NAB0046_TALKING SHOP_JUNE08_V7.indd
Contents
1. Bn 2 LP De lt R 7 7 h r r jejd ju r al al ee i 4 m z i ff Welcome to the June edition of Talking Shop There are manv exciting and innovative developments undervvay that may be relevant to you and your business The introduction of the NAB Health EFTPOS terminal vvill enable patients to make Medicare claims at the time of consultation Further information about Medicare Easvclaim is outlined on page 3 TESTING OUR SVSTEMS disaster recoverv We have also launched NAB Transact an online platform that provides access to multiple products To find out more see page 4 If vou have anv feedback or ideas about how Talking Shop can add value to vour business please email merchant news nab com au It is necessary to refresh our systems and test disaster recovery procedures ona regular basis to ensure we continue to provide the best possible service to you on a day to day basis Systems must be tested in a real environment Although there may be some potential impact to your business we understand the importance of providing you with a reliable transaction processing service To minimise the impact we ensure that testing occurs at times where transaction processing volumes are low Disaster recovery testing is a necessary insurance and an essential element of product maintenance We assure you that your needs will always be considered w2. e General merchant support available 24 hours a day 7 days a week find out more about NAB Transact e Consolidated reporting For further information and to sign up to our new transaction processing platform call our sales specialists on 1300 338 767 HOW TOGET FASTER SETTLEMENT Did vou know that settlement to non NAB bank accounts takes an additional day If you settle to a NAB bank account you have access to your funds earlier than settling elsevvhere To arrange for your funds to settle vvith NAB simply open a NAB Business Cheque Account a full access day to day transaction account vvith a lovv monthly service fee and unlimited electronic transactions Then to maximise the returns on the funds you receive together with any surplus cash simply transfer funds into a NAB Business Cash Maximiser a high interest deposit account that you can park your surplus funds and access immediately or a NAB Term Deposit a fixed rate fixed term investment providing a secure return on funds for each agreed term To assist you in selecting the most appropriate business account for your needs we have introduced an account selector tool on nab com au businessaccounts To find out how vour business can benefit from NAB s business banking and transactional solutions talk to vour NAB Business Banking Manager or call 13 10 12 To ensure that vour funds are settled into vour NAB account please advise the
3. Merchant Service Centre on 1300 369 852 Option 2 of vour new settlement account details 1 Excludes multiple fund transfers made via NAB Internet Banking EFTPOS TERMINAL UPGRADES As mentioned in previous editions of Talking Shop we are currently in the process of upgrading many of our EFTPOS terminals at no cost to you We are currently focusing on EFTPOS terminals that are unable to read the microchip embedded in a chip card This is a scheme MasterCard Visa requirement and all financial institutions must progressively upgrade EFTPOS terminals to comply Initially an upgrade notification letter will be sent to you You will then be contacted by the NAB EFTPOS installation team to organise Baa Sobers Bina Bi cay i eee iraa Managing amp investing funds m kan Pera l Loe pee Hi Pore k Decuria m Caio bP gece Toe D Eitri Butea m Eaa 2c r Coia yow HAD Bunnert Transaction accounts hed iea hut 1 m Hal hirri Baring ra rrerirarud randan Tras iradi nar Elmir a ess ta your tunda and bali ede muzi hi dr m HAB Buen Cipari banking TE thee ber Barmen mindi Emi n r r h your ri and HE HAE h nd bi je dieti TMOG ON viral Cheep rA Tirit centim An KOH bo meet Bee reeds of kg s H b Fe Prochi ince Endi est 4 Ar assur i Fa d n z d a HUB C mmini Fee Farsi yahoo aya gr za m Sa
4. staff leave To help vou understand that it reallv can happen we have included some of the recurring issues reported to our Fraud team A small retail outlet recently dismissed an employee after discovering approximately 4 000 in refunds had been debited from their business account The former employee had broken into the premises over the previous weekend and with the help of the refund password he was able to process refunds to his personal account The merchant was found liable for the funds If the password had been changed this may not have happened When a telecommunications store was robbed the offender was able to find the refund password which had been written in the user manual for the terminal The offender was able to refund approximately 2 000 to a debit card and then went to an ATM and withdrew some funds The merchant was liable for the funds had the robber not had access to this password this could have been avoided A medical surgery pays wages to employees in cash To save time going to his bank an employee processed a refund to his card and placed his wages in the till to cover the transaction Whilst this is technically not fraud these types of refunds are a breach of your merchant agreement as the refunds without a corresponding sale are invalid Refer to merchant agreement section 4 1 e and 4 1 g NAB detected that a family owned beauty salon had processed a large number of refunds to a single card
