Schedule of Fees and Charges
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Eftpos Payments Australia Limited ABN 37 136 180 366
eftpos Payments Australia Limited ABN 37 136 180 366 Parliamentary Joint Committee on Corporations and Financial Services: Inquiry into Mobile Payment and Digital Wallet Financial Services. PO Box 6100 Parliament House Canberra ACT 2600 [Via email: [email protected]] Dear Committee Members, Thank you for the opportunity to provide a further submission to this important inquiry. eftpos is a mutual style corporation that is not motivated by profit and promotes choice and competition in the Australian market. As the only Australian-owned separately designated payments system, eftpos is an essential part of the national payments infrastructure and is committed to providing efficient, safe, cost-effective and market- specific payments solutions for the benefit of all Australians. The Company’s Purpose is simple – to do good for Australia. To that end, eftpos believes it can greatly assist the Australian finance sector and broader economy to thrive and grow by providing low cost access to our network and payments capability over our national, real time processing infrastructure. Further, low cost access, mobile payments capability, our ability to issue tokens, and the work we are doing with industry around real time digital payments and a ubiquitous Digital Identity solution, have the potential to bring many FinTech solutions to life in the current environment, particularly through mobile payments. eftpos has invested deeply in the mobile ecosystem, having purchased Beem It, the Australian payments App that enables consumers to send and receive money using their phone in seconds, in November 2020 to help diversify the eftpos Group business and move further into the digital ecosystem. -
Consumer Privacy Policy
Rev. April 2018 WHAT DOES BANK OF THE WEST FACTS DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives Why? consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you What? have with us. This information can include: ■ Social Security number and income ■ transaction history and account balances ■ credit history and employment information All financial companies need to share customers’ personal information to run their everyday How? business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bank of the West chooses to share; and whether you can limit this sharing. Does Bank oF the Reasons we can share your personal inFormation Can you limit this sharing? West share? For our everyday business purposes— such as to process your transactions, maintain your Yes No account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes— Yes No to offer our products and services to you For joint marketing with other Financial companies Yes No For our aFFiliates’ everyday business purposes— Yes No information about your transactions and experiences For our aFFiliates’ everyday business purposes— Yes Yes information about your creditworthiness For our aFFiliates to market to you Yes Yes For nonaFFiliates to market to you No We don’t share To limit ■ Call 1-800-676-BEAR (2327)—our menu will prompt you through your choice(s) ■ TTY users may call 1-800-659-5495 our sharing Please note: If you are a new customer, we can begin sharing your information 60 days from the date we sent this notice. -
Consumer Credit Cards: Product Guide Choose the Card That’S Right for You
Consumer Credit Cards: Product Guide Choose The Card That’s Right For You. I’M INTERESTED IN: Earn 5% Cash Back In Two Categories You Choose 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose1, such as: ® • TV, Internet & Streaming Services Choose where Visa Max Redeem you earn the • Home Utilities Cash Preferred • Cash Back2 most cash back Card • Cell Phone Providers EARNING 2% unlimited cash back on one everyday category of your choice: VALUABLE • Gas Stations & Ground Transportation REWARD • Restaurants & Food Delivery • Grocery Stores & Grocery Delivery 1% unlimited cash back on all other eligible purchases Earn Redeem Earn rewards Visa® Real • Merchandise on everyday Rewards – With No Limits • Gift Cards purchases Rewards Card 1.5X • 1.5X Points per $1 spent on eligible purchases3 • Travel • Cash Back Save interest ® Transfer Balances PAYING DOWN on balance Visa Low Intro Rate • BALANCES transfers Platinum Card • For an extended time From other higher rate and purchases credit cards Redeem ® Easy to manage Visa College 1.5X Unlimited Rewards • Merchandise card for college Real Rewards • 1.5X Points per $1 spent on eligible purchases3 • Gift Cards students Card • Account Alerts, Online and Mobile Account Access, • Travel BUILDING OR Autopay, Free Credit Score4 • Cash Back REBUILDING 5 CREDIT Access to credit Enjoy while helping ® • Online Account Access Visa The Convenience Of A Credit Card you build • Account Alerts Secured Card • While working to build or improve your credit a positive • Automatic Bill Pay credit history • Free Credit Score4 PGC764 VA 12/2020 Charts represent example spend/earn. -
