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Help me choose a merchant service

This tool provides general advice only.

How do you want to receive payments?

What kind of EFTPOS terminal would you like?

What kind of device would you like?

What kind of online solution would you like?

Which type of payments would you like to process?


Offering the power and convenience of wireless portability so you can take payments on the go.


  • Immediate access to your funds with Instant Settlement if you settle into a Westpac bank account6
  • Compatible with most card types (Mastercard®, Visa, UnionPay and American Express®7)
  • Lightweight and mobile which means you can take the terminal to your customer on-site and offsite making taking payments easy and convenient
  • Multiple communications options in the one terminal with seamless-failover to IP/Ethernet, Wi-Fi, 3G and Dial which means you can carry on accepting card payments even if one communication method fails
  • Establishment fee waived 1 (saving you $82.50)
  • Choose from one of our five plans to suit your turnover: ranging from $55 per month to $225 per month2, depending on your desired transaction limit3
  • Flexible plans that let you change at any time4
  • No minimum term or lock in contracts5
  • Business One Low monthly account fee waived for the first 12 months while on a Merchant Pricing Plan8 – saving you $120.



Integrated EFTPOS 1i

This new compact, contactless, light-weight EFTPOS 1i device can be used seamlessly with your PC EFTPOS point-of-sale system. Save time at checkout for you and your customers.


  • Accept purchases, offer cash out, issue refunds or add surcharges
  • Compatible with most card types (Mastercard®, Visa and American Express®7)
  • Immediate approval / decline responses
  • Immediate access to your funds with Instant Settlement if you settle into a Westpac bank account6
  • Easily transact, manage stock and reconcile accounts
  • Backup connectivity options (Ethernet and dial-up at base) so you can process transactions even if your primary connection (Wi-Fi or 3G) isn’t available
  • Peace of mind with 24/7 help desk support.





Getting paid just got easier with Genie10. Take payments on the go with Westpac’s Genie. It’s small enough to fit in your pocket, but powerful enough to track your sales, and even send, manage and chase invoices.


Genie card reader

  • Take card payments anywhere, anytime with ease
  • Swipe, chip and contactless tap and pay card payments
  • Compatible with eftpos, Mastercard® and Visa card types
  • Secure card reader connects to your compatible smartphone9.


Genie App

  • Take payments by card, cash or invoice
  • Take payments, track sales and manage invoices from your mobile
  • Works with AndroidTM and iPhoneTM 9
  • Access Genie from your desktop via the secure web portal
  • $0 monthly plan fee
  • No transaction limit
  • Flat rate of 1.95% for all eftpos, Mastercard® and Visa transactions
  • No minimum terms or lock in contracts
  • $100 upfront fee charged for a card reader to accept payments.

If you're new to Westpac, we'll set you up with a Business One Low Account*, otherwise you can choose to settle into an eligible existing account.

Genie is currently available for Sole Traders and Sole Director companies only.


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 authorisation12 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.



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 transactional account - normally taking 24-72 hours for funds to clear.



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 settlement12 for transactions processed before 6pm (Sydney time).




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.




Easy BPay

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 value12. 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 details11
  • A co-operative marketing effort between banks and BPAY reduces the need for you to promote the benefits of Easy BPAY.




Things you should know


1. The Establishment Fee will be waived for successful application for a new Merchant Facility with an EFTPOS 1 terminal (excludes EFTPOS 1i) on a Merchant Pricing Plan. Eligibility criteria apply for a Merchant Facility and Merchant Pricing Plans. This offer may be withdrawn or varied at any time.

2. 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.

3. Transaction Limit means the total maximum dollar value of Visa, Mastercard and eftpos transactions that can be processed through your Merchant Facility per calendar month included in the Monthly Plan Fee. If the Transaction Limit is exceeded in a calendar month, a 1.5% fee applies to the total dollar value of Visa, Mastercard and eftpos transactions processed that exceeds the Transaction Limit. Other card types are not included in the Westpac Merchant Pricing Plans and are subject to separate pricing.

4. Changes to merchant pricing plans are effective from the following month.

5. Cancellation fees apply.

8. The monthly account fee, currently $10 per month, for your Business One Low account will be waived for the first 12 months while you continue to hold and settle a Merchant Facility on a Merchant Pricing Plan. After the end of 12-month period, the standard monthly account fee (applicable at that time) will be applied.  The Business One Low account must be in the same name as the Merchant Facility. This offer is not applicable for any other account type and for a single account per Merchant Pricing Plan only. All other account fees and charges apply. Where you do not hold a Business One Low account or cease to hold a Merchant Facility on a Merchant Pricing Plan, the standard monthly account fee will apply for the account. We may withdraw or vary any benefit under this offer by providing you 30 days’ written (including electronic) notice. This offer may be withdrawn or varied at any time.



6. Westpac instant settlement functionality is not available between 9:30pm and 11:59pm (Sydney time) for all EFTPOS 1 and EFTPOS 1i terminals and is not available between 9:30pm and 11:00pm (Sydney time) for all other terminal types. 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 account. Instant settlement functionality is not available on Corporate Online and is only available for Visa, Mastercard® and eftpos transactions (excludes UnionPay and dynamic currency conversion transactions).

7. 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.



9. The Genie Mobile app is available on iPhone running iOS 8 or later and devices running Android™ 4.4 and above with Bluetooth® 4.0 compatibility.

10. Genie Plans are not available for use outside of the indirect tax zone.

*Product fees and charges apply.



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


All Merchant Services

12. Subject to system availability.

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

Cancellation fees apply.

World Mastercard®, Mastercard and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android is a trademark of Google Inc.