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Transactions business models for card payments

Business modelTransaction typeShopper InteractionStored Credential ContractStored Credential Processing Model
Online purchase with shopper presentOne-off online purchase without storing card payment details for future use.ECOMMERCE
Online purchase with shopper presentOnline purchase where shopper agrees to store card details for future use. This can be a zero-value transaction account verification.ECOMMERCECREDENTIAL_ON_FILE
Online purchase with shopper presentOnline purchase where shopper uses previously stored card payment details.ECOMMERCEONE_CLICKCREDENTIAL_ON_FILE
SubscriptionsInitial transaction to sign up for a subscription.ECOMMERCERECURRING
SubscriptionsSubsequent subscription charge.ECOMMERCEMERCHANT_INITIATEDRECURRING
Non-fixed in time contracts (such as auto account top-ups)Initial transaction to sign up for the terms and conditions of later subsequent charges.ECOMMERCEUNSCHEDULED_CREDENTIAL_ON_FILE
Non-fixed in time contracts (such as auto account top-ups)Subsequent charges as described in the initial terms and conditions during the sign-up transaction.ECOMMERCEMERCHANT_INITIATEDUNSCHEDULED_CREDENTIAL_ON_FILE
St. George BankSA Bank of Melbourne

This information is a general statement for information purposes only and should only be used as a guide. While all care has been taken in preparation of this document, no member of the Westpac Group, nor any of their employees or directors gives any warranty of accuracy or reliability nor accepts any liability in any other way, including by reason of negligence for any errors or omissions contained herein, to the extent permitted by law. Unless otherwise specified, the products and services described are available only in Australia.

© St.George, Bank of Melbourne and BankSA – Divisions of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.