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15. Manual Transaction Processing
15.1 Paper Voucher Processing
If you are unable to process Transactions electronically due to terminal failure, please
report the failure to ANZ Merchant Services immediately and obtain Authorisation to
process Transactions manually.
NOTE:
Use the correct Paper Voucher for the type of card being used and account being accessed.
Please record your Floor Limits in section 1.4 of this of this guide and obtain
Authorisation for all Transactions over these Floor Limits.
Customers can only access their credit card account by using their credit card.
Manually Processing Credit Card Transactions (Embossed Cards Only)
For Purchases
• Perform security checks described in the
Fraud Minimisation section of this guide
(section 6)
• Imprint the customer’s card onto the Sales
Voucher
• Remove the cover sheet plus the attached
carbon and destroy
• Check that the imprinted details are clear
• Complete the Voucher and enter the final
amount
• Have your customer sign the Voucher
• Compare the signature on the Voucher with
that on the card. If they do not match, do
not complete the Transaction and seek
an alternative form of payment. Call the
Authorisation Centre on 1800 999 205
(select option 1).
NOTE:
Seek Authorisation for all purchases over
your Floor Limit. Cardholder must be present
when gaining authorisation.
• If the Transaction is approved, record the
Authorisation Number on the Voucher.
• If the Transaction is declined, seek an
alternative method of payment and advise
the customer to contact their Card Issuer.
• When the Transaction is in order, hand the
customer the customer copy (yellow) of the
Voucher and their card.
Retain the Merchant copy for your records and
the Bank copy for banking.
For Refunds
If a Refund is required on a Transaction that
has not been deposited to ANZ, you must (if
obtained) cancel the Authorisation. Please
contact the appropriate Authorisation Centre
(Please refer to section 1.2).
You must only give a Refund by means of a
Transaction Voucher, a Credit Note issued by
you or an exchange of goods and not in cash
or by cheque.
To process a Refund using a Transaction
Voucher (Credit Voucher), you should:
• Perform security checks described in the
Fraud Minimisation section of this guide
(section 6)
• Imprint the customer’s card onto the Credit
Voucher (Embossed Cards Only)
• Remove the cover sheet and its attached
carbon and destroy
• Check that the imprinted details are clear
• Complete the Voucher
• Sign the Voucher to authorise the Refund.
You must process the refund to the credit
card that was used for the original purchase
(if possible, check the card number on the
original Sales Voucher).
• Hand the customer the customer copy
(yellow) of the Voucher and their card
• Retain the Merchant copy for your records
and the Bank copy for banking.
Any merchant charges relating to the original
purchase will be refunded.
Summary of Contents for multiPos
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