PUBLIC SECTION BNP Paribas 165(D)
PUBLIC SECTION OCTOBER 1, 2014 PUBLIC SECTION BNP Paribas 165(d) Resolution Plan Bank of the West IDI Resolution Plan This document contains forward-looking statements. BNPP may also make forward-looking statements in its audited annual financial statements, in its interim financial statements, in press releases and in other written materials and in oral statements made by its officers, directors or employees to third parties. Statements that are not historical facts, including statements about BNPP’s beliefs and expectations, are forward-looking statements. These statements are based on current plans, estimates and projections, and therefore undue reliance should not be placed on them. Forward-looking statements speak only as of the date they are made, and BNPP undertakes no obligation to update publicly any of them in light of new information or future events. CTOBER O 1, 2014 PUBLIC SECTION TABLE OF CONTENTS 1. Introduction ........................................................................................................................4 1.1 Overview of BNP Paribas ....................................................................................... 4 1.1.1 Retail Banking ....................................................................................... 5 1.1.2 Corporate and Investment Banking ....................................................... 5 1.1.3 Investment Solutions ............................................................................. 6 1.2 Overview of BNPP’s US Presence ........................................................................ -
BNP Paribas Resolution Plan Public Section
165(d) RESOLUTION PLAN BNP Paribas Resolution Plan Public Section 1 165(d) RESOLUTION PLAN Forward Looking Statements This document contains forward-looking statements. BNP Paribas may also make forward-looking statements in its audited annual financial statements, in its interim financial statements, in press releases and in other written materials and in oral statements made by its officers, directors or employees to third parties. Statements that are not historical facts, including statements about BNP Paribas' beliefs and expectations, are forward-looking statements. These statements are based on current plans, estimates and projections, and therefore undue reliance should not be placed on them. Forward-looking statements speak only as of the date they are made, and BNP Paribas undertakes no obligation to update publicly any of them in light of new information or future events. 2 165(d) RESOLUTION PLAN Table of Contents 1. Executive Summary......................................................................................................................... 5 2. Overview of BNP Paribas ................................................................................................................ 6 2.1. Global Retail Banking ................................................................................................................... 6 2.2. Global Corporate and Institutional Banking .................................................................................. 6 2.3. U.S. Operations ........................................................................................................................... -
Connect Integration Guide
Connect Integration Guide Version 2017-6 (IPG) © 2017 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Integration Guide Connect Version 2017-6 (IPG) Contents 1. Introduction 3 2. Payment process options 3 2.1 Checkout option ‗classic‘ 3 2.2 Checkout option ‗combinedpage‘ 4 3. Getting Started 4 3.1 Checklist 4 3.2 ASP Example 4 3.3 PHP Example 5 3.4 Amounts for test transactions 6 4. Mandatory Fields 6 5. Optional Form Fields 8 6. Using your own forms to capture the data 11 6.1 payonly Mode 11 6.2 payplus Mode 12 6.3 fullpay Mode 12 6.4 Validity checks 13 7. Additional Custom Fields 13 8. 3D Secure 14 8.1 3DSecure Split Authentication 14 9. MCC 6012 Mandate in UK 15 10. Data Vault 16 11. Solvency Information from Bürgel 16 12. Recurring Payments 17 13. Global Choice™ and Dynamic Pricing 17 14. Purchasing Cards 19 15. Transaction Response 20 15.1 Response to your Success/Failure URLs 20 15.2 Server-to-Server Notification 22 Appendix I – How to generate a SHA-256 Hash or Extended Hash 23 Appendix II – ipg-util.asp 25 Appendix III – ipg-util.php 26 Appendix IV – PayPal 27 Appendix V – Klarna Payment Methods 28 Appendix VI – MasterPass 32 Appendix VII – Fraud Detect 34 Getting Support There are different manuals available for First Data‘s eCommerce solutions. This Integration Guide will be the most helpful for integrating the Connect solution for usage with our distribution channels in Europe, Asia, Australia, Latin America and Africa. -
