Online Brochure

Nedbank Merchant Payment Solutions

Product and services guide

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Benefits of card acceptance through Nedbank Merchant Payment Solutions.

As one of South Africa’s leading providers of card acceptance and payment solutions, Nedbank Merchant Payment Solutions offers a range of comprehensive solutions available for corporations, commercial businesses, small and medium enterprises and entrepreneurs. With Nedbank Merchant Payment Solutions you’ll find the right card transactional channel that meets your every business requirement.

Both internationally and locally card payments have increased substantially in the past decade, making it more appealing for businesses to accept cards.

Nedbank’s Merchant Payment Solutions caters for all types of business, such as hotels, retail stores, professional service providers and small-business entrepreneurs. The type of solution depends on the size of business, anticipated sales volumes, transactional values and business channels, eg website or face-to-face.

Standalone point-of-sale (POS) devices not integrated to the till offers the following:

• Processing capability for card transactions and value-added services.

• Choice of desktop or mobile devices, depend-ing on need.

• Full certification in terms of EMV and PCI PED approval.

• Device support and maintenance on devices.

• Ability to process debit-only transactions – risk of fraud reduced significantly.

• Processing of credit, debit, RCS, private-label and buy-aid cards.

Integrated Payment Solutions

Integrators offer merchants who have software and PIN pads a multilane solution enabling tills to process card transactions. That includes:

• Value-added services supplied by either the integrator or the till software provider.

• Full EMV certification of devices by Nedbank.

• A reconciliation tool to integrated merchants (MRSS).

• Specialissation in specific sectors, offering merchants expertise in a field.

Value adds for merchants include:

• Prepaid electricity.

• Prepaid airtime.

• Cashback and cash advance.

• Buy-aid card processing.

• Gift card functionality.

Nedbank ePay Solutions™ solutions via iVeri offers:

• A full product range catering to large and small merchants.

• Enhanced security features and multiple fraud prevention programmes.

• Accept to the largest e-commerce acquirer in South Africa.

• Several options subject to need and/or technical expertise of merchants.

Point-of-sale devices

Value- added

services

Integrators

Nedbank ePay Solutions™

OUR BUSINESS OBJECTIVE – Evolve to maintain and enhance relevance for all commercial entities that accept cards and make use of mobile commerce.

Call the Nedbank merchant helpdesk on 0860 114 966 or visit nedlink.co.za.

Standalone POS Multilane solution Nedbank ePay Solutions™ Specialist solutions

Contents

Benefits of card acceptance through Nedbank Merchant Payment Solutions

Our business objective

Nedbank payment solutions 02

ICT251 (Fixed device) 03

iWL251 (Portable device) 04

Nedbank PocketPOS™ 05

Integrated solutions 06

Nedbank Integrated Payment Solutions 07

Nedbank ePay Solutions™ 08

Nedbank Enterprise 09

Nedbank Lite 10

Online security 12

3D Secure 13

CyberSource 14

Payment Card Industry Data Security Standard (PCI DSS) 15

Specialist solutions 16

Nedbank PayMi 17

Nedbank Batch 18

Nedbank Link 19

American Express Card acceptance 20

American Express® 21

Value-added services 22

Contacts details 25

01Product and services guide

Nedbank payment solutions

Nedbank Merchant Payment Solutions offers a range of payment solutions to suit any merchant looking for a standalone POS terminal.

Whether it is a fixed device that uses a modem connection or a completely portable solution, each terminal has been engineered for speed, efficiency and ease of use.

ICT251 (Fixed device)

What is it?

This is a fixed POS device that uses a modem connection for data transfer. Built for speed, the ICT251 doesn’t just deliver cost-effective, highly secure transactions, it improves the speed of customer service, making it the ideal choice for any merchant with a traditional telephone system or high-speed GPRS modem.

Its impressive connectivity also makes it easy to integrate into an existing POS platform or add new devices such as contactless readers. Packed with features, theICT251 has been designed to ensure that merchants take advantage of the latest in payment innovations.

Who’s it for?

ICT251 is the ideal choice for anyone with a traditional telephone system or high-speed GPRS modem connection and is suitable for countertop card acceptance in any industry.

Features

• Powerful 32-bit, ARM9, high-speed processing.• Easy-load, silent, thermal printer capable of printing

18 lines/a second.• Ergonomically designed keypad with large, backlit,

graphic display.• Integrated smart card and magnetic-strip reader for

security.• Easy integration with existing POS platform (USB and

Ethernet connectivity).• High-speed GPRS modem connection, radio

pad and normal telephone dialup technology.• Automatically reverts to dialup mode in the event

of IP network failure.• Privacy screen for secure PIN entering.• Separate customer terminal also available.• Europay, MasterCard and Visa (EMV) and Payment Card

Industry (PCI) PIN transaction security (PTS) approved, delivering security as standard with no impact on speed.

• PCI certified.

Benefits

• Faster, convenient and more reliable transaction time.• Online authoristions within a few seconds, decreasing

overall transaction time.• Large keys and userfriendly operation ensures ease of

use for both merchant and customer.• Fast, silent printer.• Use with or without a separate PIN pad.• Multiple application support on cards, eg credit,

current or savings accounts on a single merchant card.• Easy, remote download offers up-to-date payment

software from Nedbank.

03

04

iWL251 (Portable device)

What is it?

This is the ultimate portable payment terminal, designed especially for mobile sales. Using GPRS for data transfer, merchants can process payment transactions at a reduced communication cost and in record time, improving the quality and speed of customer service. The iWL251 combines power, high security and outstanding communication capacity.

