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Which merchant services would you like?

Image of an EFTPOS machine taking a card payment.

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.


Image of a retailer fulfilling an online payments purchase.

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.

Chat with a payments specialist

Call us on 1800 029 749

(8am-8pm Sydney time, Mon-Fri)

Call us now to chat about your business and payment needs, or to ask for a product or service. Or request a callback and we’ll get back to you within 1 business day.


More ways to take payments

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 PayID1.

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

A merchant facility is a payment system that allows you to accept payments for your business. Examples include a mobile EFTPOS machine, an EFTPOS terminal that integrates with a point of sale (POS) system, and an online payment system that enables a business to take one-off and recurring payments from bank accounts, and debit and credit cards.

Depending on the nature of your business, merchant facility payments could occur over the phone, online, at the counter, at the table, or on the go in a mobile business.

Make tax less taxing

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

Find out more

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. 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 Code TM. 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.