GPO Box 3433, Sydney NSW 2001. Business Choice and Business Debit: 1300 650 107; or if outside Australia +61 2 9155 7700. For debit card refunds (where selecting credit, contactless payment or online/phone purchase), the. Find out tips on how to reduce the risk of fraud and keep your credit card safe when shopping online. A pending transaction can be released or reversed at any time if the merchant submits a request to the Bank. Search Statements in the Smart Search bar. Disputing a transaction. Cost of living support. Westpac Worldwide Wallet Product Disclosure Statement (PDF 307KB) Online Banking Terms and Conditions (PDF 355KB) You should read the Westpac Worldwide Wallet Product Disclosure Statement, Online Banking Terms and Conditions, and Westpac Retail and Business Banking Financial Services Guide before making a. Some possible reasons for why the transaction is declining even though the mobile card still appears in the Google Pay app include: You don’t have an internet connection and a new Token Key is required; Your Near Field Communications (NFC) is switched off on your mobile device. 5% Debit Mastercard Load fee. What's a BSB number?The Westpac Group intends to meet all legal obligations under FATCA in accordance with relevant laws. Westpac's panicked response to its money-laundering scandal looks ill-considered. If the operation is not complete, you should wait until it is finished first. Westpac has banned customers from transacting with Binance, on the same day as the controversial cryptocurrency exchange was stripped of its ability to accept PayID. You can call us to report your card lost or stolen (24 hours a day, 7 days a week): Altitude Business: 132 142; or if outside Australia +61 2 9155 7700. Fraudulent transaction vs dispute with a seller. How to cancel a disputed Transaction. Option 4. Red helps you navigate Online Banking or the Westpac App. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600. When choosing a business credit card it's important to consider which liability structure is best for you and your business. The contact details for AFCA are set out below. Useful contacts . Dispute a transaction . Related Members has the meaning of ‘related body corporate’ as that term is defined in the Australian Corporations Act 2001 (Cth). DECLINED CANNOT PAY. Find out how. What to do if there is a fraudulent transaction; Card replacement after a fraudulent transaction; Card transaction issues and chargeback rights;. The international daily limit for electronic cash withdrawals is A$1000 which applies to both. There are two ways to access Merchant Services from a desktop: Go to Business Hub and select Merchant and Payments. Separately, an account number is required to perform the international money transfer. You may be asked to provide a SWIFT Code if you’re receiving money into your account from overseas. Only available at Westpac ATMs in Australia. Tell the customer to contact their card issuer. 4oreign transactions. get a credit for the transaction If you dispute any transaction recorded in your monthly statement, you must notify us in writing within 30 days of the statement period closing date, giving the following information: • the relevant card number and the name on the card; • the amount and nature of the disputed transaction, attachingYou can upload a file by dragging and dropping the file into your personal workspace (i. 1. . My Westpac Protect SMS code looks different to what I expected. You may be asked to provide a SWIFT Code if you’re receiving money into your account from overseas. Enter your Customer ID and Date of birth and tap Next. westpac. You can continue to use the same PIN from your existing card on the new card. 0 What to do if you have a problem or dispute Our service approach. For any disputes in connection with a matter arising under these BPAY Terms and Conditions, please promptly notify us and we will attempt to resolve your dispute through our dispute resolution process. However, there is a fee of 2. As part of the claims. Go to Approvals > Other Tasks and approve the request. If the customer didn’t get what they paid for, they’re required to contact the merchant before disputing. Australian Financial Complaints Authority. 6. Delete the fake email from your inbox, sent and trash folder. George Wide Wallet is an prepaid travel money joker that canned help you save on foreign transaction fees and give you control over your spending. Some branches now open weekends. Choose from retail gift cards, cashback, a range of partner airlines, our own online store or our unique ‘Pay by Points’ feature. An Electronic Chargeback (eChargeback) is the electronic submission of chargeback notifications to the merchant. Jan 18, 2023If you can’t resolve the issue with the merchant, dispute it in Online Banking or the Westpac App. If you still don’t recognise the transaction or can't resolve the issue with the merchant, dispute the transaction in Online Banking or the Westpac App. It will be a scammer. In the Westpac App Tap the transaction to look up the merchant Tap Dispute transaction If no merchant information is available, tap Options Complete the details Can I contact Westpac by email? Contact Us via Email Whether you have an enquiry, wish to provide us feedback or want to make a complaint, we're able to help via email. Contact us in the Westpac App to skip the security questions and talk to the right person. Some branches now open weekends. Visit your local branch. