The Cashless Debit Card, issued by Indue, will look and operate like an ordinary debit card, however, it is restricted to prevent the purchase of alcohol,participate in gambling activities or withdraw as cash. Most merchants won’t need to do anything to accept the card. It will work in all business that accept Visa or eftpos cards, except for withdrawing cash, purchases of alcohol, gambling products and certain gift cards and pre paid cards. Your staff will not require any additional training and there will be no extra paper work.

Using the 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 must insert the Cashless 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.
  • Note: If they select “SAV” or “Savings” or “CHQ” or “Cheque” and their card does not have an eftpos logo, the transaction may be declined.

A merchant should only process the Cashless Debit Card when the payment network is operational and not when the payment network is offline.


Cashless Debit Card Acceptance

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

Merchants whose main business is in the sale of Excluded Goods and Services will be excluded from participating in the trial e.g. hotels/bars, casino’s, TABs, liquor stores.

Merchants who sell Excluded Goods and Services and have the ability to prevent the sale of Excluded Goods and Services will be required to enter into a Merchant Agreement with Indue in order to be eligible to participate in the program and accept the Cashless Debit Card.

For Merchants who are wanting to be considered for the program please email

Excluded Goods and Services

For the purposes of the program, Excluded Goods include alcohol, gambling goods and services (excluding lottery tickets and scratchies), gift cards or prepaid cards that allow cardholders to purchase alcohol or gambling products and any other goods or services determined by the Commonwealth of Australia from time to time in accordance with the Social Security Legislation Amendment (Cashless Debit Card program) Act 2015 (Cth)).