FAQs

Find the answer to your frequently asked question

• How does St.George determine the fees that are charged and why do they vary between businesses?
• As a start up business, are there any extra requirements or restrictions to getting a merchant facility?
• What are my options when selecting a payment solution for my business?
• What cards will I be able to accept with a St.George payment solution?
• What will I need to provide when applying for a merchant facility?
• How do I apply for a merchant facility?
• How long does it take for my application to be processed?
• Do I need to have a account?
• What is ‘Same day settlement’?
• Can I choose when my facility settles for the day?
• What is a chargeback?
• Am I liable for chargebacks?
• Can my payment solution integrate with my accounting packages?
• I do not have a fixed location. Do you have a payment solution for me?
• Do I need to use a solutions partner/external gateway?
• I don't have a website, how do I accept payments?
• What is PCI-DSS?

How does St.George determine the fees that are charged and why do they vary between businesses?

The fees charged by St.George are based on the cost of providing the service to you. As these costs depend on a number of factors including the volume and value of transactions, the prices we offer will depend on your specific business. By understanding your business St.George can ensure the fees we charge are appropriate to your business and most importantly, cost effective to you.

As a start up business, are there any extra requirements or restrictions to getting a merchant facility?

No, St.George will provide payment solutions to all businesses that meet our application criteria. We understand that establishing a business can be difficult and stressful and have specialised staff available to help you select the most appropriate payment solution to meet your needs.

What are my options when selecting a payment solution for my business?

St.George provide a complete range of payment solutions. Our Payment Solutions Selector makes selecting the right product simple.

What cards will I be able to accept with a payment solution?

Your EFTPOS facility will be able to accept ALL cards – VISA, Mastercard, American Express, JCB, Diners International and Australian Debit Cards. Internet facilities accept VISA, Mastercard, American Express, Diners International and JCB cards only.

What will I need to provide when applying for a merchant facility?

You will need several things including:

• A registered business name – registered with the Department of Fair Trading or the Australian Securities and Investment Commission (ASIC).
• A business or transactional bank account in the name of your registered business.
• Identification.

Additional information may be required by us to ensure we fully understand your business requirements.

How do I apply for a merchant facility?

Simply call us on 133 800 and speak directly to one of our specialist Payment Solutions team or you can submit your enquiry today.

How long does it take for my application to be processed?

A standard application takes just 5 days once you have submitted all required information. Confirmation of the facility is provided after has reviewed your application. All applications are subject to St.George approval criteria.

Do I need to have a account?

For the majority of merchants, a bank account with St.George is not required. However if you have a St.George account you will receive the additional benefit of receiving your funds six days a week, typically with same day settlement – allowing you to access your funds faster!

What is ‘Same day settlement’?

Same day settlement is a great benefit to you when you combine your St.George payment solution with a bank account. All transactions processed through your payment solution will be debited to your St.George business account the same day (when you settle your terminal before 9pm). This will allow you to access your funds faster and help you improve your cash flow.

Can I choose when my facility settles for the day?

Yes, we realise that your business may operate different hours and we ensure that you have the flexibility to choose when your facility will settle. The facility can only settle once in a 24-hour period.

What is a chargeback?

A chargeback is a dispute of a credit card transaction made by the cardholder. St.George will receive the request and work with you to address the chargeback. Chargebacks generally occur due to fraudulent activity on the card, customer disputes, duplicate transactions, merchandise not received or from authorisation issues. The associated merchants’ bank account may be debited as outlined by the Card Scheme Rules.

Am I liable for chargebacks?

As a merchant, you are liable for chargebacks. To help minimise your risk, it is important that you follow merchant best practices guidelines. Support information is provided to you when you receive your payment facility.

Can my payment solution integrate with my accounting packages?

Yes, we have several payment solutions that allow you to fully integrate your payment solution with your accounting / point of sale software ensuring you benefit from having all your business in one place! Call us on 133 800 for more information.

I do not have a fixed location. Do you have a payment solution for me?

Yes, we have a great mobile device that allows you to travel to your customers, reducing your need to carry cash or issue invoices. Contact us today on 133 800 to learn more about our mobile EFTPOS product.

Do I need to use a solutions partner/external gateway?

Depending on your business requirements, you have the option of utilising the St. George Internet Payment Gateway or an external Payment Gateway. There are a number of benefits associated with each of the options available to you, depending on your needs.

I don't have a website, how do I accept payments?

An online payment solution provides you with the capability to accept credit card payments by a variety of means in addition to a website. Solutions include using a call centre, Interactive Voice Recognition, batch payments, mobile payments and many more.

What is PCI-DSS?

PCI-DSS is an abbreviation for Payment Card Industry Data Security Standard and was developed by the major credit card companies to assist merchants to mitigate data compromises. Organisations processing, storing and/or transmitting credit card details must be PCI-DSS compliant. Compliance is achieved by undertaking two tasks dependant on your transaction volumes. These tasks could include an annual on-site audit, a quarterly vulnerability scan or a self-assessment questionnaire.