 24 hours, 7 days a week, or from overseas call +64 9 912 8000 (international toll charges apply). If your card is lost or stolen, you can let us know at any time, from anywhere in the world. You will see the transaction appear as Osko or the Osko logo (see below) when you make or receive an Osko Payment. 8am-6pm, Mon - Fri (Sydney time) From overseas. In Online Banking. Westpac Cardless Cash - Terms and Conditions (PDF 409KB) There is a Cardless Cash limit of 3 Cardless transactions per day, subject to a daily withdrawal limit of $500 and a weekly withdrawal limit of $1,000. Or an issuing bank may raise a chargeback directly (without making a retrieval request first). Alternatively, you can select Disputes from the menu and click the Dispute a Transaction button. Some possible reasons why you can’t see your digital card details include: Your card is not eligible. Westpac MasterCard Gift Card: customer statement of disputed transaction Please tick only one item below and print all information. Hence the payment to your credit card is assigned to the Transfers category to avoid doubling up the Credit Card Payment as an expense. Your upcoming payments will show all the payments you’ve submitted which are waiting to be processed, either today or on a future date. Westpac is looking to a finance-specific large language model (LLM) to cushion its entry into experimenting with generative AI, seeing it as “more accurate, safer, and intuitive” than ChatGPT. Cost of living support. All credit or debit card purchases, including contactless transactions, should be protected by the companies’ chargeback policies. Select the number of approvals required to complete updates and select Save. Bank account offer. 1. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Worldwide Wallet transactions are shown in the time and date in St. Pdf File. What's a BSB number?The Westpac Group intends to meet all legal obligations under FATCA in accordance with relevant laws. Louis, Missouri, USA (GMT-6). The contact details for AFCA are set out below. Some merchants/companies will use an thirds party enterprise to processes yours direct debit payments. Note the "Reason for payment" is not passed or visible to the. Never start Online Banking by clicking on a link in an email or by typing in any other website address. Fraudsters often make such purchases with stolen cards - as these items can often be resold quickly and easily. In Online Banking. Prepare supporting documents. A map of the transaction location. An unauthorised transaction is when someone transfers money from your account without your permission. 3. ePayments Code:For use when requesting the closure of your Share Trading, Global Markets or Exchange Traded Options (ETO) Account. Contact us in the Westpac App to skip the security questions and talk to the right person. How 3D Secure works. From Banking, select the relevant bank account. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. Tap Statements (incl. Tap the magnifying glass icon. 1Westpac Online BankingBranch opening hours. In simple terms, a chargeback is where money paid to a retailer for an item is reversed out of its account and refunded to yours. The Administrator can change the number of approvals required to create a PayID: Go to Administration > Features and approvals. Option 1: Within your Westpac Internet / Mobile banking, you may lodge a dispute by clicking on the transaction you are wanting to dispute, then selecting the ‘Dispute transaction’ button. 11 What to do if you want to dispute a Westpac Business. . Our Fraud Detection team advises you on unusual activity on your card and asks if the charges are yours. (46) Corporate Credit Card Administrator will send the cardholder either the Westpac "Dispute Transaction" form or a "Fraud Claim" form for completion - depending on the issue. Visit your local branch. Cardholder may be asked to verify their identity - this could be a request to enter a one-time code that has been sent to their mobile phone or a password only known to them. Our Fraud Detection team advises you on unusual activity on your card and asks if the charges are yours. George, BankSA and Bank of Melbourne accounts and Mobile Banking Apps. F. The microchip stores information more. Set up alerts and know immediately if anything changes. In countries where FATCA operates under an intergovernmental agreement (IGA) with the US (such as Australia), Westpac intends to meet all our legal obligations. In the Imports section, select IMPORT NEW FILE. Business transaction accounts. Bottom line. Review your transfer details and select Confirm. An account overdrawn fee and debit interest may apply. Yes you can. If your dispute fits into the following criteria, please complete the form below and we will aim to contact you by phone or email within 10 working days to acknowledge your dispute: My disputed transaction occurred on a Westpac debit or credit Mastercard (if your transaction occurred on a Westpac EFTPOS or Prepaid card, please call us on 0800. 