5. B s terminals feature simple functions fast processing and terminal based stationery re ordering easyclaim key design features of the terminal e All in one EFTPOS payment e Processes debit credit and and Medicare Easyclaim charge cards solution e Functionality includes e Combined printer and purchase refund cash out terminal settlements transaction history and key entry e Single cable for power and communications e Merchant settlement is performed automatically overnight to the merchant s bank account Settlement to non NAB bank accounts will take an additional bank business day e Fast printing and transaction speed e Stylish compact design and large backlit screen for easy reading 1 For transactions completed before 9 30pm on a business day further information To find out more about how you can offer Medicare Easyclaim to your customers call NAB Health s Medicare claiming team on 1800 ECLAIM 1800 325 246 NAB TRANSACT ONLINE PRODUCT PLATFORM We have recently launched NAB Transact a single online platform that allows you to receive payments from customers vur h mi berk and make payments to suppliers and staff LAJ Erne products available through NAB Transact Product Hosted payment page Virtual terminal Batch Payments Application Programming Interface API Direct Post Description An online payment page that can be linked to most shopping cart app
6. ential loss or damage sustained from or after publication of any advertisement it is appropriate for your circumstances To the extent allowed by law National Australia Bank Limited ABN 12 004 044 937 its affiliates and their respective directors officers employees and agents NAB disclaim any warranty or representation about the accuracy or completeness of the Information Views expressed by external contributors are not necessarily endorsed by NAB The information is subject to copyright and any reproduction of it without the prior written consent of the copyright owner is prohibited 2008 National Australia Bank Limited ABN 12 004 044 937
7. hen planning testing MEDICARE EASVCLAIM The electronic Medicare newlv developed software claiming svstem known as allows the processing of Medicare Easvclaim is a electronic Medicare claims Medicare Australia initiative The NAB Health EFTPOS allowing patients to lodge terminals are available as a their Medicare claims fixed line or mobile terminal through their doctor s EFTPOS terminal rather than queuing at a Medicare office General practitioners GPs and other health professionals who have a Medicare NAB has invested in a new Provider Number and process range of NAB Health EFTPOS Medicare related services terminals to accommodate via bulk bill paid patient Medicare s requirements for part paid patient or unpaid electronic claiming The NAB patient claim scenarios can Health EFTPOS terminal with applv for this service benefits of Medicare Easvclaim 01 simplicity One terminal will handle claiming and payment needs 02 improved cash flow for practice For bulk billing and account payment practices payment will be received more quickly next day for bulk bill 03 reduced administration and paperwork Practice no longer has to manage manual paper based processes for bulk billing 04 patient convenience Patients will receive quicker claims payments without paperwork and do not need to attend a Medicare office 05 competitive pricing Competitive Merchant Service Fees 06 state of the art technology NA
8. lications allowing customers to submit their card details to buy goods and services online The payment page can be tailored to your business branding or NAB branding For individual mail telephone order MOTO or e commerce transactions submitted by an operator for real time processing Allows multiple mail telephone or e commerce transactions to be processed by submitting a formatted data file Allows integration of a thin link client for transaction processing from your own business website Cardholder data is stored onsite and data security standards must be met Allows integration of a thin link client for transaction processing from your own business website Cardholder data is stored by an approved NAB vendor key features of NAB Transact e Single platform for the provision of multiple product offerings e Multi layered cardholder security incorporating secure encryption of card details e Product bundling available eCommerce Package Hosted Payment Page API Direct e User Login audit history available e Acceptance of major credit cards Visa and MasterCard and charge cards AMEX and Diners e Administration functions including detailed transaction search function and self service password administration Post Virtual Terminal amp Batch payments Mail amp Telephone MOTO Order Package Virtual Terminal amp Batch payments e Technical Support available 8am to 8pm AEST Monday to Friday
9. mpromises There are 12 securitv requirements that merchants must focus on These standards can be found at the PCI DSS website pcisecuritvstandards org tech The card schemes expect all merchants to complv and demonstrate how thev meet PCI DSS requirements If you are utilising the services of a third party web hosting service vou should ensure that the web hosting service is PCI DSS compliant If cardholder data is not being stored in a secure environment and is compromised there mav be substantial fines and penalties passed on to vour business If vou need anv further information or have anv questions about PCI DSS please email pci nab com au further information Phone Merchant Fraud Team 1300 668 046 Email merchant fraud nab com au Web nab com au merchantfraud CONTACT US merchant support Merchant Service Centre product support NAB Secure Internet Pavments Service NSIPS NAB Email Pavments Service NEPS NAB Online Corporate authorisations MasterCard Visa Debit account American Express Diners Club sales NAB payment solutions Payment Card Industry Data Security Standard PCI DSS PCI Help Desk technical assistance 1300 369 852 1300 138 313 1300 139 439 1300 652 565 132515 1300 360 852 1300 363 614 1800 331 112 1300 EFTPOS 1300 338 767 Option 1 1300 736 216 DID VOU KNOW2 EFTPOS Terminal User Guides contain instructions on how to perform most terminal functions Referring t
