Point of Sale (POS) Exemptions Training Australia

Point of Sale (POS) Exemption training designed for lenders and suppliers operating in Australia. This online course provides employees and managers with practical guidance on compliance with the POS Exemption under the National Consumer Credit Protection (NCCP) Act.

The POS exemption allows certain retailers and other suppliers of goods or services to arrange consumer credit for purchases without holding an Australian Credit Licence. However, strict legal conditions apply. The exemption does not apply if suppliers introduce customers to third-party brokers. Suppliers must be authorised to act on behalf of a licensed lender and ensure all exemption requirements are met.

Suppliers must also support the lender’s compliance with the Credit Act and National Credit Code, including obligations such as acting efficiently, honestly and fairly, meeting responsible lending requirements, and identifying customer vulnerability.

This course delivers a concise, scenario-based introduction to POS Exemption compliance, helping learners understand how to apply the exemption correctly and manage compliance risk.

Understanding Point of Sale (POS) Exemption Compliance

POS exemption compliance requires suppliers and lenders to meet specific legal conditions and general conduct obligations when offering credit at the point of sale.

The legal conditions include:

• The credit must be used wholly or predominantly to pay for the supplier’s own goods or services
• The supplier must be working with a linked credit provider
• The supplier must be supporting the lender’s process, not acting independently
• The customer must have initiated the purchase

Failure to comply strictly with each and every one of these conditions means the exemption is not applicable and any offer of credit would be illegal.

These specific conditions sit alongside general Credit Code obligations, including:

• Acting efficiently, honestly and fairly
• Meeting responsible lending requirements
• Identifying and supporting vulnerable customers
• Managing complaints and consumer hardship cases
• Ensuring credit assistance does not constitute personal advice

Failure to comply with these obligations can result in legal, financial and reputational risk for both suppliers and lenders.

Course Highlights

• Online, self paced POS exemption training that supports staff training during transitions to new pos systems to help avoid operational slow-downs
• Designed for lenders and suppliers in Australia
• Scenario based learning with real world examples
• Covers responsible lending and compliance obligations
• Practical instruction on compliant payments processing and applying discounts in a POS environment
• Focus on legal boundaries and risk management
• Suitable for employees, managers and compliance teams
• Certificate of completion for compliance records

Key POS Exemption Concepts Covered

This course helps learners understand how the POS system applies to them:

• When the POS exemption applies and when it does not
• Legal requirements under the NCCP Act and Credit Code
• Responsible lending and customer vulnerability obligations
• Complaints handling and hardship provisions
• Restrictions on credit assistance, including avoiding personal advice
• The consequences of non compliance

Why POS Exemption Compliance Matters

Failure to meet POS exemption conditions can result in:

• Breaches of the Credit Act and Code
• Regulatory action and penalties
• Increased compliance risk for lenders and suppliers
• Reputational damage and loss of trust
• Greater scrutiny from regulators

POS Exemption training helps organisations reduce risk, meet legal obligations and maintain compliant credit practices.

Course Content

POS Exemption Fundamentals

For all employees and managers

• When the POS exemption applies
• Conditions required for the exemption
• Roles and responsibilities of suppliers and lenders
• Legal and conduct boundaries
• Understanding key POS system components, including hardware and software, in day-to-day practice
• How pos software manages hardware and software interactions in routine point of sale operations

Compliance and Risk Management

For all employees and managers

• Responsible lending requirements
• Managing customer vulnerability
• Complaints handling obligations
• Consumer hardship provisions

Advanced POS Exemption Compliance

For managers

• Managing supplier and lender relationships
• Identifying compliance risks and issues
• Applying appropriate responses to incidents
• Supporting ongoing compliance frameworks

Decision Framework. Is This the Right Course?

This course is suitable if your organisation requires:

• POS exemption training aligned to Australian credit law, and needs to assess suitability against the total cost of ownership
• Guidance for lenders and supplier relationships
• Staff awareness of relevant credit compliance obligations
• Practical, scenario based compliance training

Professional Development

Completing this course enables employees and managers to:

• Apply POS exemption requirements confidently
• Identify and manage compliance risks early
• Understand relevant legal obligations under the Credit Act
• Respond appropriately to customer and regulatory issues

Quick Answer. What is POS Exemption Training?

POS Exemption training helps lenders and suppliers understand how to offer point of sale finance legally, meet compliance obligations, and reduce risk under Australian credit laws.

Book a Demo or Enrol Your Organisation

Support your team with POS Exemption training designed for Australian lenders and suppliers.

Request a demo or enrol your team today. For group bookings or tailored training options, contact us.