The following Card Terms and Conditions (T&C) clauses have been amended for the following products:

American Express Personal Credit Cards, clause 2, 6, 15 & 22
American Express Personal Charge Cards, clause 2, 6, 15 & 22
Nedbank SAA Voyager Credit Card, clause 2, 6, 16 & 23
Nedbank Greenbacks Credit Card, clause 2, 6, 15 & 22
Nedbank Small Business Cards, clause 2, 6, 15 & 22
American Express Business Cards, clause 2, 6, 13 & 20
American Express Corporate Cards, clause 2, 6, 13 & 20
American Express
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Merchants
PROCESS A TRANSACTION
Six easy steps for every transaction

Follow these simple guidelines to process the American Express® Card charges and credits electronically or manually.

  1. Verify that the person presenting the Card is the Cardmember
    The American Express® Card is not transferable, even among family members. The Card can only be used by the person whose name is embossed on the front of the Card
  2. Compare signatures
    Verify that the Cardmember's signature on the Record of Charge or Credit Record matches the signature on the back of the Card. Make sure that it is the same name as that embossed on the front of the Card
  3. Check the Card's expiry dates
    Make sure the date of the charge falls within the two dates embossed on the Card. If the Card is invalid, call Authorisations Department on (011) 710-4808 or 0860 321 555.
  4. Swipe the Card or take an imprint
    If you process charges electronically, swipe the Card through the slot in your POS device. If the magnetic strip on the back of the Card is unreadable, call Authorisations on (011) 710-4808 or 0860 321 555 and proceed with processing the transaction on a paper voucher once you have obtained an authorisation code. If you process on paper, take an imprint of the Card. Verify that the account number embossed on the front of the Card matches the number printed on the receipt or displayed on your terminal and insert the authorisation code in the designated slot on the voucher.
  5. Obtain and Submit an Authorisation Approval Code
    You must obtain and submit an authorisation approval code when a charge or series of charges on any Card during any one day exceeds the floor limit, as well as for every mail order, telephone order, or Internet transaction regardless of amount. Failure to obtain an approval code could result in a chargeback. You must not attempt to circumvent authorisation procedure by submitting two or more charges for a single transaction.
  6. Return the Card and the Cardmember's copy of the voucher, POS device l receipt, to the Cardmembe
 
Processing Charges electronically

Processing the American Express® Card Charges and Credits electronically is quicker for you and your staff. Electronic processing can also help ensure the accuracy of your transactions and reduce the chance of incorrectly completed forms or lost paperwork.

When processing charges electronically, money is deposited into your account within 24 hours. Paper vouchers take 14 days to clear.

Simply swipe the Card through your terminal to request Authorisation. If your existing terminals do not accept the American Express® Card, your POS device provider can programme them to do so, or call American Express® on (011) 359 0173/0200.

To process Charges electronically, follow these easy steps:

  1. Your Point of Sale (POS) device or electronic cash register needs to be programmed to accept American Express Cards.
  2. Follow the POS device's instructions.
  3. Your terminal receipt must reflect the following:
  • Authorisation Approval Code number
  • Card number and expiry date
  • Date of Charge
  • Amount of charge, which must be the total purchase price of goods or services purchased, including applicable taxes, tips, postage and packing charges. Any tip amount should be filled in by the Cardmember before you complete the total
  • A concise description of the goods or services purchased
  • Your business name and Visa/MasterCard Merchant number
 
Processing Credits electronically

When a Cardmember returns merchandise, or is due a Credit from your business, never refund cash. Always issue a Credit. A Credit can only be issued to the same American Express® Card account number used for the original purchase. Your terminal must generate a receipt containing:

  • Card account number
  • Date Credit was issued
  • Amount of Credit
  • Merchant name and Visa/MasterCard Merchant number
 
Processing mail order, telephone and Internet Charges

To protect yourself from chargebacks, please follow the Card acceptance procedures detailed in your Card Acceptance Agreement.

To minimise risk of fraud, remember to ask the Cardmember for:

  • Their name exactly as it appears on the Card
  • Their Card number
  • Card expiry date
  • Card billing address, as well as the address where merchandise is to be delivered (if different from billing address)
  • Home or business telephone number
  • Telephone number where the Cardmember can be reached (if different from the home or business phone)

For each transaction, be sure to:

  • Complete a sales voucher , and include all the information required for an in-person charge
  • Write "telephone order," "mail order" or "internet" as appropriate on the signature line of the voucher
  • Call American Express Authorisations on (011) 710-4808 or 0860 321 555 for an authorisation code, which must then be written in the allocated slot on the voucher.
  • Provide signed proof of delivery to the Cardmember's billing address
  • Ensure merchandise is delivered to the Cardmember's billing address.
 
To become an American Express merchant, or for further information, please call, (011) 667 - 8173
Apply Now

Apply here to welcome American Express and discover the benefits our Cards could bring to your business.

 

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