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  • Simple to set up, with no additional software required
  • Accept credit card payments from various locations via a desktop, smartphone or tablet
  •  Process card payments via a secure PayWay webpage without the need for a physical EFTPOS machine
  • Multiple staff can be provided Virtual Terminal simultaneously
  • Settlement and trend reports available for reconciliation and analytical purposes, accessible via the PayWay online portal.
  • Approved Visa, Mastercard® and UnionPay transactions settled into a Westpac Business transaction account on the same day for transactions processed before 6pm (Sydney time).


  • PayWay Virtual Terminal supports major credit cards, including Visa, Mastercard, American Express®, Diners Club,  JCB and UnionPay1
  •  Receive real time authorisation, giving you an immediate response on approved and declined transactions
  •  Ability to email receipts to your customers
  •  You can also view information for transactions made in the past 220 days online or in a spreadsheet, accessible via the PayWay online portal
  • Settlement and trend reports available for reconciliation and analytical purposes, accessible via the PayWay online portal.
  • Option to automatically calculate credit card surcharge
  • Configure custom fields allowing you to collect additional information about your customers and payments
  • Your customer data is kept secure, providing your business with peace of mind.

Suitable for

  • Call centres
  • Telephone orders
  • Mail orders
  • Ad hoc orders
  • Wholesalers
  • Real estate agents
  • Catalogue businesses.

Payments in 4 easy steps

1. PayWay provides your business with online access to a Virtual Terminal.

2. Access PayWay Virtual Terminal online via a desktop, smartphone or tablet.

3. Multiple staff can key in credit card payment details in real-time. Reference details and customer numbers can be included for easy reconciliation.



4. Download your settlement reports from the PayWay Portal.


Every business is unique, so to ensure we inform you about the appropriate fees for your situation contact us for a detailed quote.

Things you should know

Applications for merchant services are subject to approval. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation and needs. Terms and Conditions and other fees and charges apply. Full details are available on request.

Westpac Banking Corporation ABN 33 007 457 141

AFSL and Australian credit licence 233714.

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.

Mastercard is a registered trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express.