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Unlike refunds, chargebacks come with additional fees for the merchant and increase a merchant's chargeback ratio. Available for Westpac Australia customers. Even for ATMs in the lobby of a bank branch, onsite. . If. The payment procedure for card payments is simple. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. Some branches now open weekends. If this action has no solved the disputed transaction in Westpac, you can contact the bank in Internet banking or the mobile app. The process for fraud related chargebacks is slightly different to the typical chargeback process. You can also lodge a query with their Chatbot . A chargeback is like a refund - it reverses a transaction made on a debit or credit card. Please allow 2 calendar days from expected delivery date before submitting a dispute in case there was an unexpected problem with delivery. At its simplest fraud occurs when someone obtains your credit card details and uses them over the phone or on the Internet to make purchases in your name. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Branch opening hours. 9:30am - 5pm, Fri. Internet connection is needed to access Westpac App. [6] Telegraphic Transfer received by you [4] per transfer $15 to a Westpac account [5] $15 to a non-Westpac account [5] $15 to a non-Westpac account. You acknowledge that any financial transactions processed through the Payment Services under this Westpac Addendum will be settled by Westpac exclusively with Stripe. Most suitable if you need: An integrated business product designed to meet your cash flowBoullioun contends its purpose on appeal is not to challenge the post-petition loan transaction itself (Boullioun concedes it accepted its $1. Chargeback is a term used by credit and debit card providers. Things you should know. We’re always working on improving our digital features to bring you faster and easier ways to bank online; whether it’s on your computer, mobile or tablet. The first step in. Visit your local branch. There’s every chance this is a scam email (a practice known as ‘phishing’), given you’re not a Westpac customer. Option 3. DECLINED CANNOT PAY. The payment procedure for card payments is simple. g. If your card is lost or stolen, you can let us know at any time, from anywhere in the world. 9:30am - 5pm, Fri. Here's a guide to help you understand what to do next. Digital Card Westpac. User. The merchant is then obligated to provide evidence that the service is provided. Your card or the transaction account has insufficient funds or limit for the transaction. Think card activation, locking and unlocking, changing your PIN and more – all in just a few taps. com;. 1. In the Westpac App. 2. (in your transaction history in Online Banking and the Westpac App) the Applicable Exchange Rates once the transaction is completed. Find out more. Trey discovered the transactions the next morning and called the bank immediately, explaining he had been drugged and beaten up and had just come to. Minimising fees and charges. - ACCC v Visa Inc. 9:30am - 5pm, Fri. 1Westpac Online BankingBranch opening hours. Card payments occur in real-time: the transaction is made between Westpac and the payer's. Contact the bank as soon as you can. When sending money to the countries listed below, you will need to select a "Reason for payment" from the list available for each country. If you find a transaction that doesn’t look right, you can lodge a dispute within 30 days of the transaction taking place #. In this case, the money you paid is refunded back to you temporarily, at which point your card issuer will. Tap Forgot customer ID or password on the sign in screen. If you have lost your card or suspect a pending transaction is fraudulent, you can cancel or temporarily lock your card using Online Banking, or by calling us on 1300 651 089 from anywhere in Australia or +61 2 9155 7700 if you are calling from overseas. 2. If an ATM fails to give you money, report the problem as soon as possible by immediately contacting your bank or credit union. To make sure you're always connected to Westpac Online Banking, and not a fraudulent website, follow these 6 important steps: Type our address, westpac. Answers to our most frequently asked questions on topics including, online banking, mobile banking, credit cards, financial hardship, security, transferring funds and travelling overseas. g. