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Our online payment solutions

What is PayWay?

PayWay is a simple, secure, internet-based solution that helps you to better manage cash flow and customer payments.

PayWay has a suite of modules that support multiple payment types, such as one off and repeat payments.

One off payments

For one off payments, you could offer your customers the option:

  • To pay by credit card through your website or call centre
  • To place telephone or mail orders
  • To pay over the phone 24 hours a day with an interactive voice response system.

Repeat payments

For repeat payments, you could offer your customers the option:

  • Regular debits from their bank account or credit card
  • To sign up for regular debits through a secure web page
  • To pay regular, monthly or annual fees.


Modules available - PayWay Batch and PayWay Recurring Billing.

Image of an eCommerce business owner who takes online payments with a hosted solution.

Westpac hosted PayWay

Westpac hosted PayWay is an off-the-shelf customisable solution that lets customers pay by credit and debit cards using a secure hosted webpage.

  • Accept credit card and PayPal payments using a secure Westpac hosted webpage with PayWay Net
  • Collect payments from invoices or integrate it with your shopping cart or website
  • The option to accept credit card payments over the phone 24/7 with PayWay Phone
  • 3D Secure is available for an extra layer of protection for your business. Schemes supported are Visa and Mastercard.
Image of an eCommerce business owner who uses an online credit card processing system.

PayWay API*

PayWay API lets your servers seamlessly talk to Westpac's credit card processing functions for real-time, straight-through payment authorisation.

  • PayWay API allows you to integrate Westpac’s credit card processing system into your front-end applications
  • For use in your call centre, website or software with Westpac's credit card processing functions
  • A simple and secure way of processing credit card payments with real-time authorisation
  • 3D Secure is available for an extra layer of protection for your business. Schemes supported are Visa and Mastercard
  • PayWay REST API allows you to integrate Apple Pay4 and Google Pay5 into your front-end applications for added convenience.

*Please note additional work is required to integrate PayWay API’s into your front-end applications.

Image of a small business owner using a web page to take card payments by phone and mail.

PayWay Virtual Terminal

PayWay Virtual Terminal  gives your staff the ability to process card payments via a secure PayWay webpage without the need for a physical EFTPOS machine.

  • Accepts all major credit cards for added convenience
  • It's suitable for processing phone, mail or other ad hoc orders
  • Configure up to four Custom Fields allowing you to collect additional information
  • Multiple staff can access the Virtual Terminal simultaneously.
Image of an online business owner who takes card payments through a third-party payment gateway.

Third party payment gateway

Choose your own Westpac-accredited third party payment gateway as the intermediary between sales and your bank account.

  • The power to integrate credit card transactions into call centre systems, website or any other application software
  • Choose between single transaction and shopping cart functionality
  • Increased capability through 24/7 payment processing.

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
Applications for merchant services are subject to approval.  Terms and conditions and other fees and charges (PDF 334KB) apply. Full details are available on request.

1.  If you want to accept American Express, Diners Club or JCB cards you will need to enter separate agreements with American Express, Diners Club International or JCB International.

2. 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.

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

4. Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

5. Read the Google Pay Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. 

Mastercard is a registered trademark of Mastercard International Incorporated.

American Express ® is a registered trademark of American Express. 

Internet connection may be needed to make purchases using Google Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc. Mastercard, PayPass and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.