The battery is recharged in the base station and once charged, the terminal is able to function for the entire day (200 to 300 transactions). That, coupled with its ergonomic design and lightweight, easy portability, makes it the latest in portable card acceptance devices.

Who’s it for?

• Restaurants and cafés• Hotel groups• B&Bs• Auction houses• Taxi drivers• People doing home deliveries• Businesses making use of mobile sales

Features

• ARM9, reduced instruction set computing (RISC), 32-bit processor providing unequalled computing power.

• Ultra-fast printer (15 lines a sec) making transactions as quick as possible.

• Authentication within three to four seconds.• Backlighting of all keys for increased visibility.• Large memory capacity (16 + 8MB), three Secure Access

Module (SAM) readers and an optional Secure Digital (SD) card or MultiMedia Card (MMC) reader.

• Wireless data transfer through GPRS connection.• Lightweight for easy portability (425 grams).• Rechargeable battery lasting for approximately 200

to 300 transactions.• EMV- and PCI-PTS-approved, delivering security as

standard with no impact on speed.• USB port that allows input into other devices such as tills.• Adaptability to all national and international security

regulations.• The iWL251’s operating in Internet Protocol (IP) mode

and constantly being online with GPRS.• Engineering to adapt to changes in payment systems.• PCI certified.

Benefits

• Reduce communication costs.• Complete portability.• Transactions carried out in front of the cardholder.• Secure and tamper-resistant.• GPRS reducing costs of electronic transmission.• Support of Multiple applications on cards, eg credit,

current or savings accounts.• Reliable, easy-to-upgrade software that is readily

available.• Userfriendly operation for merchant and customer.• Powerful processing capacity.


Nedbank PocketPOS™

What is it?

Nedbank PocketPOS™ is the first EMV-chip and pin-certified mobile POS solution on sale in South Africa that enables you to securely accept debit and credit card payment through your smartphone or tablet. This means customers can now pay you conveniently, securely and instantly.

Who’s it for?

• Plumbers• On-the-go traders• Direct sales organisations• Merchants who want to use it as a backup device• Seasonal or weekend traders• Businesses with no current merchant facilities• Roaming merchants with no business address• Delivery and courier services

Features• Acceptance of all major chip-and-PIN credit and debit

cards (including American Express, MasterCard and Visa).

• Cost effective – saving of up to 50% on traditional card acceptance costs.

• Full mobility.• Reduced admin due to transaction history.• Digital receipt sent to the captured email address

or SMS. • Connection through Bluetooth to the smartphone

or tablet.• Excellent security on par with all other industry-approved

POS solutions.• iVeri Back Office functionality provides the merchant with

a online robust reconciliation tool which is unique to this offering in the market.

• Reduced risk of non-payment or payment delays.

Benefits• Easy off-the-shelf banking.• A low-cost solution for low volume.

• An add-on to existing POS infrastructure.• Easy installation on most compatible smart device.• Easy signup.• Small, light and easy to carry around.

Visit nedlink.co.za and complete the application form for a Nedbank PocketPOS™. A call centre consultant will contact you within 24 hours to take you through the application process and answer any questions you may have.

The device will be delivered directly to you within five working days (subject to availability and all conditions being met). Alternatively, call the Nedbank merchant helpdesk on 0860 114 966.


Nedbank Integrated Payment Solutions

An integrator offers a multilane solution for larger retailers, combining both hardware and software products into a payment solution for the merchant.

An integrated solution is generally customised to your environment and can be linked into till and stock management systems. It offers transaction management, which enhances productivity, specifically allowing merchants with multiple points of presence to reconcile across all of these points.

Nedbank Integrated Payment Solutions

What is it?

Nedbank Integrated Payment Solutions (NIPS) is for medium-to-large-sized merchants who require an integrated solution to accept local and international credit cards.

Who’s it for?

• Cellular network providers• Hotel group central reservations offices• Airlines• Supermarkets• Retailers• Multilane applications

Features

• Integrators operate servers and workstations through Nedbank’s merchant network, allowing for integrated EFT transaction processing from a retail outlet to the bank.

• It provides online connection to the Card Authorisations and Settlements Division of Nedbank. It permits the online processing of card transactions through host-to-host communications and can process transactions with all major cards.

• NIPS is used for all preauthorisation, sale and refund transaction types.• It can process card transactions online through the internet.

Benefits

• Same-day settlement value for Nedbank accountholders.• Continuous availability 24 hours a day, seven days a week.• Real-time transaction processing.• Quick implementation.• Online authorisation and preauthorisation.


Nedbank ePay Solutions™

We offer a range of solutions suited to merchants operating in the e-commerce environment. Whether you are buying, selling or providing services online or looking for a simple, effective and highly secure payment method solution, you can be sure that we have one to suit your individual business requirements.

Nedbank Enterprise

What is it?

The robust Nedbank Enterprise system can be used by mail order and telephone order (MOTO) merchants for both website transactions (e-commerce) as well as call centre transactions and NPay and is suitable for larger merchants who either employ or have access to computer programmers. Depending on the merchant’s operating system, Nedbank has versions in Java and .NET web services. Merchants have full control of the application programming interface (API) and can integrate with their own databases so that they can mark of the results of both successful and failed transactions in real time. The merchant is in full control of the transaction process using the Nedbank Enterprise software on their server.