Citadel Choice Mastercard® Agreements & Disclosures
Citadel Choice MasterCard® Agreements & Disclosures M-111765 Interest Rates and Interest Charges Annual Percentage Rate (APR) for Your APR will be 7.49-17.99% based upon your creditworthiness. The APR will vary Purchases with the market based on the Prime Rate. APR for Balance Transfers and for Cash Your APR will be 7.49-17.99% based upon your creditworthiness. The APR will vary Advances with the market based on the Prime Rate. How to Avoid Paying Interest Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest is charged on cash advances and balance transfers from the date the advance is made. For Credit Card Tips From The To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard Fees Transaction Fees Cash Advance Fee 3% of amount advanced ($10 minimum, $100 maximum) Foreign Transaction Fee 1.1% of transaction amount in U.S. dollars. Penalty Fees Late Fee $25.00 Returned Check Fee $25.00 How We Will Calculate Your Balance: We use a method called the “Average Daily Balance (including new purchases).” Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. The information about the costs of the card described is accurate as of 01/17. This information may have changed after that date. -
American Express® Credit Card Cardmember Agreement
AMERICAN EXPRESS® CREDIT CARD CARDMEMBER AGREEMENT IMPORTANT: Before you use the enclosed American Express Credit Card, please read these Terms and Conditions carefully and thoroughly. If you keep or use the American Express Credit Card, you will be deemed to have unconditionally agreed to these Terms and Conditions and they will govern your use of the American Express Credit Card. If you do not wish to accept these Terms and Conditions, please cut the American Express Credit Card in half and return the pieces to us immediately to the address mentioned on the last page of this document. 1. DEFINITIONS: In these Terms and Conditions, the following words shall have the respective meanings set out hereunder unless the context otherwise requires: “Account” means any American Express Credit Card Account maintained by us under these Terms and Conditions. “Available Credit Limit” means the credit limit allocated by American Express to Cardmember’s Account inclusive of all Supplementary Cards less previous balances less all new Charges. “Basic Credit Cardmember” means the individual in whose name the Account is maintained. “Cash Advances” means any cash advance obtained by use of a Credit Card, PIN or otherwise authorised by you for debit to the Account. “Charge” means a transaction made or Charged with the Credit Card, whether or not a Record of Charge form is signed, and also includes Cash Advances, Express Cash transactions, drafts made from the Account, Balance Transfers and fees thereon, interest, taxes as may be applicable and all other amounts you have agreed to pay us or have agreed to be liable for under these Terms and Conditions. -
Diners Application 2020
Corporate Card Program Forward Completed Applications to Cardmember Application Kathryn Wright Credit Card Administrator Club Rewards®/Club Cash® Enrollment Individual Billing OJN 320 Fax:905-572-1015 [email protected] *Application cannot be processed without this required information. DINERS CLUB® CORPORATE CARD ENROLLMENT (EMPLOYEE INFORMATION) (PLEASE ALLOW 21 CHARACTERS FOR FIRST, MIDDLE AND LAST NAME ONLY) TITLE *FIRST NAME ____ MIDDLE_____*LAST___________________________________________________________ *HOME STREET ADDRESS (no P.O. Box) _______________________________________________*Home/Cell Telephone_______________________________________ HOME STREET ADDRESS (no P.O. Box) CITY PROVINCE POSTAL CODE *Campus Location *BUSINESS TELEPHONE (____) _____________________Ext ____________________*Password for security purposes Maximum length for password is 15 alphanumeric characters *DATE OF BIRTH DD MM YYYY *E-MAIL ADDRESS ______________________________________________ If you provide an e-mail address, we may use it to contact you about your account Language Preference English French CLUB CASH® ENROLLMENT (Automatic) PARTICIPATION AND APPROVAL BY THE ORGANIZATION IS REQUIRED BEFORE ENROLLMENT. At the request of your Organization, you may enroll in the Club Cash program. With Club Cash access, cash for business expenses is as close as the nearest Automated Teller Machine (ATM). All you need is your Diners Club Corporate Card and your Personal Identification Number (PIN) to access cash at Interac® ATMs in Canada and Cirrus® ATMs worldwide, 24 hours a day, seven days a week. By checking this box, I ask to be enrolled in the Club Cash program. Bank of Montreal will choose your PIN and mail it to you. Upon receipt of your assigned PIN, if you would prefer to replace it with a PIN of your choice, you may do so at any BMO Bank of Montreal Automated Teller Machine (ATM). -
Diners Club Business/Corporate Card Terms and Conditions
