44
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 guide and obtain authorisation for all
transactions over these Floor Limits. Paper Voucher transaction processing can not be performed
with UnionPay cards.
Manually Processing Credit Card Transactions (Embossed Cards Only)
For Purchases
For Refunds
• Please 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 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 the signatures
match, please call the Authorisation
Centre on 1800 999 205 (select option 2).
If they do not match, do not complete
the transaction and seek an alternative
form of payment.
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.
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 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.