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. Dividend Westpac. Security tips. Online Banking frequently asked questions. Raise a dispute to investigate the charge. While the credit card refund is pending the amount does not alter your account balance. If the customer didn’t get what they paid for, they’re required to contact the merchant before disputing. As part of the eChargebacks process, an issuing bank may request more information (make a retrieval request) from Westpac about a disputed transaction, and then raise a chargeback. . Needing to update who is a signatory to your business account. Osko by BPAY TM is a near real-time payment. 7 DCF 01/16 Page 5 of 5 I have included a listing of all fraudulent transactions and/or a statement copy, with the disputed transactions circled. 1. Or if outside Australia + 61 2 9155 7700 (outside Australia) Our Fraud Detection Team advises you on unusual activity on your card and asks if the charges are yours. Westpac Cardless Cash - Terms and Conditions (PDF 409KB) There is a Cardless Cash limit of 3 Cardless transactions per day, subject to a daily withdrawal limit of $500 and a weekly withdrawal limit of $1,000. This may process the transaction using Electronic Fallback (EFB) (if applicable) 1. Your card or the transaction account has insufficient funds or. 1. Additional fee charged by Westpac in lieu of our correspondent bank deducting a fee. Online: Email: info@afca. Merchant Name Transaction Reference Number Amount Currency / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ / / $ Note: If further transactions are to be disputed, please attach a second document with continued list. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing?Branch opening hours. 9:30am - 5pm, Fri. If you suspect the transaction could be credit card fraud, call our Card Services team on 0800 888 111, 24 hours, 7 days a week, or from overseas call +64 9 912 8000. Save. The transaction needs to be fully processed. While a transaction is pending, the amount is deducted from your available funds, not your account balance. Some branches now open weekends. Some branches now open weekends. Keeping your data safe. . If you find transaction that does not look correct, please lodge a dispute. Visit your local branch. Step 1: Write to the Bank. But Westpac had the smallest number of ombudsman complaints out of the big 4 banks in. If you wish to continue the dispute, we’ll require you to provide a written reply (email or mail) to the documentation we sent to you. 11. You may also be able to take your complaint the free, independent external dispute resolution schemes, the Australian Financial Complaints Authority (AFCA). How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. In simple terms, a chargeback is where money paid to a retailer for an item is reversed out of its account and refunded to yours. Westpac MasterCard Gift Card: customer statement of disputed transaction Please tick only one item below and print all information. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the. Click on your transaction. Activate a CommBank card. All branches are open: 9:30am - 4pm, Mon - Thurs. How to dispute a transaction. Westpac Get Paid on-the-go or Westpac Get Paid in-store technical support. Osko payments and payments to PayIDs can only be made through Westpac Online Banking. How to send your form and supporting information. Peter was appointed Westpac Group Chief Executive Officer in April 2020, after holding the role on an acting basis between December 2019 and March 2020. A page in Westpac Online Banking doesn’t look right, looks or. Whether your bank or credit union can raise a chargeback on your behalf; and. They are likely to request your personal or banking information. Option 2: Contact us on. mail: write to: Level 3, 136 Customs Street West, Auckland 1010. Access your transaction and savings accounts to withdraw foreign currency at any overseas ATM that displays the Cirrus logo, although a foreign-currency transaction fee will apply, incorporated into your total transaction amount in Australian dollars. not stop payment of a transaction made using a card. The corporate watchdog ASIC is suing the big four bank in the Federal Court, alleging it breached credit laws by failing to respond to hundreds of people in the legally required time frame. . Please make sure to keep this in mind when checking transactions in your account’s activity history. To cancel your card please call us on 0800 888 111 weekdays between 7am and 8pm and 8am to 5pm on weekends and public holidays or +64 9 914 8026 from overseas. Choose the account on which the direct debit will appear. 1. Go to Overview. Fraud, disputes and lost or stolen business cards. If you receive a status code starting with 'Q' that you do not understand, you should contact your. Select Transaction searchI don't identify a direct debit transaction. The first step in. From anywhere in Australia 8am – 8pm Sydney Time, 7 days a week, except Public Holidays. In Online Banking. The balance and available funds will only be updated once the refund is finalised and processed by the merchant. 