Merchant services

Essentials

• Process large volumes of routine and periodic credit card payments automatically.

• Choose between 2 systems - Batch Advantage or PayWay Batch module
• Lets you create and submit batch files for processing
• Process payments of regular mail and/or telephone orders, e.g. invoices, phone payments and periodic credit card payments automatically
• Highly suitable for merchants who process MOTO transactions via 'Long Docs' or use an EFTPOS terminal
• Requires PCI-DSS compliance
• Significantly improves your cash flow and reduces administration costs
• Linked to a Westpac business transaction account so funds will be paid into your account within 24 hours¹
• If you have a large business,  PayWay Recurring Billing may be right for you.

Need help finding the right product? Help me choose the right merchant service See our full range of website payments

Features

We'll set up your logon and password details and send support information for you and your staff.

Batch Advantage and PayWay Batch module both have these features:

• Credit card details are stored in your system¹
• Batches can be created online and uploaded
• Accept all major credit cards
• Allow files to be forward dated
• Automatically checks for duplicate transactions
• Support for multiple file formats
• Stand-alone credit card payment channel
• Transfers cleared funds to your Westpac business transaction account
• Optionally process one-off payments as well as batches
• Convenient online access to settlement and transaction reporting
• Download reports on a per batch basis.

In addition,

Differences between Batch Advantage and PayWay Batch

	Batch Advantage	PayWay Batch
Single or dual authorisation availability
Compatible with older systems like Westpac MTS, Cardlink and Westpac Batch Advantage Spreadsheet
Download daily, weekly or monthly settlement reports showing totals for each day
Failed payments automatically retried by your merchant system

Security features to protect you and your customers:

• Fully hosted by Westpac with User ID and password for control
• Provides user access control so you can manage who processes different transaction types
• Provides dual authorisation capability for extra security.

Fees

Every business is different  and because what you offer, where you offer it, how many you sell and how much you sell them for differs from one business to the next, it's best to contact us for a detailed quote where we can work out what product is best for your business and the fees that will apply.

Here is a list of fees and charges. A full list is available on request. Not all fees and charges may apply to your business.

Fees and charges explained

Fee name	Description
Establishment fee	One-off fee charged when you first become one of our merchants. It covers the cost of setting you up on both the Westpac and PayWay systems and providing your starter kit containing: Decals and product user guides Terms and Conditions brochure Merchant operating guide.
Monthly participation fee	For online merchants, covers the cost of managing software and servicing
Merchant service fee	Charged according to: Transaction volumes (number of sales and returns) The average $ value of each sale Domestic or international payments Card present and card not present transactions.
Minimum service fee	Charged if your calculated merchant service fee falls below the minimum monthly fee. It covers the overall cost of maintaining our services including merchant statements and other support costs.
Interchange fees	Fees we pay to the card issuer (bank or other financial institution) that supplied the card to your customer which vary depending on: The brand of the card, e.g. MasterCard® Where the card was issued, e.g. Australia or overseas How the transaction was processed, e.g. card present or card not present Card product type, e.g. premium card, business card.
Credit card transaction fee	When your customers use a credit card to make a payment, we may charge a credit card transaction fee.
Authorisation fees	When an 'operator' is required to facilitate an approval, or The merchant selects an automated process. Applies to all authorisations, including those where the transaction has been declined.
Chargeback fee	Partially covers the cost to banks of resolving a chargeback (disputed transaction).
Excessive chargeback fee	We reserve the right to apply this fee (in addition to the Chargeback fee) where we deem excessive chargebacks have been incurred over a given period of time. You'll be notified 1 month in advance if the fee is to be charged.
Cancellation fee	Covers the administration cost of closing your merchant service. The cancellation fee to be charged will be set out in our Letter of Offer to you. This fee will be for an agreed amount. Where the agreement is for a fixed period of time, please note that the cancellation fee will be higher where the facility is cancelled prior to the agreed expiry date of the contract term.
GST	Some charges include a goods and services tax (GST). For more information, contact the Australian Taxation Office on 132 866.

Support

Support is available when you need it

A dedicated helpdesk is available on 1800 029 749 (24 hours a day, 7 days a week) ¹.