5
4
Authorisation does not amount to verification that the transaction is genuine nor does it
authenticate the customer.
NOTE:
• Authorisation of the transaction does not mean that the true cardholder has authorised
the transaction
• Authorisation does not protect the merchant from chargebacks
• ANZ cannot guarantee that a transaction has been conducted by the true
cardholder.
Authorisation Declined
Where an Authorisation is declined, please seek an alternative method of payment. If the
customer cannot pay, the goods should be reclaimed. For goods that cannot be reclaimed
(eg. food items, petrol etc), request photographic identification such as a Driver’s Licence
or take a description of the person and arrange with the customer to provide an
alternative method of payment. If unsuccessful, report the incident to the Police.
1.4 Floor Limits
A Floor Limit is a dollar amount set for a particular type of card transaction processed via
your merchant facility. Please note, Floor Limits relate to all transactions. Your Letter of
Offer outlines all Authorised Floor Limits that are specific to your business. Some of these
limits are specific to your business or industry, please insert these Authorised Floor Limits
in the appropriate spaces provided.
Authorised Floor Limits
Credit Card Floor Limits (including Visa and MasterCard Debit Transactions)
Manual (Imprinter):
Please insert your Authorised Floor Limit
Electronic Fallback:
Please insert your Authorised Floor Limit
Internet:
$0
Mail Order & Telephone Order:
$0
All Other Electronic Transactions:
$0
NOTE:
Please refer to your Merchant Agreement for further information on Floor Limits that apply to
Manual Imprinter and Electronic Fallback.
Debit Card Floor Limits (not including Visa and MasterCard Transactions)
• All Merchants cash/combined purchase/cash $0
• Service stations, taxis/limousines, liquor and convenience stores $60
• Supermarkets $200
• All Other $100.
Charge Card Floor Limits
Diners Club: ___________________ American Express: ___________________
NOTE:
A $0 Floor Limit applies to all Hand Key Mail/Telephone Order and eCommerce Transactions.