With Nedbank Enterprise the following Back Office functionality can be accessed on the gateway:• Reconciliations – this is a settlement file that provides a list of all transactions for the past six months that make up the

lump sum deposit into the merchant’s bank account daily. This report can be obtained in the following formats – – PDF – XLS – CSV – XMLMerchants can either pull these reports manually by logging into Back Office or they can configure Back Office to email these reports daily so that they can save these reports on their own system.

• Transaction lookup – this is a function where merchants can look up a single transaction based on a number of search criteria. They would never need the full card number to use this function. Only the past six months’ data is available.

• Transaction history – this is a report that provides a full listing of all transactions for a selected period, eg for a week or month. Again, this data is available for the past six months. These reports are available in the following formats:

– CSV – XMLDevelopers can go to http://examples.iveri.com/ for working code examples.

Who’s it for?

• Telemarketing businesses• Car rental companies• Publishers• Parking concessionaires• Merchants with large call centres• Airline operators• Merchants who require complex interactions

between products/services and payment• Merchants wishing to avoid their client being

redirected to another page

Features• Requires integration and access to development resources.• Can be run on any operating system.• Allows any merchant-to-merchant authorisations and

settlements.• Allows for central processing of multichannel payments

received from the internet.• Accepts all local and international MasterCard, Visa,

Diners Club International and American Express® Credit Cards.

• Provides a userfriendly web interface.• Database storage, formatting and development is

entirely at the developer’s discretion.• Security features include verification of card transactions

through international databases of lost, stolen and fraudulent cards.

• Provides security through 3D Secure and CyberSource.

Benefits• Merchant in complete control of the payment process.• Process card transactions from any computer regardless

of merchant location.• Optional email confirmation on completion of transaction.• Real-time processing.• Merchant-driven, ie merchant can tailor the range of

settings to best suit its business requirements.• Full transaction history for the past six months and

reconciliation reports.

09Nedbank ePay Solutions™

Nedbank Lite

What is it?

Nedbank Lite works on the basis of a redirect on checkout when the cardholder wants to make a payment. The merchant website will make a connection to the secure payment page hosted by Nedbank on the iVeri gateway, presenting cardholders with a secure (https) page where they will enter their cheque or credit card details. The gateway will then process the transaction and return a result code to the merchant’s website where the web developer will convert the result code into a text message to the cardholders informing them of the success or failure of the transaction.

The following Back Office functions can be accessed on the gateway:• Reconciliations – this is a settlement file that provides a list of all transactions for the past six months that make

up the lump sum deposit into merchants’ bank account daily. Merchants can either pull these reports manually by logging into Back Office or they can configure Back Office to email these reports daily so that they can save these reports on their own system.

• Transaction lookup – this is a function where merchants can look up a single transaction based on a number of search criteria. They would never need the full card number to use this function. Only the past six months’ data is available.

• Transaction history – this is a report that provides a full listing of all transactions for a selected period, eg a week or a month. Again, this data is available for the past six months.

• Due to the redirect features, there are a few additional functions in Back Office besides those in the Nedbank Enterprise solution:

– View all transactions for a selected period on screen.– Perform followup transactions without having to capture card details (eg refunds).– Configure Back Office to send email confirmations of successful transactions to the email address of the

merchant’s choice.– Configure Back Office to send email confirmations of successful transaction to the cardholder.

Who’s it for?

• Internet merchants with limited technical facilities and resources

• Anyone using a basket checkout-type system on their website

Features

• Works via an HTLM form.• Accepts all local and international MasterCard, Visa,

Diners Club International and American Express® Credit and Debit Cards.

• Compatible with any operating system.• Userfriendly web interface.• Transactions are processed on iVeri, secured by an

SSL certificate.• Transaction results are redirected to the merchant’s

website. At the same time an optional email of confirmation is sent to either the merchant and/or the

cardholder.

• The website owner retains complete control over the look and feel of the website, including the payment and invoicing section.

• Security features include verification of card transactions through international databases of lost, stolen and fraudulent cards.

Benefits

• Merchants do not have to manage certificates and the 3D Secure process.

• Processing of card transactions from any computer regardless of the merchant location.

• Real-time processing.• Optional email confirmation on completion of successful

transactions.• Full transaction history for the past six months and

reconciliation reports.

Product and services guideNedbank ePay Solutions™


Notes

Online security

Improving the security surrounding online transactions by authenticating the cardholder at the time of effecting payment for purchases is paramount to the success of online businesses.

3D Secure

What is it?

3D Secure is a cardholder authentication tool that provides a layer of protection for internet merchants and shifts the liability for chargebacksto the card issuer. It is, however, not a silver bullet to the prevention of all possible fraud, as not all cards and card types are enabled by Visa and MasterCard.

Who’s it for?

3D Secure is mandatory in South Africa for merchants who accept internet e-commerce card payments through Nedbank Lite (redirect) and Nedbank Enterprise products.

Features

As electronic commerce grows, the risk of online transactions remains a concern for cardholders, merchants, banks and card associations alike. In an environment where the physical card is not present it creates an opportunity for fraudsters and unscrupulous cardholder to use the situation to their benefit and purchase goods on the internet and then claim no knowledge of the transaction. To address the problem of cardholders denying knowledge of transactions or fraudulent card-not-present usage the card associations have developed cardholder authentication solutions:

Visa Verified by Visa (VbyV) (Visa implementation of 3D Secure)MasterCard SecureCode (MasterCard implementation of 3D Secure)American ExpressSafeKey

Benefits

3D Secure enables merchants to authenticate cardholders. When shopping at a participating merchant’s website, the cardholder enters his or her unique PIN, which is verified by their card issuer who, in turn, digitally signs the transaction.

