EFTPOS American Express

You can accept Chip & PIN, magnetic strip and Contactless transactions. Remember to check that the Card hasn't been visually altered or tampered with. If you have any issues with your terminal, you should contact your bank or terminal provider first.

Magnetic Strip Cards (No Chip)

1. Swipe the Card. If the magnetic strip is unreadable, key in the transaction manually and take an imprint of the Card to validate its presence.
2. Follow the prompts on the terminal display to process the transaction.
3. Your terminal will call American Express and respond with an Authorisation Code, a 'Decline' or a 'Call Issuer' message.
4. Ask the customer to enter their PIN or sign the terminal receipt.
5. Compare the signature on the receipt to the one on the back of the Card. If they do not match, refuse the transaction.

Chip Cards

1. Place the Card in the 'Chip' reader of your EFTPOS terminal (if your terminal doesn't have a Chip reader, process as a Magnetic Strip Card).
2. Ask the customer to enter their PIN (if required).
3. Return the Card and provide a copy of the transaction receipt.

Note: If the Chip transaction fails, follow the swipe card procedure detailed above. If the Chip transaction is declined, refuse the transaction.

If you receive a 'Call Issuer' message, call us on 1300 363 614 (24 hours, daily).

Card Member not present

In the case of mail, telephone or online transactions, follow the process for the card not present solution enabled for your business. Alternatively you can key the transaction manually into your terminal.

You should obtain as much relevant information as possible from your customer in order to complete the transaction due to the high risk nature of the transaction. The actual details required differ, so it's a good idea to contact your bank, terminal or online payment gateway provider to confirm what these are.

It is always recommended to complete a name and address check with our authorizations team to ensure that the address you send the goods or services to matches the Card Members address on our records.

American Express Travellers Cheques

1. Start by calling our specialist team on 1800 688 022 to request a free Travellers Cheque Merchant code.
2. Ask your customer to countersign the cheque and compare it with the original signature.
3. If you're unsure about the cheque's validity, you can request authorisation by calling 1800 688 022.