CDC Merchants

All merchants that have existing point-of-sale terminal facilities and do not sell alcohol, gambling goods/services, or gift cards will automatically be able to accept the Cashless Debit Card as a payment method.  There is no additional hardware, software or training required for a merchant that does not sell restricted goods and services (as defined below).

Merchants whose main business is in the sale of restricted goods and services will automatically be blocked from accepting Cashless Debit Card payments (e.g. casinos, TABs, liquor stores).  Merchants who sell both restricted and unrestricted goods and services can enter into a Mixed Merchant Agreement or Merchant Participation Agreement if they wish to accept the Cashless Debit Card. Signing this agreement means that restricted goods sold at the business will not be sold to participants who present a Cashless Debit Card for purchases.  Merchants can also opt not to enter into an Agreement, which would mean the business may be blocked from accepting the Cashless Debit Card.

For more information about Mixed Merchant Agreements or Merchant Participation Agreements, please contact cashlessdebitcardmerchants@dss.gov.au. 

Using the Cashless Debit Card at point-of-sale terminal devices

To use their Cashless Debit Card to make a purchase at a point-of-sale terminal device, a cardholder may insert the Cashless Debit Card into the device and press “SAV” or “Savings” or “CHQ” or “Cheque” or “CR” or “Credit”, then follow the prompts to enter their PIN.  A merchant should only process the Cashless Debit Card when the payment network is operational and not when the payment network is offline.

The Cashless Debit Card also has a contactless payment feature.  If a cardholder has turned on the contactless setting, they will need to make one PIN transaction before they can start using tap to pay.  After this transaction, they can pay by tapping their card on a payWave enabled terminal and waiting for the transaction to be confirmed.  There is no need for the cardholder to enter their PIN for purchases of $100 or less (or $200 or less at some businesses).

Restricted goods and services

For the purposes of the Cashless Debit Card program, restricted goods include:

  1. Alcohol
  2. Gambling goods and services (excluding lottery tickets and Scratchies)
  3. Cash-like products, gift or prepaid cards that allow cardholders to access cash or purchase alcohol or gambling products
  4. Any other goods or services determined by the Commonwealth of Australia in accordance with the Social Security (Administration) Act 1999 (Cth).

Blocked Merchants

Merchants can be blocked from accepting Cashless Debit Card payments for several reasons:

Their main business is the sale or provision of restricted goods and services

The merchant sells a mixture of restricted and unrestricted goods, but has opted not to be part of the program

The merchant is participating in ongoing circumvention of the program. You can find a list of blocked merchants here.

Please note: Cashless Debit Cards are accepted at any physical or online business or store that is not on the Blocked Merchants List, and does not primarily sell restricted items.

Participating Mixed Merchants

Some merchants selling a mixture of restricted and unrestricted items (such as pubs or sports clubs) have signed an agreement to accept the Cashless Debit Card. Cashless Debit Cards can be used at these businesses to purchase unrestricted items. View the list of Participating Mixed Merchants  who have signed an agreement and accept the Cashless Debit Card.