When a merchant enrols for 3D Secure, the burden of proof for certain transactions shifts from the acquirer and his merchant to the issuer. This is referred to as a liability shift. If the liability of a transaction shifts to the issuer, then the issuer loses his chargeback right on the transaction.

Benefits for the merchant

• Increased consumer confidence and trust of online purchasing security, potentially leading to increased sales volumes.

• Reduced risk of fraudulent transactions.• Reduced a operational expenses due to fewer transaction

disputes.

13Online security

CyberSource

What is it?

CyberSource is a fraud monitoring tool that Nedbank Lite and Nedbank Enterprise merchants can use in addition to 3D Secure. CyberSource uses a series of over 260 category specific tests to validate card transactions, irrespective of the card scheme association.

Nedbank has negotiated preferential pricing with CyberSource for Nedbank Lite and Nedbank Enterprise merchants that are integrated through iVeri.

Features• Easy to implement on Lite and some development

required for Nedbank Enterprise.

• Over 260 checks and validations with an immediate accept/reject decision.

• Only ‘good’ transactions will go for an authorisation.

• Validates all cards, irrespective of association.

• Allows for proactive management of fraud instead of reactive management.

• Easy-to-understand segmentation (new, retail, terms and conditions and airline).

• In the past this revolutionary product was only available to large merchants, but now it is available to all.

Benefits

• Rejected transactions are not even sent for authorisation. The merchant won’t know someone even attempted to commit fraud on their site.

• It is easy to implement on Lite, but will require development on Nedbank Enterprise. Nedbank Enterprise merchants have to carry out some development integration.

• Cardholders don’t need a password to transact. It doesn’t detract from the shopping experience with zero cardholder impact.

• The merchant is charged a small fee per transaction, but no setup costs.

Online security

Payment Card Industry Data Security Standard(PCI DSS)

What is it?

The payment card industry has introduced data security standards (PCI DSS) to ensure that all cardholder data is always stored, processed and transmitted securely. This applies to all businesses and organisations involved in the processing, storing and/or transmitting of cardholder data.

PCI DSS has been developed by the major credit card companies, including MasterCard and VISA, to protect cardholder payment data proactively. It covers security management, policies, procedures, network architecture, software design and other critical protective measures.

These standards have been developed due to the rising incidence of stolen cardholder account data. As a result of these thefts, merchants and financial institutions suffer fraud losses and incur unanticipated operational expenses, inconveniencing consumers significantly. To protect your business, your cardholders and the integrity of the payment system your bank might require you to become PCI DSS-compliant.

What is the definition of ‘merchant’?For the purposes of PCI DSS a merchant is defined as any entity that accepts payment cards bearing the logos of any of the five members of the PCI SSC (American Express, Discover, JCB, MasterCard or Visa) for the payment of goods and/or services. Note that a merchant that accepts payment cards for the payment for goods and/or services can also be a service provider, if the services sold result in storing, processing or transmitting cardholder data on behalf of other merchants or service providers. For example, an internet service provider is a merchant that accepts payment cards for monthly billing, but also a service provider if it hosts merchants as clients.

What are the penalties for non-compliance?The payment brands may, at their discretion, fine an acquiring bank for PCI DSS compliance violations.

The banks will most likely pass this fine on until it eventually reaches the merchant. Furthermore, the bank can elect to terminate your relationship or increase transaction fees. Penalties are not openly discussed nor widely publicised, but they can be catastrophic to a small business. It is important to be familiar with your merchant account agreement, which should outline your exposure.

15Online security

Specialist solutions

Irrespective of your specific requirements, we have the perfect solution for your business.

Nedbank PayMi

What is it?

Nedbank PayMi is a simple electronic email invoice with embedded card payment. It is unique in that it allows the merchant to present a request for payment, bills or invoices by email. Customers are then able to complete payments by entering their card details. Nedbank PayMi is designed for merchants who know the customers that they wish to prompt for a card payment on a regular or ad hoc basis.

These electronic invoices/payment requests are sent to cardholders, who receive a personalised message requesting them to complete the transaction.

Nedbank PayMi messages are personalised with the customer’s name, exact amount and unique merchant reference number. The customer is then able to complete the payment by opening the email in a browser and entering his or her card details to effect payment through a secure browser. With Nedbank PayMi a merchant does not need to have an e-commerce enabled website, but it can work with e-commerce products.

Who’s it for?

• All companies that work in the business to consumer (B2C) market where accounts become due and the customer is not present

• Municipal payment processors• Tax payment processors• Charities• Arrears/Collection departments• Tourism and travel companies

Features

• Electronic email invoices have built-in payment functionality.• Cardholders receive a personalised message

requesting them to complete the transaction.• Payment processed through a secure browser.

Benefits

Merchants

• Instantaneous delivery over two channels means quick payment by customers.

• It is more cost-effective than traditional delivery methods.• Simplified payment option makes it easy for customers

to effect immediate payment.• Adds a payment response to collections communication.• It is Payment Card Industry Data Security Standard

(PCI DSS)-compliant.

Cardholder

• Payments can be made anywhere, anytime – conveniently.• Payment is made over a secure channel, ensuring safety and ease.

17Specialist solutions

Nedbank Batch

What is it?

Nedbank Batch is a card payment solution for merchants with bulk recurring payments that do not need to be processed in real time.

