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This tool provides general advice only.

How would you like to take payments?

Where would you like to take payments?

What do you need?

What type of payments would you like to process?

Would you like your EFTPOS machine to integrate with a point of sale (POS) system?

Do you already have a POS system?

Take card payments in store or on the go

EFTPOS Now is a go-anywhere card payment machine that can work without POS. It’s a great solution for cafes, shops, market stalls, food trucks, trades, and professional services.

Westpac EFTPOS 1 taking card payment

Why choose EFTPOS Now?

  • Use anywhere with 4G and Wi-Fi connectivity2
  • Keep trading day and night with back up connectivity and 24/7 customer support
  • Access your money straight away with instant settlement3
  • Provide better service with email receipts, tipping, and features that assist customers with vision impairment
  • Get clear visibility of your transactions in Online Banking.4
Submit a form and we’ll get back to you in 1 business day.

Presto Smart

A fast and secure integrated EFTPOS solution to help you save time and improve customer service.

Westpac Presto Smart integrated EFTPOS

Presto Smart is an integrated system that connects seamlessly with many popular Point of Sale systems4.

Key benefits

  • Takes payments anywhere in your business premises
  • Accepts most card payments2  through a variety of connectivity options
  • Offers flexible plans with no lock-in contracts3
  • Gives immediate access to your funds with Instant Settlement4 on funds into a Westpac account
  • Enables fuss-free end of day reconciliations
  • Ideal for shops, restaurants and cafés.

EFTPOS Connect

Take fast, seamless payments with an EFTPOS terminal that integrates with your Linkly Point of Sale.

Westpac integrated EFTPOS

EFTPOS Connect is a terminal that integrates with a range of Linkly Point of Sale systems6

Key benefits

  • Take payments anywhere in store
  • Receive your daily business takings instantly
  • Supports TruRating and Zip.

Westpac hosted PayWay

Turn your website into an online store by allowing customers to securely pay by credit card using a simple payment page with your branding, but hosted by Westpac.

  • Accept all major credit card types including American Express®, JCB and Diners Club. Also accepts PayPal
  • Funds are settled to your nominated Westpac business bank account for better cash flow.


Choose from 3 options:

  1. Accept bill payments from a link on your website to a Westpac hosted payment page;
  2. Accept bill payments at (you don't need a website); or
  3. Your website passes payment values to a Westpac hosted payment page.

PayWay Net

PayWay Net is a ‘plug and play’ way to turn your website into an online store. Your customers can pay by card via a secure payment page that’s hosted by Westpac but features your branding.


  • Get up and running quickly with no need for technical knowledge
  • Accept all major credit card and PayPal payments using a secure Westpac hosted webpage or trusted frame
  • Collect payments from invoices or integrate PayWay Net with your website
  • Receive funds fast with same-day settlement into your Westpac business transaction account for payments processed before 6pm (Sydney time).

Third party payment gateway

You choose your approved payment gateway provider, then we act as the 'digital key', securely processing card payments. Ideal for online retailers, hotels and restaurants, travel and tour operators and call centres.


  • Receive funds fast with same-day settlement into your Westpac Business transaction account for payments processed before 6pm (Sydney time)
  • Enjoy the peace of mind and security of 128-bit SSL encryption
  • Keep trading day and night with 24/7 support.



PayWay Virtual Terminal

With Virtual Terminal, your staff can process card payments via a secure webpage without the need for an EFTPOS machine. This makes it ideal for processing individual card payments received by phone or mail.


  • Get better visibility of your takings with easy access to transaction history online
  • Simplify reconciliation and analytics with settlement and trend reports
  • Enjoy the flexibility of taking payments from any secure desktop or smartphone
  • Receive funds fast with same-day settlement into your Westpac business transaction account.


Take secure card payments the way you want to, through your website, by phone or by mail.

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

PayWay recurring billing

Easily schedule periodic collections of credit and debit card payments with this 'set and forget' payment processing solution.


