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FAQ's
Online Payment FAQ What does a merchant need to get started?
Why do I need an Internet Merchant Account?
Do I need to change banks?
What credit cards are accepted by the Card Access Services gateway?
What payment options are available?
What are the hours of operation for the Card Access system?
If a customer makes a payment by mistake, pays too much, or wishes to return an item, can a merchant refund the customer's money?
What hardware/software do I need to offer online transactions through Card Access Services?
Can CAS handle transactions originated outside Australia?
Does CAS perform instant online credit card validation?
What are the ongoing fees?
What validity checks does CAS's software perform for me?
Is it safe for my customers to send personal information, including credit card numbers, over the internet?
My website does not have SSL (Secure Socket Layer). How can I use CAS's Online products and protect my customers' credit card details?
What level of encryption does Card Access use?

What does a merchant need to get started?

An Internet Merchant Account with any of the major national banks which offer online merchant services. A merchant & terminal ID supplied by your bank, configured for the Card Access Services Online Gateway. If you need help obtaining these items, please contact our Customer Support Representative for assistance on +61 (02) 9906 7209.


Why do I need an Internet Merchant Account?

A merchant account enables your business to accept credit card payments for sales or services for Internet or Moto (Mail Order Telephone Order) transaction types.


Do I need to change banks?

No, unless the bank you currently deal with does not offer an Internet Merchant Account facility. Card Access Services processes credit card transactions through ANZ Bank, , Bank West, Commonwealth Bank, National Australia Bank, St George Bank, and Westpac Bank merchant accounts. If your bank is not listed here, please contact Card Access Services for assistance.


What credit cards are accepted by the Card Access Services gateway?

Card Access Services accepts Visa, MasterCard, American Express, Diners Club, and JCB.


What payment options are available?

Card Access Services offers solutions for online payments, pay-by-phone, call centres, direct debits, and more.


What are the hours of operation for the Card Access system?

Card Access Services’ Payment Server runs 24-hours a day, every day, so businesses never miss a sale.


If a customer makes a payment by mistake, pays too much, or wishes to return an item, can a merchant refund the customer's money?

Card Access Services allows both refunds and reversals through our gateway. Reversals can be done for the full amount of a payment, any time before close of banking on the transaction's settlement date. Reversed transactions will not appear on your customer's credit card statement. Refunds can be performed at any time, and can be a full or partial refund of the customer's payment. Multiple refunds may be performed on a transaction until the balance of the transaction is zero. Refunds and reversals can be performed through most of CAS's software, and for convenience, may be done online from our website's Secure Merchant Login facility.


What hardware/software do I need to offer online transactions through Card Access Services?

Any Web/commerce server that conforms to the HTTP/1.0 standard (virtually every Web server currently operating) can utilize the Card Access credit card gateway. All that is required is for the merchant Web site to incorporate a form into their final


Can CAS handle transactions originated outside Australia?

Yes. Just as anyone traveling overseas is able to pay for goods and services with their credit card, any cardholder with an appropriate card may make a payment using CAS. The transaction is conducted in Australian Dollars and the foreign currency conversion is then handled by the customer's home bank.


Does CAS perform instant online credit card validation?

Yes. CAS Batch allows a merchant to upload a list of transactions during the day, which will be processed at midnight that night.


What are the ongoing fees?

Just like every person is unique, every account we sell is unique to you and your business, therefore we can not state a price until we know more about the account you need. Card Access Services offers fixed price fees for all our services. Call +61 (02) 9906 7209 and ask to speak to a Sales Representative for charges pertinent to your situation.


What validity checks does CAS's software perform for me?

CAS's Client software checks basic field validity before sending a transaction to our Payment Server. We check that all mandatory data has been entered, as well as validity of fields such as the credit card number, expiry date, and amount. Merchants are not charged for transactions which do not pass these basic tests.


Is it safe for my customers to send personal information, including credit card numbers, over the internet?

CAS encrypts all transaction details before sending them across the internet, so the details of the message cannot be seen by anyone except CAS's Payment Server.


My website does not have SSL (Secure Socket Layer). How can I use CAS's Online products and protect my customers' credit card details?

Our Hosted web service CAS Connect is an HTML form which runs on a secure web server. You just post the required variables to our payment page, the customer fills in their credit card number in the secure form, and we redirect the response back to your site.


What level of encryption does Card Access use?

Card Access uses a 256-bit digital server certificate provided by EquiFax™. This level of encryption is currently considered realistically unbreakable.