Diners Club Business/Corporate Card Terms and Conditions Effective 1 June 2020 ImportantImportant These terms and conditions apply to the Diners Club Business Card and the Diners Club Corporate Card. Please read these terms and conditions carefully before using your Diners Club Card. We recommend that you keep this booklet for future reference. If you misplace this booklet or do not understand any part of it, please contact Diners Club Customer Service on 1300 360 180. 2 Contents Diners Club Business/Corporate Card Terms and Conditions 5 1 Definitions 5 2 Accepting these Terms and Conditions 8 3 Using the Diners Club Card 8 3.1 Signing Diners Club Card 8 3.2 Where the Cardholder can use Diners Club Card 8 3.3 Restrictions on the use of Diners Club Card 9 3.4 Making payments to the Account 10 3.5 Initiating charges to the Account 10 3.6 Using Diners Club Card overseas 10 3.7 Merchant Type Blocking 11 3.8 Control Limits 12 4 Liability for amounts charged 13 5 Statements 14 6 Payments 16 7 Liquidated Damages 16 8 Lost, stolen or fraudulently misused 18 9 Enforcement expenses 19 10 Payments 19 10.1 Allocation of payments 19 10.2 Payment currency 19 11 Dispute resolution 19 12 Fees and taxes 21 13 Cash Advance 22 13.1 Access 22 13.2 Transaction Limits 22 13.3 Fees and Charges 23 14. Account Security Guidelines 23 14.1 Diners Club Card and Code Security Guidelines 23 14.2 Things you must tell Diners Club 25 3 15 Cancellation 25 15.1 Cancellation by Diners Club 25 15.2 Cancellation by the Cardholder 25 15.3 Cancellation by the Organisation 26 -
FDIC 06-097E
FEDERAL DEPOSIT INSURANCE CORPORATION WASHINGTON, D. C. ___________________________________ ) In the Matter of ) ) ORDER OF PROHIBITION KEVIN J. DAVIS, individually, ) FROM and as an institution-affiliated ) FURTHER PARTICIPATION party of ) ) BANK OF THE WEST ) FDIC-06-097e SAN FRANCISCO, CALIFORNIA ) ) (INSURED STATE NONMEMBER BANK) ) ) KEVIN J. DAVIS ("Respondent")has been advised of the right to receive a NOTICE OF INTENTION TO PROHIBIT FROM FURTHER PARTICIPATION ("NOTICE") issued by the Federal Deposit Insurance Corporation ("FDIC") detailing the violations, unsafe or unsound banking practices and/or breaches of fiduciary duty for which an ORDER OF PROHIBITION FROM FURTHER PARTICIPATION ("ORDER") may issue, and has been further advised of the right to a hearing on the alleged charges under Section 8(e) of the Federal Deposit Insurance Act ("Act"), 12 U.S.C. § 1818(e), and the FDIC's Rules of Practice and Procedure, 12 C.F.R. Part 308. Having waived those rights, the Respondent entered into a STIPULATION AND CONSENT TO THE ISSUANCE OF AN ORDER OF PROHIBITION FROM FURTHER PARTICIPATION ("CONSENT AGREEMENT") with a representative of the - 2 - Legal Division of the FDIC, whereby solely for the purpose of this proceeding and without admitting or denying any violations, unsafe or unsound banking practices and/or any breaches of fiduciary duty, Respondent consented to the issuance of an ORDER by the FDIC. The FDIC considered the matter and determined it had reason to believe that: (a) The Respondent has engaged or participated in violations, -
Merchant Transactions Through Debit Cards – Costs and Prices
http://dspace.library.iitb.ac.in/jspui/handle/100/25218 IIT Bombay Technical Report (September 2020) Merchant transactions through debit cards – costs and prices Ashish Das Department of Mathematics Indian Institute of Technology Bombay Mumbai-400076, India Indian Institute of Technology Bombay Powai, Mumbai-400 076, India Merchant transactions through debit cards Merchant transactions through debit cards Merchant transactions through debit cards – costs and prices* Ashish Das Department of Mathematics, Indian Institute of Technology Bombay, Mumbai 400076 September 22, 2020 Executive Summary 1. To promote small ticket debit card merchant transactions up to Rs 2000, the government during the calendar years 2018 and 2019 made merchant discount rate (MDR) zero for the merchants, and provided banks a monetary support, towards MDR, @ 0.4%. In contrast, effective January 1, 2020, the government made MDR zero for every transaction using RuPay debit cards alone. Neither merchants nor the government paid the banks any MDR for such merchant transactions. However, banks were allowed to impose MDR onto the merchants for every transaction using mastercard/VISA debit cards. The cost to merchants 2. For the period January-July 2020, with about Rs 3.3 lakh crore1 worth of debit card merchant transactions, the government has done away with the merchant’s zero MDR regime on ticket sizes up to Rs 2000, for transactions that were done through mastercard/VISA debit cards. A simple projection implies that merchants would be burdened in the calendar year 2020 in the range of Rs 1000 crore to Rs 2300 crore depending upon the MDR ranging between 0.4% and 0.9% for mastercard/VISA’s sub Rs 2000 ticket transactions, as against nil burden in calendar years 2018 and 2019.