1. What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. Westpac: 1300 651 089 +61 2 9374 7237: Your Credit Union: 1800 621 199: N/A: Promoted. If you think you have spotted an unauthorised transaction on your card, call our cards team on 0800 888 111 immediately. If the transaction is still declined: Ask for another form of payment. The issuing bank of the card used has control over what details are needed to. your bank or Amex) to the merchant via their bank. Successful card transactions will generally have a response code of 00 - Approved or completed successfully or 08 - Honour with Identification. The alleged conduct occurred over many years and affected many thousands of. Financial institutions around the world have always been subject to attempts by criminals to try and defraud money from the institution and their customers. Then there is eftpos, which is the debit card payment system that takes funds directly from a customer’s cheque or savings. Westpac aims to compensate most of the affected customers by the end of 2021. Please also ensure the payer has your full 12-digit account number. More information: How we protect you. Westpac provides the Westpac Added Online Security Service to our customers. stop you being liable for some types of transactions (see Clause 8)). When you request a refund for a purchase made using a credit or debit card (selecting credit, contactless payment or online/phone purchase) the bank, upon receiving the refund request, may display the refund as pending. If the transaction is still declined: Ask for another form of payment. If it’s none of the above, we can help you dispute a transaction. g. An address, phone number, and website, if available. Westpac is looking to a finance-specific large language model (LLM) to cushion its entry into experimenting with generative AI, seeing it as “more accurate, safer, and intuitive” than ChatGPT. Branch opening hours. 5 March 2023. Visit your local branch. The Administrator can change the number of approvals required to create a PayID: Go to Administration > Features and approvals. Alternatively, we’re always happy to chat if you call us on 1300 747 747. If you have lost your card or suspect a pending transaction is fraudulent, you can cancel or temporarily lock your card using Online Banking, or by calling us on 1300 651 089 from anywhere in Australia or +61 2 9155 7700 if you are calling from overseas. Published 30 November 2021. Features Westpac Business One Westpac Business One Plus Westpac Business One – Negotiator Plan. Your Bank. Have ready two forms of ID from the following: If you're Aboriginal and Torres Strait Islander and you don't have any of the required forms of identification, please call our Indigenous Call Centre on 1800 230 144 Monday to Friday 9am – 6:30pm CST or visit your nearest branch . The payment procedure for card payments is simple. This may process the transaction using Electronic Fallback (EFB) (if applicable) 1. 9:30am - 5pm, Fri. Our Head of Operations and Contact Centres Jason Lock tells the The AM Show. A dispute is when a cardholder asks their bank for a chargeback on a transaction, claiming that they either didn't authorize the transaction or didn’t get what they paid for. s status. Westpac (Bank): 1. Option 1: Within your Westpac Internet / Mobile banking, you may lodge a dispute by clicking on the transaction you are wanting to dispute, then selecting the ‘Dispute transaction’ button. Handycards are available to customers aged 12 years and. They may be able to issue a refund or correct the mistake on the spot. Lock or Unlock your card. A dispute is when a cardholder asks their bank for a chargeback on a transaction, claiming that they either didn't authorize the transaction or didn’t get what they paid for. Select ‘Electronic transaction dispute’ and fill out your request. However, Westpac's fine per breach ($56. If you need to chat to us, you can do this through Red Monday to Friday 7am – 9pm and Saturday & Sunday 8am – 6pm. 3 billion in penalties for admitted breaches of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act) in a proposed settlement with the Australian Transaction Reports and Analysis Centre (AUSTRAC). Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions. Contact ShopBack for assistance with any enquiries relating to your ShopBack account, transactions, Cashback or Bonus Cashback. 9:30am - 5pm, Fri. If you think you have spotted an unauthorised transaction on your card, call our cards team on 0800 888 111 immediately. However, there is a fee of 2. If your dispute fits into the following criteria, please complete the form below and we will aim to contact you by phone or email within 10 working days to acknowledge your dispute: My disputed transaction occurred on a Westpac debit or credit Mastercard (if your transaction occurred on a Westpac EFTPOS or Prepaid card, please call us on 0800. 1. auTo dispute a transaction in NAB, you should: for online and EFTPOS transactions log in to the mobile app or online banking, choose the transaction and press "Something not right?", follow the prompts. On 24 September 2020, Westpac Banking Corporation (Westpac) agreed to pay AU$1. Some branches now open weekends. Verified account Protected Tweets @; Suggested usersAsk the customer to insert or swipe their card. 95% of the initial transaction value when the currency conversion is initially locked in, as well as a 1. Download the disputes form below and submit a completed form for resolution via the link below. 