68 million. Mexico: Scotiabank. resolve any transaction disputes. When a credit card holder is not satisfied with the merchant transaction, the card scheme rule allows for a claim. The payment procedure for card payments is simple. 1. 2. westpac. All branches are open: 9:30am - 4pm, Mon - Thurs. 1. Worldwide Wallet Dispute Claim Form (PDF 663KB) Send your completed Dispute Claim Form to us via email at [email protected] this conversation. Mr Papas's exact whereabouts is presently unknown. 1. Select a payee or Create a new payee. This applies to all push notifications except for ‘Card on the way for new or replacement of lost/stolen credit cards’- these notifications will only be sent to primary cardholders. stop you being liable for some types of transactions (see Clause 8)). Disputing a transaction. The Westpac Global Currency Card is an unsecured debt security issued by EML Payment Solutions Limited (“EML”), arranged by Mastercard Prepaid Management Services (NZ) Limited and is distributed by Westpac New Zealand Limited. We have re-reviewed the 12 customers highlighted by AUSTRAC and taken action and are working. True fraud is the most common reason behind legitimate disputes. For assistance on eligible Westpac products please see Westpac FAQ’s. The international daily limit for electronic cash withdrawals is A$1000 which applies to both. This means you don’t have to wait up to 10 business days for payments to be processed to. Security tips. 1unauthorised transaction, as opposed to a mistaken internet payment. 1 for details on how to dispute a transaction. If this action has no solved the disputed transaction in Westpac, you can contact the bank in Internet banking or the mobile app. For services which are available 24/7 (such as reporting your card lost or stolen) you are able to call 24/7, however for services which have limited availability (such as general enquires) our general Customer Care opening hours apply. In countries where FATCA operates under regulations (and not an IGA), we. 13 20 32. Keep data secure. Please complete this form if you need to dispute a transaction on your BankSA Worldwide Wallet Account. • Westpac’s foreign exchange rate will apply when converting currencies in Online Banking, the Westpac App or when we otherwise convert on your behalf. How do I get a Westpac Handycard? A Westpac Handycard is available to customers aged 12 years. A chargeback is a dispute between the card holder and the merchant resulting in a claim and a settlement. You can view Date, Description, Payment Type (Debit / Credit), Amount (s), Account balance in your transaction history. If this action has no solved the disputed transaction in Westpac, you can contact the bank in Internet banking or the mobile app. Westpac is one of over 60 Australian financial institutions connected to the New Payments Platform. 1800 022 022. The following are some common reasons which may assist you to understand why your transaction may have declined. You can view your statements online for eligible accounts via Westpac Online Banking instead of receiving paper statements. You can find out a little more about each transaction in Westpac One ® online banking. The payment will be marked as ‘pending’ while the transfer to the payee is processed, which generally takes up to 5 days. a wedding. 4 out of 5 stars from 1,413 genuine reviews on Australia's largest opinion site ProductReview. In the Westpac App. Deceased Estates Westpac. Before trying these instructions make sure you update to the latest version of the app . When receiving international money transfers to your Westpac account, you may be asked for Westpac’s Correspondent Bank. If Westpac can’t resolve your complaint at your first point of contact with them, they will escalate it to their Customer Solutions Team. We’re working to restore it. Australia's Westpac bank has negotiated to pay a record A$1. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?