Terms and conditions

1. The Commonwealth Bank of Australia ‘StepPay 4% Merchant Cash Incentive’ (Campaign) is conducted by the Commonwealth Bank of Australia ABN 48 123 123 124 of 124 of Level 5B, 11 Harbour Street, Sydney NSW 2000 (PH: 13 2221).

2. The Campaign commences at 12:01am (AEST) on 1st November 2021 and closes at 11:59pm (AEST) on 31st December 2021 (Campaign Period).

3. The StepPay 4% Merchant Cash Incentive is calculated based on the total value of StepPay transactions processed on a CommBank merchant facility between 1 November 2021 and 31 December 2021.

4. The cash incentive will be credited to the linked CommBank transaction account within 45 days after the Campaign date has ended.

5. Maximum of $5,000 will be paid per eligible Merchant facility under this Campaign.

6. Cash incentive is inclusive of any applicable GST. CommBank accepts no responsibility for any tax implications that may arise on receipt of the cash incentive. Accordingly, merchants should seek their own advice from the Australian Tax Office or their own taxation advisor.

7. We reserve the right to terminate the offer at any time. Offer valid as at 1 November 2021 and subject to change.

Eligibility and exclusions

8. Eligibility and exclusions apply. This campaign is applicable to Australian residents who:

(a) Are a CommBank merchant customer during the Campaign Period;

(b) Have a valid CommBank merchant number;

(c) Have a CommBank Business Transaction Account linked to their merchant facility;

(d) Are not in Institutional Banking or a business belonging to a franchise;

(e) Are not in one of the following industries based on Merchant Category Code (MCC):

  • Airlines
  • Amusement and Entertainment
  • Automotive/Vehicle Rentals
  • Automotive and Vehicles
  • Business Services
  • Government Services
  • Mail Order/Telephone Order providers
  • Miscellaneous stores
  • Personal Service Providers
  • Professional Services & Membership Organisations
  • Service Providers
  • Transportation

Full list of excluded industries by Merchant Category Codes (MCC).

MCC
Merchant Category
Merchant Type
4511, 3261, 3034, 3206, 3079, 3012, 3077
Airlines
Airlines and Air Carriers
7996
Amusement & Entertainment
Amusement Parks, Circuses, Carnivals, and Fortune Tellers
7998
Amusement & Entertainment
Aquariums, Seaquariums, Dolphinariums
7929
Amusement & Entertainment
Bands, Orchestras, and Miscellaneous Entertainers, Not Elsewhere Classified
7995
Amusement & Entertainment
Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
7932
Amusement & Entertainment
Billiard and Pool Establishments
7933
Amusement & Entertainment
Bowling Alleys
7941
Amusement & Entertainment
Commercial Sports, Professional Sports Clubs, Athletic Fields, and Sports Promoters
7911
Amusement & Entertainment
Dance Halls, Studios, and Schools
7997
Amusement & Entertainment
Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
7832
Amusement & Entertainment
Motion Picture Theaters 
7992
Amusement & Entertainment
Public Golf Courses
7999
Amusement & Entertainment
Recreational Facilities--Not Elsewhere Classified
7922
Amusement & Entertainment
Theatrical Producers (Except Motion Pictures), and Ticket Agencies
7991
Amusement & Entertainment
Tourist Attractions and Exhibits
7993
Amusement & Entertainment
Video Amusement Game Supplies
7994
Amusement & Entertainment
Video Game Arcades and Establishments
7841
Amusement & Entertainment
Video Tape Rental Stores
7512, 3389, 3357, 3393, 3395
Automobile/Vehicle Rentals
Automobile Rental Agency
7519
Automobile/Vehicle Rentals
Motor Home and Recreational Vehicle Rentals
7513
Automobile/Vehicle Rentals
Truck and Utility Trailer Rentals
5551
Automobiles & Vehicles
Boat Dealers
5599
Automobiles & Vehicles
Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers, Not Elsewhere Classified
7321
Business Services
Consumer Credit Reporting Agencies
7393
Business Services
Detective Agencies, Protective Agencies, and Security Services, including Armored Cars and Guard Dogs
7361
Business Services
Employment Agencies and Temporary Help Services
7392
Business Services
Management Consulting and Public Relations Services
9211
Government Services
Court Costs, including Alimony and Child Support
9222
Government Services
Fines
9399
Government Services
Government Services--Not Elsewhere Classified
9402
Government Services
Postal Services--Government Only 
9311
Government Services
Tax Payments
5969
Mail Order/Telephone Order Providers
Direct Marketing/Direct Marketers--Not Elsewhere Classified
5964
Mail Order/Telephone Order Providers
Direct Marketing--Catalog Merchants 
5965
Mail Order/Telephone Order Providers
Direct Marketing--Combination Catalog and Retail Merchants
5968
Mail Order/Telephone Order Providers
Direct Marketing--Continuity/ Subscription Merchants
5960
Mail Order/Telephone Order Providers
Direct Marketing--Insurance Services
5966
Mail Order/Telephone Order Providers
Direct Marketing--Outbound Telemarketing Merchants
5962
Mail Order/Telephone Order Providers
Direct Marketing--Travel Related Arrangement Services
5967
Mail Order/Telephone Order Providers
Inbound Teleservices Merchants
7277
Personal Service Providers
Counseling Services--Debt, Marriage, Personal
7273
Personal Service Providers
Dating and Escort Services
8220
Professional Services & Membership Organisations
Colleges, Universities, Professional Schools, and Junior Colleges
8241
Professional Services & Membership Organisations
Correspondence Schools
8211
Professional Services & Membership Organisations
Elementary and Secondary Schools
8062
Professional Services & Membership Organisations
Hospitals
8111
Professional Services & Membership Organisations
Legal Services and Attorneys
8651
Professional Services & Membership Organisations
Political Organizations
8661
Professional Services & Membership Organisations
Religious Organizations
8299
Professional Services & Membership Organisations
Schools and Educational Services--Not Elsewhere Classified
8249
Professional Services & Membership Organisations
Trade and Vocational Schools
6010
Service Providers
Financial Institutions--Manual Cash Disbursements
6012
Service Providers
Financial Institutions--Merchandise and Services
6300
Service Providers
Insurance Sales, Underwriting, and Premiums
6051
Service Providers
Non-Financial Institutions--Foreign Currency, Money Orders (not wire transfer), and Travelers'Cheques 
6532
Service Providers
Payment Service Provider — Money Transfer For A Purchase (M)
6513
Service Providers
Real Estate Agents and Managers -- Rentals
6211
Service Providers
Security Brokers and Dealers
7032
Service Providers
Sporting and Recreational Camps    
7012
Service Providers
Timeshares
7033
Service Providers
Trailer Parks and Campgrounds
4829
Service Providers
Wire Transfer Money Orders
4582
Transportation
Airports, Flying Fields, and  Airport Terminals
4119
Transportation
Ambulance Services