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Increasingly, Australians are conducting banking business electronically via the internet which can be done at any time without having to go into a branch. The ease and convenience of contactless credit cards, shopping over the internet or phone or obtaining cash from an ATM has contributed to this popularity.

The ePayments Code regulates this method of banking, and applies to transactions that are initiated using electronic equipment, and not intended to be authenticated by manually comparing a signature. Examples include:

  • ATM transactions
  • EFTPOS (Electronic Funds Transfer at Point of Sale) purchases
  • Purchasing of goods by credit card, either online or by phone
  • Mobile phone or internet banking (including direct debits)
  • Transactions using stored value facilities, such as prepaid phone cards or other types of cards that allow a consumer to add value.
ePayments  :  Last Revised: Mon Sep 17th 2018
The content of the Law Handbook is made available as a public service for information purposes only and should not be relied upon as a substitute for legal advice. See Disclaimer for details. For free and confidential legal advice in South Australia call 1300 366 424.