Who’s it for?

• Merchants that operate in both physical and virtual environments

• Mobile network operators• Publishers and insurance companies• Parking concessionaires and car hire companies

Features

• Secure upload and viewing of status reports.• Bulk-process batches on a predetermined date.

Benefits

• View the progress of the processing batch by returning to Nedbank Back Office.

• Reports can be viewed, printed and downloaded on completion.

• Merchant can reconcile in their own accounting systems using the completed batch file.

Specialist solutions

Nedbank Link

What is it?

Nedbank Link allows merchants to process both POS and Virtual POS on the same MOTO merchant profile. Nedbank Link browser-based card processing is ideal for merchants who require card acceptance and who have a PC with internet access at their checkout.

With a standard internet browser the PC has the ability to process transactions securely. The solution requires minimal training and no software installation on the PC. Link is also perfect for small and medium call centers where agents are required to process card payments.This product supports a range of options for merchants who require a solution at their checkouts.

These solutions could leverage an existing PC, connecting a standalone POS terminal, or manage a multilane POS terminal configuration. The gateway also provides multichannel POS terminal management of a deployed estate.

Who’s it for?

MOTO merchant call centres

Features

• Capture transactions and credit card details for online processing.

• View all captured transactions for a selected period on screen.

• Receive email confirmations after processing successful transactions.

• Print receipts. • Perform authorisation reversal to remove the blocking

of funds against the cardholder’s credit limit. Benefits

• View the progress of the processing batch.• Reports can be viewed, printed and downloaded on

completion.• Merchant can reconcile on their own accounting systems

using the completed batch file.

19Specialist solutions

American Express Card acceptance

While it is true that many financial institutions offer credit cards, American Express® undoubtedly boasts one of the most prestigious brands. With over 80.8 million* Cardmembers worldwide, American Express has a comprehensive suite of Cards tailored to individuals, businesses and corporates.

* Internal American Express® survey 2013

American Express Card acceptance

Why accept American Express?

Whether your primary relationship is with Nedbank or not, accepting American Express provides you with access to high-quality customers and more profitable transactions.

American Express acceptance benefits

Most American Express® Cardmembers are professionals or senior managers. It has also been observed that American Express Card transaction values are on average greater than those of other cards.

American Express Cardmembers prefer to use their American Express Cards because of the world-renowned Membership Rewards™ Programme. By accepting American Express Cards, service establishments encourage repeat business from these Cardmembers. Cardmembers trust the American Express brand and are loyal to it to such an extent that some will go elsewhere if the card is not accepted.

American Express Cardmembers typically look for signs at the counter or cash register or at any other payment points on websites to determine whether a merchant accepts American Express.

A large number of international visitors with American Express Cards flock to South Africa, looking out for businesses that accept American Express Cards. Generally visitors from abroad paying with American Express Cards spend more per transaction than other cardholders and return more often to these businesses, resulting in repeat sales for the merchant.

American Express acceptance does cost more, but it brings benefits that more than make up for that higher cost.

For more information on becoming an American Express merchant contact the Merchant Helpdesk on 011 667 8173 or visit americanexpress.co.za.

The Nedbank Greenbacks SHOP Card, which is American Express-branded, automatically converts Nedbank Greenbacks rewards points into cash directly onto the Card – a first in South Africa.

Your customers now have the ease and convenience of spending their rewards in your store, provided you accept American Express Cards. What’s more, all of this is at no cost to your business, as you pay zero merchant service commission fees on Nedbank Greenbacks SHOP Card transactions.

To increase your business’ visibility and attract these new Cardmembers to your stores, we are provide signage and marketing material free of charge.

For more information on the Nedbank Greenbacks SHOP Card visit nedbankgreenbacks.co.za.

Should a Nedbank Greenbacks member ask you how to get the Nedbank Greenbacks SHOP Card, please ask them to call 0860 555 111.


Value-added servicesGrow your business further by taking advantage of the value-added services we have for you with the help of some of our key partners.

RCS CardThe RCS Card is a convenient card that enables you to acquire a huge variety of products and services at any of our growing number of participating merchants.

Credit GauranteeSimply put, it is the insurance of your debtors. An insurance policy is issued, covering your domestic or international debtors if you are an exporter. We investigate each of your debtors and issue cover against payment default by them.

DrawcardStored value card solutions. Gift cards can be issued in any amount and are perfect for any occasion from a birthday.

Accepting buy-aid cards

Koopkrag Card – Only one accountWelcome to the KOOPKRAG lifestyle – where you just do what you normally do while your card earns you money. Simply use your KOOPKRAG card at any of more than 3 000 stores countrywide and receive money back every time you swipe your card.

The IEMAS purchase cardNationwide suppliers network with a suppliers list available on the website (5 500 suppliers).

Pretorium Trust (CO-OP) Limited

With a membership of more than 25 000, Pretorium Trust is a non-profit-taking cooperative buying association that has been serving the consumer for more than 70 years.

Cape ConsumersCape Consumers was founded in 1947 as the State Employees’ Buy-Aid Association (SEBAA). Cape Consumers has grown with approximately 40 000 cardholders, more than 6 600 retailers and an annual turnover in excess of R1 billion.

Prepaid airtime and electricity

Blue Label Telecoms (Kwikpay)To become part of the network please complete the outlet agreement form and send it to Blue Label for approval.

SAMBACooperative buy-aid society uniting buying power so that its members can obtain all household goods and services with a Samba card.

