Hosted PayWay online payment systems for card payments online and by phone

Essentials

Customers always want choice; not only in products available, but in ways to pay with their choice of card, be that online or over the phone. With Westpac hosted PayWay, simply choose the modules best suited to your business needs.

PayWay Net

Your customers can make online payments quickly and securely using their credit card or PayPal® account via a secure Westpac-hosted webpage or trusted frame
The Westpac hosted webpage can be tailored to your business by adding your logo to the secure webpage
The Westpac hosted trusted frame can be embedded into your webpage to provide you control and flexibility in the payment experience
PayWay Net can also be fully integrated into the payment flow on your website, without needing to process credit card details on your server
Additional security for you and your customers with the option of adding 3D Secure (hosted payment page only) and/or Fraud Guard. These options enable further checks on internet transactions. Schemes supported by 3D Secure are Visa and Mastercard
Customers can now make online purchases quickly and securely from their digital wallet with either Apple Pay² or Google Pay³ for added convenience
Add PayTo^® Biller on PayWay as an additional ecommerce or onetime payment option for your customers and get paid in real-time.

PayWay Virtual Terminal

Allows you to manually process card payments for mail, telephone and online orders through a secure web page without the need to implement any additional software
Avoid the cost of having multiple EFTPOS terminals in your business, multiple staff can be set up with access to process credit card payments at the same time
Receive real time authorisation, giving you an immediate response on approved and declined transactions.

PayWay Phone

Accept payments using a 1300 number and interactive voice response (IVR) technology. Transactions are processed in real-time and your customer is provided with a receipt number.
Choose between a Westpac hosted 1300 number or your own 1300 number, depending on what’s easiest for your business.
Voice prompts can be tailored to give your customers a consistent customer experience. You can customise your trading name and specific instructions, such as where customers can find the reference number on their invoice, statement or bill. All customised voice prompts are studio-recorded by Westpac’s voice artist.
Westpac keeps your customer data secure, providing your business with peace of mind.

Features

Westpac Hosted PayWay supports major credit cards, including Visa, Mastercard®, JCB and UnionPay¹
Multiple reporting options available within the PayWay portal, easily reconcile and report on received payments, export or view transaction history
You can also view information for transactions made in the past 365 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
Approved Visa, Mastercard® and UnionPay transactions are settled into a Westpac Business transaction account on the same day for transactions processed before 6pm (Sydney time).

Suitable for

Professional services
Real estate agencies
Retail
Online retail and ecommerce
Childcare centres
Education and training
Insurance
Charities and not-for-profit organisations.

Online payments in 4 easy steps

1. Select how you want to receive and process payments:
I want my customers to pay online, my staff to process transactions or for my customers to pay over the phone.

2. Customise PayWay Net or Phone to suit your business; or simply give your staff access to the PayWay Virtual Terminal payment page.

3. Payments are accepted and processed and credited to your nominated Westpac Business Transaction account.

4. Your customers receive confirmation of payment and a receipt number.

Fees

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. Terms and conditions and other fees and charges (PDF 105KB) apply. Full details are available on request.

Conditions, fees and charges apply, and can be based on the volume and value of transactions per month.

1. If you want to accept American Express or JCB cards you will need to enter separate agreements with American Express or JCB International.

2. Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information.

3. Read the Google Pay Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.

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.
Internet connection may be needed to make purchases using Google Pay and normal mobile data charges apply.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

PayTo is a registered trademark of NPP Australia Limited.

Westpac hosted PayWay