PAYMENTS FROM THE GET-GO WITH ONLINEPAY
The flexible and secure way to accept online payments on your website, or if you don’t have one, by sending payment links.
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, as you can send payment links by the channel of your choice (SMS, email or social media). Use the dashboard to view and reconcile your OnlinePay, and eligible EFTPOS Air, and in-store4 transactions in real time.
Payment convenience for you and your customers
Flexible options to take payments when you're not face-to-face with customers via your website, virtual terminal or payment links.
Safe and secure payments
Ability to secure your payments with 3D Secure.
Support when you need it 24/7
For all your servicing and support needs, get support by calling the Westpac Merchant Helpdesk on 1800 029 749, or online via our 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.
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.
- Shopping cart plug-ins - easy-to-use plug-ins connects OnlinePay to your existing shopping cart (including Shopify, WooCommerce, Magento, PrestaShop and OpenCart)
- Checkout and API - create customised payment experiences with tailored payment flows by using a Westpac-hosted secure checkout page or other APIs
- Pay by link - create payment links to send via a channel of your choice
- Virtual terminal - accept payments over the phone or via mail by entering the cardholder details into a Virtual Terminal within the OnlinePay Dashboard.
Frequently asked questions
All business types are eligible to apply for OnlinePay, please call 1800 029 749 (8am-8pm Sydney time, Mon-Fri) for more details.
Apart from the 1.4% transaction fee for Visa and Mastercard1, when you use OnlinePay to accept card and wallet payments, the only other applicable fees will be chargeback fees.
For more information please refer to: Your guide to merchant fees and charges (PDF 105KB).
OnlinePay provides robust security with PCI DSS compliance accreditation and 3D Secure. 3D Secure provides an extra layer of protection for your business and customers for their online purchases. 3D Secure deters unauthorised card use and helps you to reduce fraudulent activity and chargebacks.
Approval usually takes 2 business days. Once approved, you'll receive a welcome email and your login details for the OnlinePay dashboard.
Please go to our OnlinePay Support Centre for further information, including access to our Developer Guide.
To set up a payment link from the OnlinePay dashboard:
1) Enter the transaction details, including the amount and product details
2) A link is generated, which you share with your customer via the channel of your choice
3) The customer clicks on this link, which is directed to a secure page where they can complete the transaction. The payment can also be 3D Secure authenticated.
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 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.
4. The dashboard can be used to view transactions made via EFTPOS Now, EFTPOS Now with Presto and EFTPOS Flex.
# 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.
Mastercard® is a registered trademark of Mastercard International Incorporated.