2. ASIC has commenced six civil penalty proceedings against Westpac in the Federal Court. Westpac outages reported in the last 24 hours. Allow a customer to enter their card details manually. Established in 1817 as the Bank of New South Wales, it acquired the Commercial Bank of Australia in 1981 before being renamed to Westpac Banking. Talk to your relationship manager. If this action has no. Keeping your data safe. com. 6. The Westpac Global Currency Card is an unsecured debt security issued by EML Payment Solutions Limited (“EML”), arranged by Mastercard Prepaid Management. 7bn; $0. How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. Your available funds will remain unchanged. Or an issuing bank may raise a chargeback directly (without making a retrieval request first). How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. If the transaction involved a merchant, it's also a good idea to contact the merchant and dispute the purchase. Tap Statements (incl. Keep data secure. Unfortunately, Westpac’s response took longer than expected and he didn’t get the result he was hoping for. Pending transactions frequently asked questions. You can also search for transactions for up to 5 accounts using Smart Search. Tap Change number and follow the prompts. The merchant is then obligated to provide evidence that the service is provided. You may be able to regain access to your account by repaying the amount owed (more info on that below). You are not registered for Online Banking, and you do not have an active Westpac Protect. 2. Tap Pay someone . How do I dispute a card transaction in Westpac Online and Mobile Banking? My loved one has recently passed away. For debit card transactions made when the customer selects CHQ or SAV, the transaction amount will be deducted from both the account’s. How AFCA investigates chargeback complaints. The role your bank or credit union plays in the chargeback process. 1 million) in an. com. 4. Since joining Westpac in 1994, Peter has held senior finance roles including Chief Financial Officer with responsibility for Westpac’s Finance, Group Audit, Tax. A mistaken transaction is when when you pay the wrong person or company by using the wrong bank details. If you have bought the goods on your debit card and linked it to Paypal, you. Be careful handing over or shipping goods such as electrical goods, jewellery and computers. If you still don’t recognise the transaction or can't resolve the issue with the merchant, dispute the. Please complete and return this form to us within 30 days of initial notification of your dispute (as timeframes may affect the outcome of your claim). When you use your Worldwide Wallet to pay for something, the bank will authorise the payment and immediately deduct that amount from your available funds. com. How do I get a Westpac Handycard? A Westpac Handycard is available to customers aged 12 years. If you had an eligible Westpac account at the time of closure, your remaining funds were transferred by the end of July 2021. The fast and secure way to talk to us. You can dispute transactions that you haven't authorised by contacting us within 30 days of the date of the statement. In the Westpac App. Westpac foreign currency account $25 our charge option. Provide relevant documentation as requested (e. Here's a guide to help you understand what to do next. 7 in loan proceeds) but to enforce its nonmonetary rights under 11 U. From overseas. To access cardless cash on your mobile you must be registered to use Westpac Online. In the Westpac App. 2. Select CSV as the file type, then select File contains payment information. Please select the reason that best matches the purpose of your money transfer and include any relevant details in the free-text description box. Westpac Disputed Transactions. The balance and available funds will only be updated once the refund is finalised and processed by the merchant. The text advises you to confirm your mobile device by clicking. S. We’re working to restore it. Delete a bank transaction. We offer various liability structures to meet your individual business needs, including personal, joint and several and business liability. The contact details for AFCA are set out below. You should receive your replacement card within 5-7 business days if you’re in Australia or up to 5-10 business days if you’re overseas. A merchant no longer receives paper. The fallout from Westpac’s 23 million alleged breaches of anti-money-laundering laws has plunged the bank into crisis and rocked the financial sector. All branches are open: 9:30am - 4pm, Mon - Thurs. While unauthorised transactions are also dealt with under the ePayments Code, the process for resolving this issue is different. Find out more about card transaction disputes at BOQ. When you request a refund for a purchase made using a credit or debit card (selecting credit, contactless payment or online. If. . Tap Pay to complete the payment . Select a payee or Create a new payee. Australia's Westpac bank has negotiated to pay a record A$1. Enter a Description (optional) and tap Pay . Find out how. You can use your Handycard to purchase goods or services from merchants, withdraw cash from ATMs, and withdraw. Benefits. If you're unable to print out the form, give us a call. Select the From account. There are limited circumstances under which we can reverse a transaction which will be subject to the rules of the relevant credit card company, for example we cannot reverse a transaction where there is a dispute with a merchant about the quality of goods and services. 