  • Save time processing payments in your subscription-based business (such as gym, personal trainer, digital publisher and marketer)
  • Enjoy steady, reliable cash flow with the flexibility to set weekly, fortnightly, monthly, quarterly and yearly collections from each customer’s bank account or credit card
  • Easily process regular customer payments via file upload
  • Get a clear status view with multiple reporting options including failed payments, expiring credit cards and final payment due
  • Receive funds fast with same-day settlement into your Westpac business transaction account for payments processed before 6pm (Sydney time).


BPAY® is a quick and easy way for your customers to pay you over the phone or through online banking.



  • Improve your cash flow with no dishonoured cheques or payments
  • Get same day value for payments up to the daily cut off
  • Reduce payment collection costs
  • Save admin and reconciliation time, with details of all Easy BPAY payments appearing on your bank statement.

We can help you find the right EFTPOS solution for your choice of POS system. Request a callback and one of our payment specialists will get back to you within 1 business day.

We can help you find the best mix of payment solutions for your business. Request a callback and one of our payment specialists will get back to you within one business day.

Choose the integrated EFTPOS solution that matches your point of sale system

Presto Smart

Integrate with popular POS systems

Presto Smart syncs with dozens of popular point of sale systems1, to give you all the time-saving benefits of EFTPOS/POS integration. It’s a great solution for restaurants, cafés and retail.

  • 2Dfire
  • Abacus
  • Apparel 21
  • AuPOS
  • Bepoz
  • BizFlex
  • Bsmarter
  • ClickPOS
  • CloudHQ
  • Deliverit
  • EatCool
  • eposnow
  • esuite
  • Futura
  • FutureNet
  • Gap ezipos
  • H&L
  • Harmony
  • Hike
  • Idealpos
  • Imagatec
  • Impos
  • Inpos
  • Kitomba
  • Kounta
  • K POS
  • Link POS
  • Magenta
  • Merlin
  • MiPOS
  • MobiPOS
  • Oracle
  • OrderMate
  • pbsa
  • POS Solutions
  • POS Works
  • Remote POS
  • Retail Touch
  • Shift8
  • Solemate
  • SplitAbility
  • Starrtec
  • Suntech
  • SwiftPOS
  • Sym-pac
  • Tower Systems
  • Workshop Software 


EFTPOS Connect

Integrate with Linkly POS systems 

EFTPOS Connect syncs with 100s of Linkly accredited point of sale systems1, to give you all the time-saving benefits of EFTPOS/POS integration.

Visit the Linkly website to see the list of Linkly accredited POS vendors.

If your POS isn't listed above, request a callback to discuss other options with one of our payment specialists.

Things you should know

Applications for merchant services are subject to approval. Terms and Conditions and other fees and charges (PDF 69KB) apply. Full details are available on request.

1. The Point of Sale solutions are supplied by POS Providers, not Westpac. Westpac does not guarantee or endorse those products and any related services.

2. Subject to system availability.

3. Westpac instant settlement functionality is not available between 9:30 pm and 11:59 pm (EFTPOS 1 and Presto Smart terminals) and between 9:30 pm and 11:00 pm (EFTPOS Now and EFTPOS Connect terminals) - Sydney time. You can only perform a settlement once a day, before 9:30 pm (Sydney time). A settlement done after 11:00 pm for EFTPOS Now and EFTPOS Connect terminals and after 11:59 pm for EFTPOS 1 and Presto Smart terminals, will be processed as a settlement for the next day. Subject to system availability, settlement can take place 7 days a week. Settlement must be to an eligible Westpac transaction account. Instant Settlement functionality is not available on Corporate Online. Instant Settlement is only available for Mastercard, Visa and eftpos transactions (plus UnionPay if using EFTPOS Connect).

4. For merchant facilities with Westpac Online Banking enabled and for customers with a Merchant Member Number (MMN) linked to both their 8 digit customer number/ID and their Merchant ID(s). Transactions in Westpac Online Banking are not viewable in real-time and may be impacted by weekends, public holidays, outages and planned maintenance.

5. This functionality is POS dependent.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express.

BPAY® and Osko® are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518.