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QuickStream

Enterprise receivables, simplified.

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One API for every way you get paid

QuickStream is Westpac's enterprise-grade receivables platform combining real-time payments, cards, and traditional payment rails into a single, secure API that's built for scale, control, and reconciliation certainty.

Benefits for your business

Faster cash flow

Real-time payment acceptance through PayTo® and PayID® Biller reduces settlement delays and improves working capital.

Reconciliation certainty

Unique payment identifiers, real-time notifications, and webhook-driven events reduce manual matching and operational effort.

One platform, fewer vendors

A single Westpac-owned platform housing multiple payment rails enables seamless management of cards, wallets, bank transfers, and Direct Debit.

Built for scale and change

Modular APIs and Software Development Kits (SDKs) ensure core systems aren't re­-engineered when new payment types are added.

Bank-grade security and local support

PCI DSS Level 1, PCI 3DS, and IS027001 certifications - plus access to Australia-based specialists - support a confident integration.

How QuickStream works

Connect once

Integrate your systems with Australia's key payment networks through a single, secure QuickStream API.

Accept payments

Receive real-time, account-to­ account, card, and digital wallet payments through one platform.

Automate events

Trigger workflows and customer notifications using APIs and webhooks as activity happens.

Reconcile with confidence

Receive automated reporting and customisable reconciliation data.

 

Payment methods and capabilities

PayTo® API

A real-time alternative to Direct Debit, enabling digital payment agreements, faster onboarding, and near-instant settlement for improved cash flow.

PayID® Biller API

24/7 account-to-account payments using unique PayIDs - supporting real-time payment confirmation and automated reconciliation.

Cards and digital wallets

A single platform for accepting debit cards, credit cards, Apple Pay, and Google Pay, for streamlined settlement and real-time reporting.

Direct Debit

Broad payer coverage, with support for accounts that are not accessible through the NPP.

Fraud and security controls

Layered protections including 3D Secure, Fraud Guard, Network Tokenisation, and Westpac Verify with Confirmation of Payer (coming soon), combined with monitoring tools designed to reduce fraud, chargebacks and payment risk.

Technical benefits for your organisation

Designed for developers. Trusted by enterprises.

Whether you're building a custom integration or enhancing an existing platform, QuickStream supports developer-led delivery at enterprise scale.

QuickStream provides:

  • APIs with secure authentication.
  • Webhooks for real-time payment events and reconciliation.
  • Mobile Software Development Kit (SDKs) for all payment types.
  • Trusted Frame for cards, bank accounts, and PayTo®.
  • A sandbox environment for testing.

Comprehensive technical documentation and API references.
 

More on implementation.

Next steps for your business

 

Find the right solution fast

Online tool

Unsure whether QuickStream is the right fit for your organisation's real-time payment needs? Our Solutions Finder Tool can help - and fast.

Get started

Frequently asked questions

How do businesses use QuickStream for real-time payments?

Businesses use QuickStream to accept real-time, account-to-account payments using PayTo® and PayID® Biller. These payment methods enable funds to move instantly between bank accounts, with immediate confirmation and rich payment data. This helps organisations improve cash flow, reduce reliance on cards or batch settlement, and gain faster visibility of incoming payments.

QuickStream helps reduce manual reconciliation by offering unique payment references such as PayIDs or End-to-End IDs, real-time payment notifications, and webhook-driven events. Each payment includes structured data that can be matched as funds are received, enabling automated reconciliation, faster exception handling, and less manual back-office effort.

QuickStream provides layered fraud protection for card-not-present transactions, including 3D Secure, Fraud Guard, authentication tools, and transaction monitoring. These controls are designed to help reduce fraud, chargebacks, and exposure to BIN attacks, while supporting secure online payment experiences.

Already with Westpac?

Chat to your relationship manager about the real-time solutions best suited to your business.

New to Westpac?

Chat to a payment expert about the real-time solutions best suited to your business.

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Things you should know

PayTo® and PayID® are registered trademarks of NPP Australia Ltd ABN 68 601 428 737