Provider Product VAT Excl Disc % Disc ( R ) Purchase VAT Incl

MT0005 4.39 5.0% 0.22 4.17 4.75

MT0010 8.77 5.0% 0.44 8.33 9.50

MT0015 13.16 5.0% 0.66 12.50 14.25

MT0030 26.32 5.0% 1.32 25.00 28.50

MT0060 52.63 5.0% 2.63 50.00 57.00

MT0180 157.89 5.0% 7.89 150.00 171.00

VD002 1.75 4.0% 0.07 1.68 1.92

VD005 4.39 4.0% 0.18 4.21 4.80

VD0012 10.53 6.0% 0.63 9.89 11.28

VD0029 25.44 6.0% 1.53 23.91 27.26

VD0049 SMS 42.98 6.0% 2.58 40.40 46.06

VD0055 48.25 6.0% 2.89 45.35 51.70

VD0110 96.49 6.0% 5.79 90.70 103.40

VD0275 241.23 6.0% 14.47 226.75 258.50

TK0020 17.54 10.0% 1.75 15.79 18.00

TK0040 35.09 10.0% 3.51 31.58 36.00

TK0050 43.86 9.0% 3.95 39.91 45.50

TK0100 87.72 9.0% 7.89 79.82 91.00

TK0200 175.44 9.0% 15.79 159.65 182.00

TK0250 219.30 8.0% 17.54 201.75 230.00

WC0010 8.77 6.0% 0.53 8.25 9.40

WC0050 43.86 8.0% 3.51 40.35 46.00

WC0100 87.72 8.0% 7.02 80.70 92.00

WC0200 175.44 8.0% 14.04 161.40 184.00

CC0005 4.39 5.5% 0.24 4.14 4.73

CC0010 8.77 5.5% 0.48 8.29 9.45

CC0025 21.93 5.5% 1.21 20.72 23.63

CC0035 30.70 5.5% 1.69 29.01 33.08

CC0039 SMS 34.21 5.5% 1.88 32.33 36.86

CC0050 43.86 5.5% 2.41 41.45 47.25

CC0070 61.40 5.5% 3.38 58.03 66.15

CC0150 131.58 5.5% 7.24 124.34 141.75

VM0015 13.16 4.0% 0.53 12.63 14.40

VM0035 30.70 4.0% 1.23 29.47 33.60

VM0050 43.86 4.0% 1.75 42.11 48.00

VM0080 70.18 4.0% 2.81 67.37 76.80

VM0120 105.26 4.0% 4.21 101.05 115.20

VM0180 157.89 4.0% 6.32 151.58 172.80

BELA0010 8.77 12.0% 1.05 7.72 8.80

BELA0030 26.32 12.0% 3.16 23.16 26.40

BELA0050 43.86 12.0% 5.26 38.60 44.00

BELA0100 87.72 12.0% 10.53 77.19 88.00Mar-10

NEDBANK

Effective 2 March 2010

Disclaimer: The price list is subject to any changes or amendments as deemed necessary by the network operators. 48 (forty eight) hours notice will be provided to all customers on such notifications.