1 for details on how to dispute a transaction. Imran Bande Ali Transaction dispute officer, Westpac New Zealand Waitakere, Auckland, New Zealand. Some branches now open weekends. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141. Some branches now open weekends. A toolbar now appears above the list. The contact details for AFCA are set out below. In the Westpac App. Pay with your mobileTo combat potential fraud, Riot has a few rules in regards to how it deals with chargebacks: Your Riot Account will be suspended once a chargeback occurs. This authorised amount is held and may appear as a pending refund for up to 5 days while the merchant finalises the refund. com. Unauthorized credit card transaction. If you’re ever concerned you’ve been given. 95% of the initial transaction value when the currency conversion is initially locked in, as well as a 1. Tap the Statement date period you want to view. 8am-6pm, Mon - Fri (Sydney time) From overseas. If you suspect the transaction could be credit card fraud, call our Card Services team on 0800 888 111, 24 hours, 7 days a week, or from overseas call +64 9 912 8000 (international toll charges apply). Manually key a transaction if you have the customer’s card. Banks like Westpac suggest that when the name of the merchant does not look familiar,. Our scams team will require your case number to provide an update. Make a transfer or payment frequently asked questions. your bank or Amex) to the merchant via their bank. What is the exchange rate used by Westpac for foreign transactions? Westpac provides a foreign exchange converter that can be used to have an indicative rate idea. If you don’t recognise a transaction, please contact the Worldwide Wallet team immediately on 1300 797 470 in Australia or +61 2 9155 7744 when. Search by name, date or amount. paypal then get upset and try and steal the money from my bank account but that transaction gets denied because my paypal bank account is always at 0 balance. Cancel your card. Visa, Mastercard, American Express and Interac have committed to protect you. Please note that after 8pm on weekdays and 5pm on. . What do I do now? What if there is no will? Should I close the accounts of the deceased? I have power of attorney over the deceased’s accounts, does this still stand after their passing? When will I need probate or letters of. Westpac Online Banking or the. A Westpac Handycard is an eftpos Debit card linked to selected Westpac transaction accounts. 2. Tap ‘Cancel a direct debit’. If you believe your credit card may have been used fraudulently, please contact us immediately on 1300 651 089. In the Accounts section, ensure the Manage PayIDs option is ticked. Use the dropdown box next to a Merchant Member Number (MMN)1 on the Overview screen and select View all merchant services to view Transaction and Settlement listings or View statements. To speak to someone from our team at Westpac Assist, call 1800 067 497. These may change or we may introduce new ones in the future. 3bn (£0. Block your credit card or debit card if it’s lost or stolen. 68 million. Use all reasonable methods to resolve disputes with your customers, including those resulting in a chargeback, and not attempt to recharge a customer for the. The external dispute resolution service will not charge a fee to any complainant to investigate or resolve a complaint. Your credit card agreement must explain your maximum liability if your card is used without your permission. Please quote your dispute reference number if you have it handy, or your Customer Access Number (CAN). com. The Australian Financial Complaints Authority ( AFCA) is not part of Westpac. The allegations are outlined in a statement of claim that the financial intelligence agency, Austrac, has lodged in the Federal Court. What is a pending transaction? When you make a purchase using a credit or debit card (selecting credit, contactless payment or online/phone purchase) the bank will authorise the payment and immediately deduct that amount from your available funds. To provide your. The cardholder contacts their bank and provides the transaction details. Check balances, pay your bills and make transfers on the go 24/7. (46) Corporate Credit Card Administrator will send the cardholder either the Westpac "Dispute Transaction" form or a "Fraud Claim" form for completion - depending on the issue. Tap the magnifying glass icon.