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Which merchant services would you like?

Westpac EFTPOS machine

EFTPOS machines

Our EFTPOS machines offer fast and secure payments at the counter or on the move. Choose a standalone EFTPOS machine or a terminal that integrates with your point of sale system.


Receiving online payments

Online payments

Take payments online, by phone and by mail, with our range of eCommerce and recurring billing solutions. Choose the payment system that best matches your business needs.

Talk to a merchant specialist

We'll be in touch within 1 business day to discuss your business needs.

More ways to take payments

Online invoicing

Use our complimentary online invoicing tool to help get paid via Pay Anyone or optional BPAY® (allowing card payments).1

Recurring billing

Easily schedule a regular collection of credit card and direct debit payments.

Batch payments

Process large volumes of online and periodic credit card payments by simply uploading a single file.


Receive payments in less than a minute from customers paying with PayID, when you register your ABN as your unique PayID2.

Easy BPAY®

Give your customers an easy way to pay invoices over the phone or through online banking with our BPAY payment solution.

Frequently asked questions

Every small business is different, so will benefit from different payment solutions including combinations of services. For example, you might have an EFTPOS machine on the counter and a virtual terminal for phone and mail payments out back.

Some EFTPOS terminals integrate with point of sale (POS) systems while others are standalone, meaning you manually key-in the amount to be paid. When choosing a merchant service, much will depend on your budget and the extra business features you’re prepared to invest in.

Then there are a variety of eCommerce payment gateways to choose from, plus systems for handling recurring payments automatically.

If you’re researching payment options, a good starting point could be our Payment Solution Selector Tool. Or request a callback from a member of the Westpac merchant services team for a chat about your specific needs.

In banking terms, a ‘merchant’ is anyone who sells products or services and takes payments through methods such as cash, EFTPOS (Electronic Funds Transfer at Point Of Sale), by phone or mail, or through an online payment gateway. A ‘merchant account’ in Australia is an arrangement between a bank and its customer, to facilitate such payment services.

There’s no simple answer to that question as the costs of having an EFTPOS machine or an eCommerce payment gateway can vary by system, volume of transactions, etc. Some payment solutions may work on a ‘pay as you go’ basis (such as our flat rate EFTPOS pricing option) while others may involve a monthly pricing plan based on anticipated turnover.

To get an idea of the cost of a merchant service that matches your specific needs, request a callback from a member of the Westpac merchant services team.

It’s worth carrying out research to help you identify the right payment system for your business needs. A great place to start could be our handy Payment Solution Selector Tool, which is designed to help you find payment services that may match your specific requirements.

With Westpac EFTPOS machines, you can access your daily takings straight away through instant settlement. Settle your terminal(s) before 9.30pm (Sydney time) each evening and the funds will appear in your Westpac business transaction account near instantly.

Make tax less taxing

See how much easier it is to complete your tax return using Online Banking.

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Things you should know

Applications for merchant services are subject to approval. Terms and Conditions and other fees and charges (PDF 69KB) apply. Full details are available on request.

1. To be eligible for Biz Invoice you must be registered for Online Banking and hold a Westpac Business One Low Plan or Business One High Plan or Foreign Currency Account (excluding the Chinese Yuan RMB foreign currency account).  Terms and conditions, fees and charges apply in relation to the above accounts. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement for  Westpac's Online Banking facilityBusiness transaction accounts and  Foreign currency account (PDF 291KB), before deciding. 
2. Fast or near real-time payments are sent and received using Osko® by BPAY® and can be addressed to either a PayID or a BSB and account number. Near real-time payments require both the payer and payee to have Osko® enabled accounts. Payments may take longer in some instances, such as where there is a technical interruption to the service, there is a payment to a first time payee or when the payment is caught for additional security screening. 
The PayID types available to you may vary depending on your customer profile. If you register your mobile as a PayID, it needs to be the same as your SMS Protect CodeTM. If you register your ABN, it needs to be the same as the ABN on your Westpac profile. When your PayID is registered, your details (including your Business name) will be available to people who use the service and enter your ABN PayID. 
Westpac Online Banking is only available for use by Westpac Australia customers. Internet connection is needed to access Westpac Online and Mobile Banking. Normal mobile data charges apply. 

Mastercard® is a registered trademark of Mastercard International Incorporated.
BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.