Pre-Paid Voucher Classification


MT0005 4.39 5.0% 0.22 4.17 4.75

MT0010 8.77 5.0% 0.44 8.33 9.50

MT0015 13.16 5.0% 0.66 12.50 14.25

MT0030 26.32 5.0% 1.32 25.00 28.50

MT0060 52.63 5.0% 2.63 50.00 57.00

MT0180 157.89 5.0% 7.89 150.00 171.00

VD002 1.75 4.0% 0.07 1.68 1.92

VD005 4.39 4.0% 0.18 4.21 4.80

VD0012 10.53 6.0% 0.63 9.89 11.28

VD0029 25.44 6.0% 1.53 23.91 27.26

VD0049 SMS 42.98 6.0% 2.58 40.40 46.06

VD0055 48.25 6.0% 2.89 45.35 51.70

VD0110 96.49 6.0% 5.79 90.70 103.40

VD0275 241.23 6.0% 14.47 226.75 258.50

TK0020 17.54 10.0% 1.75 15.79 18.00

TK0040 35.09 10.0% 3.51 31.58 36.00

TK0050 43.86 9.0% 3.95 39.91 45.50

TK0100 87.72 9.0% 7.89 79.82 91.00

TK0200 175.44 9.0% 15.79 159.65 182.00

TK0250 219.30 8.0% 17.54 201.75 230.00

WC0010 8.77 6.0% 0.53 8.25 9.40

WC0050 43.86 8.0% 3.51 40.35 46.00

WC0100 87.72 8.0% 7.02 80.70 92.00

WC0200 175.44 8.0% 14.04 161.40 184.00

CC0005 4.39 5.5% 0.24 4.14 4.73

CC0010 8.77 5.5% 0.48 8.29 9.45

CC0025 21.93 5.5% 1.21 20.72 23.63

CC0035 30.70 5.5% 1.69 29.01 33.08

CC0039 SMS 34.21 5.5% 1.88 32.33 36.86

CC0050 43.86 5.5% 2.41 41.45 47.25

CC0070 61.40 5.5% 3.38 58.03 66.15

CC0150 131.58 5.5% 7.24 124.34 141.75

VM0015 13.16 4.0% 0.53 12.63 14.40

VM0035 30.70 4.0% 1.23 29.47 33.60

VM0050 43.86 4.0% 1.75 42.11 48.00

VM0080 70.18 4.0% 2.81 67.37 76.80

VM0120 105.26 4.0% 4.21 101.05 115.20

VM0180 157.89 4.0% 6.32 151.58 172.80

BELA0010 8.77 12.0% 1.05 7.72 8.80

BELA0030 26.32 12.0% 3.16 23.16 26.40

BELA0050 43.86 12.0% 5.26 38.60 44.00

BELA0100 87.72 12.0% 10.53 77.19 88.00Mar-10

NEDBANK





MT0005 4.39 5.0% 0.22 4.17 4.75

MT0010 8.77 5.0% 0.44 8.33 9.50

MT0015 13.16 5.0% 0.66 12.50 14.25

MT0030 26.32 5.0% 1.32 25.00 28.50

MT0060 52.63 5.0% 2.63 50.00 57.00

MT0180 157.89 5.0% 7.89 150.00 171.00

VD002 1.75 4.0% 0.07 1.68 1.92

VD005 4.39 4.0% 0.18 4.21 4.80

VD0012 10.53 6.0% 0.63 9.89 11.28

VD0029 25.44 6.0% 1.53 23.91 27.26

VD0049 SMS 42.98 6.0% 2.58 40.40 46.06

VD0055 48.25 6.0% 2.89 45.35 51.70

VD0110 96.49 6.0% 5.79 90.70 103.40

VD0275 241.23 6.0% 14.47 226.75 258.50

TK0020 17.54 10.0% 1.75 15.79 18.00

TK0040 35.09 10.0% 3.51 31.58 36.00

TK0050 43.86 9.0% 3.95 39.91 45.50

TK0100 87.72 9.0% 7.89 79.82 91.00

TK0200 175.44 9.0% 15.79 159.65 182.00

TK0250 219.30 8.0% 17.54 201.75 230.00

WC0010 8.77 6.0% 0.53 8.25 9.40

WC0050 43.86 8.0% 3.51 40.35 46.00

WC0100 87.72 8.0% 7.02 80.70 92.00

WC0200 175.44 8.0% 14.04 161.40 184.00

CC0005 4.39 5.5% 0.24 4.14 4.73

CC0010 8.77 5.5% 0.48 8.29 9.45

CC0025 21.93 5.5% 1.21 20.72 23.63

CC0035 30.70 5.5% 1.69 29.01 33.08

CC0039 SMS 34.21 5.5% 1.88 32.33 36.86

CC0050 43.86 5.5% 2.41 41.45 47.25

CC0070 61.40 5.5% 3.38 58.03 66.15

CC0150 131.58 5.5% 7.24 124.34 141.75

VM0015 13.16 4.0% 0.53 12.63 14.40

VM0035 30.70 4.0% 1.23 29.47 33.60

VM0050 43.86 4.0% 1.75 42.11 48.00

VM0080 70.18 4.0% 2.81 67.37 76.80

VM0120 105.26 4.0% 4.21 101.05 115.20

VM0180 157.89 4.0% 6.32 151.58 172.80

BELA0010 8.77 12.0% 1.05 7.72 8.80

BELA0030 26.32 12.0% 3.16 23.16 26.40

BELA0050 43.86 12.0% 5.26 38.60 44.00

BELA0100 87.72 12.0% 10.53 77.19 88.00Mar-10

NEDBANK





MT0005 4.39 5.0% 0.22 4.17 4.75

MT0010 8.77 5.0% 0.44 8.33 9.50

MT0015 13.16 5.0% 0.66 12.50 14.25

MT0030 26.32 5.0% 1.32 25.00 28.50

MT0060 52.63 5.0% 2.63 50.00 57.00

MT0180 157.89 5.0% 7.89 150.00 171.00

VD002 1.75 4.0% 0.07 1.68 1.92

VD005 4.39 4.0% 0.18 4.21 4.80

VD0012 10.53 6.0% 0.63 9.89 11.28

VD0029 25.44 6.0% 1.53 23.91 27.26

VD0049 SMS 42.98 6.0% 2.58 40.40 46.06

VD0055 48.25 6.0% 2.89 45.35 51.70

VD0110 96.49 6.0% 5.79 90.70 103.40

VD0275 241.23 6.0% 14.47 226.75 258.50

TK0020 17.54 10.0% 1.75 15.79 18.00

TK0040 35.09 10.0% 3.51 31.58 36.00

TK0050 43.86 9.0% 3.95 39.91 45.50

TK0100 87.72 9.0% 7.89 79.82 91.00

TK0200 175.44 9.0% 15.79 159.65 182.00

TK0250 219.30 8.0% 17.54 201.75 230.00

WC0010 8.77 6.0% 0.53 8.25 9.40

WC0050 43.86 8.0% 3.51 40.35 46.00