(46) Corporate Credit Card Administrator will send the cardholder either the Westpac "Dispute Transaction" form or a "Fraud Claim" form for completion - depending on the issue. Ubank Spend Account. If it went to an invalid account, it may take 2 to 3 days to return to your account. Unfortunately, Westpac’s response took longer than expected and he didn’t get the result he was hoping for. Tap Pay someone . Find out more about card transaction disputes at BOQ. By default, 25 transactions will be displayed with the option to display more transactions. You can also report the loss at any Westpac branch. Features Westpac Business One Westpac Business One Plus Westpac Business One – Negotiator Plan. Visit your local branch. During. co. If you wish to escalate the complaint, please tell EML Payment Solutions Limited this and the referral will be facilitated free of charge. As part of the claims. Card payments occur in real-time: the transaction is made between Westpac and the payer's. I did not make these transactions, and I did not receive any benefit from them. This is your 6-digit BSB, followed by your 6-digit account number. When you dispute a transaction a message is sent from your credit card provider (i. Get Cash is available on eligible Westpac transaction accounts with a linked debit card. The proceedings, each the result of an individual ASIC investigation, allege widespread compliance failures across multiple Westpac businesses. Use the dropdown box next to a Merchant Member Number (MMN)1 on the Overview screen and select View all merchant services to view Transaction and Settlement listings or View statements. The first step in. Features Westpac Business One Westpac Business One Plus Westpac Business One – Negotiator Plan. When a transaction is authorized but the good or service is not received or a duplicate charge is identified, contact Bank of America to file a dispute. 0 What to do if you have a problem or dispute Our service approach. This may process the transaction using Electronic Fallback (EFB) (if applicable) 1. Fraud and disputes – keeping your cards secure. WestPac disputes Boullioun's analysis of § 1110, but. Fraudulent transaction vs dispute with a seller. How to cancel a disputed Transaction. All branches are open: 9:30am - 4pm, Mon - Thurs. au, straight into your browser to get to the sign in page. au. If it can’t be resolved and you wish to dispute a transaction on your card, complete the dispute form, contact Card Services on 0800 444 691 (when calling from inside New Zealand). They must then resolve it within two billing cycles, which may not exceed 90 days from the date of your complaint. 10:24pm Jan 29, 2021. 9:30am - 5pm, Fri. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. Avoid the need to answer a series of security questions as we verify your identity when you sign in via the App. 3. If there's something wrong with an item you've bought with a credit or debit card, you may be able to get a refund by asking your bank or credit union for a chargeback. A dispute is when a cardholder asks their bank for a chargeback on a transaction, claiming that they either didn't authorize the transaction or didn’t get what they paid for. You can cancel a dispute at any stage by simply contacting any BOQ Branch or our Contact Centre directly on 1300 55 72 72. Some branches now open weekends. To cancel your card please call us on 0800 888 111 weekdays between 7am and 8pm and 8am to 5pm on weekends and public holidays or +64 9 914 8026 from overseas. Option 1: Within your Westpac Internet / Mobile banking, you may lodge a dispute by clicking on the transaction you are wanting to dispute, then selecting the ‘Dispute transaction’ button. Try the transaction again. Find out more. Open accounts, a term deposit, apply for a loan or credit card. Some branches now open weekends. The Australian Financial Complaints Authority ( AFCA) is not part of Westpac. Visit your local branch. 9:30am - 5pm, Fri. Your card or the transaction account has insufficient funds or. Share. When you request a refund for a purchase made using a credit or debit card (selecting credit, contactless payment or online/phone purchase) the bank, upon receiving the refund request, may display the refund as pending. com. Visa, Mastercard, American Express and Interac have committed to protect you. Reaching the seller in the day or two before a pending charge posts to your account balance or before the item ships can help smooth the path. ⁵. 4. Australian Financial Services Licence Number 233714. It is your responsibility to ensure your customers’ payment details remain safe and secure. If you suspect the transaction could be credit card fraud, call our Card Services team on 0800 888 111, 24 hours, 7 days a week, or from overseas call +64 9 912 8000 (international toll charges apply). 9:30am - 5pm, Fri. e. You may be charged Foreign Transaction Fees (as set . In this case, the money you paid is refunded back to you temporarily, at which point your card issuer will. . Your DDRSA is available as a standalone document online at Direct Debit Request Service Agreement and as section 43 of the Merchant Business Solutions Card Acceptance by Business Terms and Conditions (Terms and Conditions).