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This tool provides general advice only.

How would you like to take payments?

Where would you like to take payments?

What kind of online solution would you like?

Which type of payments would you like to process?

Would you like to integrate with a Point of Sale (POS) system?

Do you already have a POS system?

Please select your POS system.


A fast and simple way to take card payments anytime, anywhere with wireless portability1.

A standalone EFTPOS machine you can use at the counter and on the move, without the need to integrate with a Point of Sale (POS) system.

Key benefits

  • Accepts  most card payments2 through a variety of connectivity options
  • Offers flexible plans with no lock-in contracts3
  • Gives immediate access to your funds with Instant Settlement4 if you settle into a Westpac bank account
  • Ideal for shops, restaurants, cafés, market stalls and mobile vendors.


Apply online in 10 minutes (5 minutes for existing customers)

Presto Smart

A fast and secure integrated EFTPOS solution to help you save time and improve customer service.

Presto Smart is an integrated system that connects seamlessly with many popular Point of Sale systems5.

Key benefits

  • Takes payments anywhere in your business premises
  • Accepts most card payments2  through a variety of connectivity options
  • Offers flexible plans with no lock-in contracts3
  • Gives immediate access to your funds with Instant Settlement4 on funds into a Westpac account
  • Enables fuss-free end of day reconciliations
  • Ideal for shops, restaurants and cafés.


A compact and lightweight integrated solution to help you streamline payments and improve customer service.

EFTPOS 1i can be used seamlessly with any Point of Sale that is compatible with PC-EFTPOS integration software6.

Key benefits

  • Takes payments anywhere in store
  • Accept payments through a variety of connectivity options
  • Instant settlement4 gives you access to your funds immediately
  • Ideal for shops, restaurants, cafés and hotels.

Westpac hosted PayWay

Turn your website into an online store by allowing customers to securely pay by credit card using a simple payment page with your branding, but hosted by Westpac.

  • Accept all major credit card types including American Express®, JCB and Diners Club. Also accepts PayPal
  • Funds are settled to your nominated Westpac business bank account for better cash flow.


Choose from 3 options:

  1. Accept bill payments from a link on your website to a Westpac hosted payment page;
  2. Accept bill payments at (you don't need a website); or
  3. Your website passes payment values to a Westpac hosted payment page.

PayWay API

A slightly more technical option that enables you to integrate with your website or other application software to process credit card payments.

  • Real-time authorisation7 with funds settled to your Westpac business bank account
  • Convenient online access to transaction and audit histories for greater admin oversight
  • Peace of mind with data security delivered through industry standard SSL protocol and digital certificates.

Third party payment gateway

You choose the approved gateway provider; we act as the 'digital key' to securely process credit card payments, be they via a call centre, website or other application software.

  • Enables customers to have a seamless 24/7 online shopping experience using all major credit card types including American Express®, JCB and Diners Club
  • 128-bit SSL encryption to provide optimal security
  • Support that doesn't come up short with a free 24/7 help desk.



PayWay Virtual Terminal

Virtual Terminal is a module you can choose as part of Westpac Hosted PayWay.

It gives you and your staff the ability to process card payments via a secure PayWay webpage without the need for a physical EFTPOS machine. It's suitable for processing phone, mail or other ad hoc orders.

  • Accepts all major credit cards for added convenience
  • Access audit history of all transactions easily online
  • Settlement and trend reports available for reconciliation and analytical purposes
  • Accessible from any secure computer and smartphone
  • For administrative purposes, we ask that funds be settled from an online merchant facility into a Westpac Business transaction account - normally taking 24-72 hours for funds to clear.



PayWay Batch payments

Suitable for processing high volume of mail orders (such as during a sale), donations or similar payments in bulk.

PayWay Batch lets you process large volumes of credit card payments by simply uploading a file.

  • Suitable for processing regular mail or phone orders
  • Enjoy an improved cash flow and reduced administration costs
  • Easily and conveniently download daily, weekly or monthly settlement reports
  • Settle your funds into a Westpac Business transactional account and receive same day settlement7 for transactions processed before 6pm (Sydney time).

PayWay recurring billing

Think that 'set and forget', payment processing would be a dream come true? It’s possible with PayWay.

Recurring billing lets you easily schedule regular collection of credit and debit card payments.

  • Suitable for subscription based businesses (like gyms, personal trainers, digital publishers or marketers)
  • Ensures steady, reliable cash flow with flexibility to set weekly, fortnightly, monthly, quarterly or yearly collections
  • Multiple reporting options cover failed payments, expiring credit cards and final payment due – for greater admin oversight.


BPAY® is a national electronic payment service, which allows your customers to pay you over the phone or through internet banking.


It’s simple and convenient, and means when your customers pay you, you receive their payments with same day value7. A great way to improve cash flow.

  • Improved cash flow with no dishonoured cheques or payments
  • Same day value for payments up to daily cut off
  • Lower payment collection costs
  • Reduced administration time, with all Easy BPAY Payments appearing on your bank statement with payment details8
  • A co-operative marketing effort between banks and BPAY reduces the need for you to promote the benefits of Easy BPAY.

Speak to one of our payment specialists about Westpac products that connect with third-party POS systems.

Things you should know

Applications for merchant services are subject to approval. Terms and conditions and fees and charges (PDF 1MB) apply. Full details are available on request.

1. To be eligible for the Westpac Merchant Pricing Plan you must hold and settle into a Westpac business transaction account in the same name as the Merchant Facility. Not available for use outside of the indirect tax zone. One terminal per Merchant Pricing Plan, per Merchant and available for EFTPOS 1 products only. 

2. If you want to accept American Express®, you'll need to call 1300 363 614 to enter into a separate merchant agreement with American Express.

3. Cancellation fee applies. Changes to merchant pricing plans are effective from the following month.

4. Westpac instant settlement functionality is not available between 9:30pm and 11:59pm (Sydney time) for all EFTPOS 1, EFTPOS 1i and Presto Smart terminals. You can only settle a Westpac issued EFTPOS terminal once within a 24 hour period. Subject to system availability, settlement can take place 7 days a week. Settlement must be to a Westpac business transaction account. Instant settlement functionality is not available on Corporate Online and is only available for Visa, Mastercard and eftpos transactions (excludes UnionPay transactions).

5. The Point of Sale solutions are supplied by POS Providers, not Westpac. Westpac does not guarantee or endorse those products and any related services.  You can find out if your POS is compatible with Presto Smart. 

6. The Point of Sale solutions are supplied by POS Providers, not Westpac. Westpac does not guarantee or endorse those products and any related services. Customers will need to ensure (through their POS vendor) that their POS is compatible with PC EFTPOS. 

7. Subject to system availability.

8. If you would like to receive a single electronic report with a bulk credit on your bank statement, then talk to us.

Mastercard® is a registered trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express.