Account
Any account with access to Electronic Banking.

Access Method
A method we make available to users in order for them to give us instructions which we will rely on and act on to debit or credit an EFT account. An access method involves the use of components including devices, identifiers and codes or a combination of these. It does not include a method where the comparison of the appearance of a manual signature with a written specimen is the principal means of authenticating a user's authority to give the instruction.

Account access service
A service for the purposes of which either or both of the following apply:

a. the user must provide one or more codes to a service provider to enable the service provider or another person to access accounts at an account institution on the user's behalf; or

b. the user must record or store one or more codes in a manner required by the service provider to facilitate the user, the service provider or another person acting on your behalf to access an account at an account institution using that code or codes (for example, if we [acting as a service provider] provide the user with a software wallet to store codes and the wallet is used by the user or us to access an EFT account).

Account holder
The person(s) in whose name the account is held.

Ancillary equipment
Any equipment as specified by us that users will require to utilise an account access service.

Authorisation
The process some merchants follow to confirm there are sufficient funds available in the account for the transaction.

Biller
An organisation which issues bills to customers, which customers can pay through the BPAY Scheme.

BPAY Payment
A payment to a BPAY Biller through the BPAY Scheme.

BPAY Scheme or BPAY
The electronic payments scheme through which a user may instruct us to make payments (BPAY Payments) on your behalf to organisations (Billers) who have advised that you can make payments to them through this scheme. We will tell you if we cease to be a member of the BPAY Scheme.