ANZ offers two online merchant account, ePos and eGate. ePos is the merchant account that can accept online payments and eGate is the online payment gateway as well as merchant account

In order to resolve this issue, Business has to create eGate merchant account with ANZ. Even though eGate is the ANZ payment gateway but it is the only Merchant account that can communicate with TNS using migs protocol.

Another thing that can create this nuisance is the Merchant ID itself. ANZ is the only bank that creates one ID for Merchant and Terminal ID's, which is different from any other bank. On top of that, when ANZ provides Merchant Id to the business it consist of 7 digit but when ANZ receives response from TNS it is expecting 8 digit Merchant ID which is ludicrous but that is the way bank operates.

The work around for this issue is to add 0(zero) in front of ANZ merchant ID, if the merchant Id is less than 8 digit and this should resolve this issue.