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Ways to accept and manage your payments

PayWay Recurring Billing

PayWay Recurring Billing lets you easily schedule regular collection of credit card and  direct debit payments.

  • Perfect for businesses who collect payments from their customers on an ongoing and regular basis
  • Ideal for subscription-based businesses (e.g. gyms, personal trainers, insurance, payment plans)
  • Ensure a steady cash flow by automating regular payment collection from your customers1.

PayWay Batch Payments

PayWay Batch Payment processing lets you process large volumes of online and periodic credit card payments by simply uploading a file.

  • Ideal for phone and high-volume mail orders or donations
  • Bulk processing of credit card payments
  • Ideal for processing regular mail or phone orders
  • Enjoy an improved cash flow and reduced administration costs1.


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

  • 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 details2.

Online invoicing

Set up a personalised invoice template; then create, send and manage invoices 24/7* from your PC, laptop or mobile.

  • Complimentary with Business One Low and High Plan accounts and most Foreign Currency Accounts3
  • Saves time on invoice admin
  • Sends automatic payment reminders
  • Automatically reconciles invoices when correct details are provided4
  • Offers BPAY option for sole traders to encourage fast payments5.


Receive payments in less than a minute from customers paying with PayID, when you register your ABN as your unique PayID6.

  • Give customers your ABN instead of bank account details
  • Makes it simpler for them to pay you online
  • Helps get you paid fast
  • Payments go straight into your business account to support your cash flow.

See how easily PayWay integrates with your website or accounting software

Get started with a developer test account.

Terms and conditions apply. Find out more

Things you should know

Online Banking Terms and Conditions (PDF 305KB)

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. Same day settlement is available for Visa and Mastercard transactions processed before 6p.m. AEST and that are settled to a Westpac business transaction account. Does not include weekend or national public holidays, where settlement will occur on the next banking day. Transactions processed through other card schemes are subject to your agreement with the relevant card scheme.

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

3. 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.

This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement for Westpac's Online Banking facility, Business transaction accounts and Foreign currency account (PDF 291KB), before deciding.

4. If your customer makes their payment with the correct payment description, we'll automatically reconcile the payment to the correct invoice. Only for cleared funds paid to the linked Business One Low Plan or Business One High Plan account where the value does not exceed the outstanding amount of a current invoice. 

5. BPAY Eligible Account Holders: A new BPAY biller code is required for Biz Invoice.  To be eligible to set up BPAY Payments with Biz Invoice you must be registered for Online Banking and be a Sole Trader who is the sole owner of the Westpac Business One Low Plan or Business One High Plan account to which Biz Invoice is linked. Read the disclosure documents for your selected product or service, including the Biz Invoice BPAY Sub-Biller Agreement Terms and Conditions (PDF 248KB) and Direct Debit Request including the Direct Debit Request Service Agreement (PDF 36KB), before deciding.  Terms, conditions, fees, charges and eligibility apply. Full details are available on application.

6.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. 

* Subject to system availability.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.