10. number over a period of three months The owner was contacted by the merchant fraud unit The merchant was not aware of the refunds The owner had noticed that they had been very busy however profit had not improved It had been established that refunds were processed by an employee to a personal account During the three month period 11 000 was stolen from the business settlement account using the terminal The Merchant was found liable for the funds as it is their responsibility to ensure the terminal and refund password are secure The police are currently investigating this case reducing vour exposure to credit card fraud When processing transactions it is important that vou are aware of customer behaviour Does vour customer seem to be acting suspiciouslv2 Is the customer request unusual in any vvay We have seen an increase in the use of counterfeft cards that can be linked to technology advances Training staff about hovv they can identifv fraudulent cards is a worthwhile investment e Does the card look legitimate e Does the card contain the appropriate securitv features e Is the card valid with an appropriate expiry date If you are concerned about a card that has been presented please call KevAuth on 13 25 15 and ask for extension 500 Pavment Card Industrv Data Securitv Standard PCI DSS PCI DSS was created by the card schemes Visa International and MasterCard to manage the risk of both external and internal data co
11. o vour user guide provides vou with a quick and easy way to find out how to use specific terminal functions that you may not use every day nformation such as how to order stationery through your terminal and hovv hovv to perform a settlement are outlined in easy to follow steps If you need a replacement Terminal User Guide please call the Merchant Service Centre on 1300 369 852 Option 4 Quick Reference Cards provide you with the answers to common queries We have developed Quick Reference Cards that provide easy to follow steps to assist you with performing common functions The cards are durable and can be stored on or under your counter for easy reference to common questions You can order a quick reference card for your terminal by calling the Merchant Service Centre on 1300 369 852 option 4 Please note Quick Reference Cards are available for select EFTPOS terminals only You can accept China UnionPay cards NAB s state of the art EFTPOS terminal range accepts China UnionPay CUP cards With over 300 000 Chinese tourists visiting Australia each year and over 90 000 Chinese students enrolled in Australian education institutions CUP card acceptance becomes a valuable feature of an EFTPOS system To find out how you can accept CUP call us on 1300 EFTPOS 1300 338 767 Option 1 MERCHANT DETAILS CONFIRMATION Please take the time to complete this merchant details confirmation It is impor
12. tant that we have up to date contact details for your business at all times Merchant number Business name Contact person Business location address Postal address Phone number Mobile number Disclaimer Please confirm your details via Stationery ordering through your terminal You can order stationery such as tally rolls through most of our EFTPOS terminals Fax Merchant Operations 02 8754 4092 or Email merchant operations nab com au or Phone Merchant Service Centre 1300 369 852 Option 2 Fax number The material in this publication including any advice the information is current as at June 2008 is of a general nature onlv and is intended for distribution to Australian residents onlv Statements about future matters may not be realised and should not be relied upon The information has been prepared without taking into account your objectives financial situation or needs Before acting on any of the information you should consider whether Neither NAB nor contributors to this publication will be liable in any way for any direct indirect or consequential loss or damage however caused whether in negligence or otherwise which may be suffered by any person relying on the information or otherwise arising in connection with the information or any omission from it NAB does not endorse the contents of the advertisements placed in this publication or accept liability for any direct indirect or consequ
13. vings investment accounts Yuxu HH RAH Appi banana Gah Gules day B aster aaron m NAP Dunmerii Chih Lares uk wots Por pa DEEE ore qar 1 1 bagi s h hid MINA 2 m HAB bu unda einen h z n CA our Sibi ia wat funds Bede dor FFT sim ammam a Se ann in Cee business account selector Results Acco fin of Account a r x Coe T lqin Brandi a Tu and E MAGI le Rika al ares F Other ea in m depi x apply R the installation of your nevv terminal It is important that you are available onsite for the installation and training on your new terminal All technicians will be wearing photo identification for securitv purposes If you are uncertain of the identitv of the caller or the installation technician please contact the Merchant Service Centre on 1300 369 852 option 2 amending vour refund passwords Vou should alwavs remember to change refund passwords on a regular basis and ensure access to the refund function is limited If you are not careful with refund passwords you may be exposing vour business to potential fraud How to keep vour refund password safe e Change the default password at the time of installation e Change your refund password regularly e Only provide the refund password to a limited number of trusted staff e As a precaution change your refund password when
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