Merchant Acquiring and Payment Acceptance

The Merchant Assessment, Approval and Monitoring Operations Manual (Merchant Operations Manual) provides Cuscal requirements for the provisioning and on-boarding of merchants, BPAY Billers and Sub Billers (Billers) or Payment Facilities, through Cuscal as the Sponsor. This applies to Cuscal sponsored Acquirers, Payment Service Providers or Identified and Connected Institutions. Our clients must assess, monitor and control their merchants/sub-merchants to ensure that they maintain acceptable performance standards and meet the relevant Payment Industry regulations, scheme rules and standards. The Merchant Operations Manual has appendices which contain detailed lists and forms to assist clients meet these requirements and these documents are also separately set out below.

UPDATE

Release of v2.6 of the Merchant Assessment Approval Operation Manual. Revision of the manual now includes:

•     Inclusion of the Cuscal Jurisdiction Risk Table
•     Additional requirements for allocation of unique BSBs for High-Risk merchants see Section 4.4.1
•     Inclusion of clarifications around the Store Value Facility and requirements see Section 5.
•     New notification requirements for Merchants using PayTo see Section 7.1.1
•     Additional clarity on the offboarding of merchants see Sections 1.1 and 11

Release of the revised High Risk & Prohibited industries see Appendix A
Release of the Revised/Editable HRM Application Form see Appendix B
Release of Cuscal High Risk Jurisdiction Table see Appendix D

Merchant Assessment Approval and Monitoring Operations Manual

Appendix A - High Risk and Prohibited Industries

Appendix B - High Risk Customer Onboarding Form

Appendix C - Customer Listing

Appendix D - High Risk Jurisdiction Table

Appendix E - Transfer DCE Form