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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.

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?

EFTPOS Air

Get paid the easy way with our EFTPOS Air mobile app – no hardware needed. Use it on your compatible smartphone.

EFTPOS solutions

Require an in-store payment solution at the counter or on the move that integrates with your point of sale system?

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.  

Google Pay™ is a trademark of Google LLC.   

Mastercard® is a registered trademark of Mastercard International Incorporated.  

Visa® is a registered trademark of Visa International Service Association.   
American Express ® is a registered trademark of American Express.