OnlinePay: Westpac's Payment Gateway
Accept online payments securely via your website, Payment Links, or Virtual Terminal – with no lock-in contract and a flat fee per transaction.
The simple, online payment solution
Simple pricing
No lock-in contracts, establishment or monthly fees. Just pay 1.4% per transaction1. Chargeback fees apply.
Seamless integration
Integrate to OnlinePay with easy to use plug-ins to major shopping carts like WooCommerce and Shopify2.
Fast payment links
Get paid promptly by sending customers a payment link. You don’t need a website to get started.
Same-day settlement
Keep your cash flowing with nightly settlement of funds into your Westpac business transaction account.3
Why Westpac OnlinePay could be right for your business
If you're after a cost-effective, simple and fast way to accept payments online, OnlinePay offers:
A scalable solution that grows with your business
You don't need a website to get started – you can send Payment Links by SMS, email, or social media. Use the dashboard to view and reconcile your OnlinePay, and eligible EFTPOS Air and in-store transactions4 in real time.
Payment convenience for you and your customers
Take payments when you're not face-to-face with customers, using your website, Virtual Terminal, or Payment Links.
Safe and secure payments
Secure your payments with 3D Secure, an extra layer of authentication built into the OnlinePay checkout experience.
Support when you need it, 24/7
Get support by calling the Westpac Merchant Helpdesk on 1800 029 749, or online via the OnlinePay Support Centre.
Extra features to help support expanding businesses
As your business grows or payment requirements change, OnlinePay can grow with you:
- Tailored pricing: to discuss your specific needs speak with your Relationship Manager or call us on 1800 029 749 (8am-8pm Sydney time, Mon-Fri)
- Sales insights and real-time reporting: sales history, transaction summaries, and settlement reports available via the dashboard and a reporting API
- Security: in addition to 3D Secure, take advantage of merchant blocking rules and card tokenisation
- Flexible payment experiences: create customised payment experiences with tailored payment flows by using a Westpac-hosted secure checkout page or other APIs.
Ready to get started?
Apply online
If you’re a sole trader, company or association, you can apply online for OnlinePay. You’ll need a Westpac Business transaction account to deposit payments into.
or
Call 1800 029 749
For other business types, such as partnerships and trusts, please call 8am-8pm (Sydney time), Mon-Fri to speak to an online payment specialist.
Choosing a Westpac business transaction account
If you don’t already have a business transaction account and you’re applying online, choose a Business One, Business One Plus or Community Solutions account.
Ways to get paid
OnlinePay connects to your business in five ways. Compare them below to find the right fit.
| Integration type | Best for | How it works |
|---|---|---|
| Shopping cart plug-ins | Businesses using Shopify, WooCommerce, Magento, PrestaShop, or OpenCart | Easy-to-use plug-ins connect OnlinePay to your existing shopping cart with easy setup2. |
| Payment Links | Businesses without a website, or those taking one-off payments | Generate a Payment Link and send it to customers via SMS, email, or social media. |
| Virtual Terminal | Businesses taking payments by phone or mail | Enter cardholder details directly into a Virtual Terminal on the OnlinePay Dashboard. |
| Checkout and API | Businesses that want a fully branded, custom payment experience | Build tailored payment flows using a Westpac-hosted secure checkout page or API. |
| Mobile SDK | Businesses with an iOS or Android mobile app | Embed the OnlinePay Mobile SDK into your app – allowing users to make card and wallet payments without leaving your app. |
How it works
- Real-time dashboard view - manage and reconcile any in-store4, EFTPOS Air and OnlinePay transactions
- Maintain control over customer experience and branding - update your logo, brand colours and font when taking payments from a checkout page
- View sales insights - sales history, transaction summaries and settlement reports.
- Accept a variety of card types - including Mastercard®, Visa®, plus digital wallets like Apple Pay or Google PayTM. American Express® and JCB cards can also be accepted (subject to separate agreements)#
- Set up automated surcharging - recover your transaction costs when accepting card payments
- Help reduce the risk of fraud and chargebacks - get an extra layer of protection for your business with 3D Secure.
Frequently asked questions
All business types can apply for OnlinePay, including sole traders, companies, associations, partnerships, and trusts. Sole traders, companies, and associations can apply online. Other business types can call 1800 029 749 (8am-8pm Sydney time, Mon-Fri) to speak with an online payment specialist.
A payment gateway, such as OnlinePay, helps your business accept payments online by securely capturing, encrypting, and authorising a customer’s card or wallet details.
OnlinePay makes taking payments online easy – you can connect OnlinePay to your website, shopping cart, generate Payment Links to send directly to customers, and more. The funds you receive using OnlinePay are settled on the same day into your Westpac business transaction account3. This means you can accept online payments without needing a separate gateway provider and bank.
A simple 1.40% flat fee applies for eftpos, Visa, and Mastercard1 payments processed using OnlinePay. There are no lock-in contracts, establishment fees, or monthly fees.
A chargeback fee applies if a customer disputes a transaction. For full details, refer to: Your guide to merchant fees and charges (PDF 105KB).
OnlinePay helps protect your business and customers with built-in security features, including blocking rules, card tokenisation, and 3D Secure. 3D Secure adds an extra authentication step when your customers pay online, helping deter unauthorised card use, and reduce fraud and chargebacks.
Once you've submitted your application and received approval (typically two business days), you'll receive a welcome email with your OnlinePay Dashboard login details. From there, you can set up your preferred integration and start taking payments.
Recurring and subscription payments are supported by OnlinePay API integration only. Your developer connects your billing system, CRM, or other software to the OnlinePay API, which securely stores card details (using tokenisation) and triggers each scheduled payment automatically.
Alternatively, other Westpac products such as PayWay can schedule regular card or direct debit payments without an API build.
To discuss which option is right for your business, call 1800 029 749 (8am-8pm Sydney time, Mon-Fri) to speak with an online payment specialist.
You can find setup and account management information in the OnlinePay Support Centre, including access to user guides, developer guides, and API references.
For day-to-day servicing questions, call the Westpac Merchant Helpdesk on 1800 029 749, available 24/7.
Payment Links let you request payment from a customer without needing a website.
To set up a Payment Link using the OnlinePay Dashboard:
- Enter the customer and transaction details, including the amount and product information.
- A link is generated, which you share with your customer via the channel of your choice (SMS, email, or social media).
- Your customer clicks the link and is taken to a secure page to complete the payment. The payment may include an extra authentication step using 3D Secure.
Payments you take before 8:00pm Sydney time are deposited into your eligible Westpac business transaction account the same day – 7 days a week, including weekends and public holidays3. Payments taken after 8:00pm are deposited the next day.
Need a different solution?
Help when you need it
Things you should know
Applications for Westpac merchant services are subject to approval. Terms and conditions and other fees and charges (PDF 105KB) apply. Full details are available on request.
1. 1.4% flat rate pricing: Applies to eftpos, Mastercard and Visa payments by card or digital wallet.
2. Please ensure you contact your cart provider to understand any fees or charges that may apply with these vendors when using OnlinePay.
3. Same day settlement: Subject to system availability, settlement is performed directly after business day cut off. Business day cut-off for OnlinePay takes place 7-days a week at 8:00pm (Sydney time). Settlement must be to an eligible Westpac business transaction account.
# If you want to accept American Express or JCB cards you will need to enter separate agreements with American Express or JCB International.
Apple is a trademark of Apple Inc., registered in the U.S. and other countries.