WC0100 87.72 8.0% 7.02 80.70 92.00

WC0200 175.44 8.0% 14.04 161.40 184.00

CC0005 4.39 5.5% 0.24 4.14 4.73

CC0010 8.77 5.5% 0.48 8.29 9.45

CC0025 21.93 5.5% 1.21 20.72 23.63

CC0035 30.70 5.5% 1.69 29.01 33.08

CC0039 SMS 34.21 5.5% 1.88 32.33 36.86

CC0050 43.86 5.5% 2.41 41.45 47.25

CC0070 61.40 5.5% 3.38 58.03 66.15

CC0150 131.58 5.5% 7.24 124.34 141.75

VM0015 13.16 4.0% 0.53 12.63 14.40

VM0035 30.70 4.0% 1.23 29.47 33.60

VM0050 43.86 4.0% 1.75 42.11 48.00

VM0080 70.18 4.0% 2.81 67.37 76.80

VM0120 105.26 4.0% 4.21 101.05 115.20

VM0180 157.89 4.0% 6.32 151.58 172.80

BELA0010 8.77 12.0% 1.05 7.72 8.80

BELA0030 26.32 12.0% 3.16 23.16 26.40

BELA0050 43.86 12.0% 5.26 38.60 44.00

BELA0100 87.72 12.0% 10.53 77.19 88.00Mar-10

NEDBANK






MT0005 4.39 5.0% 0.22 4.17 4.75

MT0010 8.77 5.0% 0.44 8.33 9.50

MT0015 13.16 5.0% 0.66 12.50 14.25

MT0030 26.32 5.0% 1.32 25.00 28.50

MT0060 52.63 5.0% 2.63 50.00 57.00

MT0180 157.89 5.0% 7.89 150.00 171.00

VD002 1.75 4.0% 0.07 1.68 1.92

VD005 4.39 4.0% 0.18 4.21 4.80

VD0012 10.53 6.0% 0.63 9.89 11.28

VD0029 25.44 6.0% 1.53 23.91 27.26

VD0049 SMS 42.98 6.0% 2.58 40.40 46.06

VD0055 48.25 6.0% 2.89 45.35 51.70

VD0110 96.49 6.0% 5.79 90.70 103.40

VD0275 241.23 6.0% 14.47 226.75 258.50

TK0020 17.54 10.0% 1.75 15.79 18.00

TK0040 35.09 10.0% 3.51 31.58 36.00

TK0050 43.86 9.0% 3.95 39.91 45.50

TK0100 87.72 9.0% 7.89 79.82 91.00

TK0200 175.44 9.0% 15.79 159.65 182.00

TK0250 219.30 8.0% 17.54 201.75 230.00

WC0010 8.77 6.0% 0.53 8.25 9.40

WC0050 43.86 8.0% 3.51 40.35 46.00

WC0100 87.72 8.0% 7.02 80.70 92.00

WC0200 175.44 8.0% 14.04 161.40 184.00

CC0005 4.39 5.5% 0.24 4.14 4.73

CC0010 8.77 5.5% 0.48 8.29 9.45

CC0025 21.93 5.5% 1.21 20.72 23.63

CC0035 30.70 5.5% 1.69 29.01 33.08

CC0039 SMS 34.21 5.5% 1.88 32.33 36.86

CC0050 43.86 5.5% 2.41 41.45 47.25

CC0070 61.40 5.5% 3.38 58.03 66.15

CC0150 131.58 5.5% 7.24 124.34 141.75

VM0015 13.16 4.0% 0.53 12.63 14.40

VM0035 30.70 4.0% 1.23 29.47 33.60

VM0050 43.86 4.0% 1.75 42.11 48.00

VM0080 70.18 4.0% 2.81 67.37 76.80

VM0120 105.26 4.0% 4.21 101.05 115.20

VM0180 157.89 4.0% 6.32 151.58 172.80

BELA0010 8.77 12.0% 1.05 7.72 8.80

BELA0030 26.32 12.0% 3.16 23.16 26.40

BELA0050 43.86 12.0% 5.26 38.60 44.00

BELA0100 87.72 12.0% 10.53 77.19 88.00Mar-10

NEDBANK




Contact detailsFor any enquiries please call the Nedbank merchant helpdesk on 0860 114 966 or visit nedlink.co.za.

Contacts details Merchant Helpdesk 0860 114 966 nedlink.co.za

Authorisations

Visa/MasterCard 0860 321 222 visa.co.za and mastercard.co.za

American Express® 0860 321 555 americanexpress.co.za

Diners Club 0860 346 377 dinersclub.co.za

Communication providers

ConnectNet 087 820 0220 connectnet.co.za

Metacom 0861 112 655 metacom.co.za

FastNet 0861 327 8832 fastnet.co.za

XLink 0860 095 465 xlink.co.za

Garage and fleet cards

Garage 0860 115 060 nedbank.co.za

Absa Fleet Management 0861 227 232 absa.co.za

Stannic 0860 123 000 stanic.co.za

Westbank First Auto 0861 102 090 westbank.co.za

NedFleet 0800 221 135 nedbank.co.za

Buy-aid cards

Cape Consumers 021 409 7600 capeconsumers.co.za

Iemas 0860 300 404 Iemas.co.za

KOOPKRAG 012 348 5452 koopkrag.co.za

Pretorium Trust 012 361 5526 pretorium.co.za

Samba 051 448 0111 samba.co.za

Transunion 0861 243 783 transunion.co.za

Blue Label Telecoms (Kwikpay) 011 523 3030 bluelabeltelecoms.co.za

Cheque Guarantee Service (CGS) 0861 CHEQUE (243 783) transunion.co.za

RCS 0861 729 727 rcs.co.za

Tallyroll suppliers

PaperGeni 011 011 3900 or 0861 252 737 papergeni.lasercom.co.za

Slam Paper 011 472 7280 or 0800 111 070 slampaper.co.za


Nedbank Limited Reg No 1951/000009/06. Authorised financial services and registered credit provider. 1968

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Nedbank 135 Rivonia Campus135 Rivonia RoadSandownSandtonJohannesburg2196

Merchant Helpdesk 0860 114 966nedlink.co.za

Online Brochure

Documents

Transcript of Online Brochure