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Split Ticket Transactions
A transaction may be deemed invalid and charged back to you if, in ANZ’s reasonable
opinion, it relates to one or more purchases made in the same merchant establishment
which have been split into two or more transactions.
Chip Card Processing
Chip Cards are embedded with a security microchip that provides further protection to
assist in decreasing the risk of fraudulent transactions and chargeback disputes. Look
at the card and if there is a chip, always insert the card into the chip reader at the rst
instance. As with any other transaction, a degree of caution must also be exhibited
when processing chip card transactions.
If:
• The terminal displays “Insert Chip” when the card is swiped through the terminal and
the card in question does not have a chip on it, do not proceed with the transaction
• The terminal displays “Insert Chip” and the chip, when inserted, cannot be read by the
terminal, do not proceed with the transaction.
7.2 FRAUD MINIMISATION FOR CREDIT CARDS
The following checks are vital in helping you identify and minimise fraudulent credit
card transactions via your ANZ Merchant Facility.
Before commencing any transaction check:
• Conrm that you are authorised to accept that particular card
• Check whether the card appears damaged or altered.
Check on the front of the card that:
• Ensure that the name on the card is appropriate to the customer. Identity theft may
have occurred if you are presented with a card containing the name of a cartoon
character, a feminine name on a card presented by male or other questionable
scenarios
• The printing on the card should look professional
• The card must have current validity dates (a card can only be used from the rst day
of the ‘valid from’ month to the last day of the ‘until end’ month)
• Cards should look 3-dimensional and contain familiar security features such as a
hologram, signature panel and CVC2 (explanation to follow). It should not appear
suspicious or be made of inferior material.
Note: Some UnionPay cards may be issued with zeros or no expiry date. These cards are
still valid.
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