Merchant services

Essentials

• Your website's check-out page is securely hosted by Westpac and customised with your logo.

• Known as PayWay Net module, this website payment solution will secure your customer's credit card details as they make payments on your website
• All your PCI-DSS compliance needs are taken care of ¹
• No need to maintain separate relationships with gateways or credit card companies
• Choose between simple link, shopping cart or no website functionality
• Access reports, statements, billing information and account support
• Fully authorised, live transactions
• Online help is available
• Accept Visa, MasterCard^®, AMEX^® and Diners Club^®2
• Linked to a Westpac Business transaction account so funds will be paid into your account within 24 hours³
• Can work with other PayWay modules such as PayWay Virtual Terminal which allows you and your staff to take credit card orders and payments via phone, fax and mail
• Another Westpac hosted payment page solution in this category is PayWay API.

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

Features

Once your Merchant ID is established, we'll be in touch to help you activate your payment page.

Westpac hosted website payments - PayWay Net module 

• Westpac hosts the payment page
• Uses 3D Secure to provide additional security for your business
• Westpac provides full technical assistance for implementation
• Westpac authorises credit card transactions providing you with an immediate approve or decline response
• Cleared funds are automatically transferred to your Westpac business bank account
• Log in to the PayWay website for access to reconciliation and reporting
• Audit history of all transactions is kept and available online
• Search for individual transactions to handle customer enquiries
• Download lists of payments and refunds
• View trend reports graphically
• Export raw sales data to Excel for further analysis
• Prompts for Card Verification Value (CVV) from cardholders for extra security protection.

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
Transaction fee	A PayWay gateway fee which varies depending on whether you have a PayWay API or PayWay Net solution.
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
• Downloads and detailed user guides are available online on the PayWay website
• PayWay live demonstrations provide reassurance for customers and staff.

PayWay test drive

Take the PayWay test drive to see the many ways PayWay could help you get paid.