Find a branch
Contact
Help
Merchant risk hub.
Help protect your business when accepting card payments and give your customers confidence when they transact with you.
Accept card payments safely.
Our merchant risk hub provides a wide range of best practice resources to help your business accept scheme credit or debit card payments safely.
Whether you're just starting out as a Westpac merchant or want to add new payment channels to your existing business, our guides, tips and articles make it easy to understand your responsibilities and how to better protect your business.
Protect your payment channels.
Find out how to strengthen the security of every payment channel you use in your business.
In-store payments (card present)
This type of transaction is made in a face-to-face environment where a customer physically presents their card and swipes, inserts or taps it on your EFTPOS terminal to make a payment.
Ecommerce and MOTO (card not present payments)
These types of transactions are made online through a website, virtual terminal/manual entry on a physical terminal (MOTO) or payment link (pay by link) transactions.
Reduce the risks.
It's important to comply with the rules and requirements set by Westpac and the schemes (Visa, Mastercard and UnionPay International) to reduce the risk of fines, payment disputes or losing your merchant facility.
Meet your PCI DSS compliance requirements
Every business that accepts scheme debit or credit cards must comply with the Payment Card Industry Data Security Standard (PCI DSS). Find out how to make your business compliant.
Protect your payment environment
When cardholder information has been accessed by an unauthorised person with the intention to commit fraud, this is known as an account data compromise (ADC). Find out how you can help prevent and respond to an ADC.
Help prevent payment disputes
Payments must be processed according to Visa, Mastercard and UnionPay International rules. Find out how to keep your business compliant at every stage of the payment cycle and what to do if a cardholder raises a payment dispute.
Risk resources.
Refund fraud is on the rise
Refund fraud begins with an order placed using a stolen card. The order is later cancelled and money is returned to a different account controlled by the fraudster.
Scammed from the inside: Internal fraud and how to spot it
When most businesses think about fraud, they picture criminals on the outside—hackers, phishing emails, or stolen cards. But some of the most damaging scams start much closer to home.
Retailers cautioned to make "MOTO" transactions more secure
While a convenient solution when a customer isn’t physically present, these kinds of payments carry extra risks because there’s no way to prove that whoever called or posted the card details is actually the rightful cardholder.
The fight against non-stop fraud
Provides an overview of supply chain cyber attacks, questions you need to be asking your internal teams and vendors as well as practical tips to prevent your business falling victim or being used in these types of attacks.
BIN attack fraud: What it is and why retailers should be wary
Retailers with online stores are being asked to look out for scammers who may be using their e-commerce facilities to test stolen card numbers.
Financial crime
An update on financial fraud and scams targeting businesses, the psychological tactics fraudsters use and how to empower your people to recognise and deal with these fraudulent requests.
Credit card fraud
Ideas to help protect your business and customers from credit card fraud - including recommendations on identifying risks, mitigating those risks and what to do if there's a breach.
Cyber security
An overview of the latest cyber security threats we face in our business and simple strategies you can easily implement to protect your business.
Get in touch.
New customers
Call the Westpac Merchant Services team on 0800 888 066 (option 1), weekdays from 8:30am to 5pm, or email merchant@westpac.co.nz
Existing customers
Contact your Westpac Relationship Manager, or contact our Merchant Services team on 0800 888 066 (option 2), weekdays from 8.30am to 5pm, or email merchant@westpac.co.nz
0800 888 066
- Option 1. New or additional merchant facilities, or to change ownership of an existing facility.
- Option 2. General enquiries on your existing merchant facility including suspicious transactions.
- Option 3. Westpac Get Paid on-the-go or Westpac Get Paid in-store technical support.
- Option 4. Westpac Get Paid online technical support.
- Option 5. Terminal faults that aren't related to Westpac Get Paid.
Which card payment solution is right for my business?
Things you should know.
The information on this page is intended as a guide only. We make no warranty or representation, express or implied, regarding the accuracy of any information, statement or advice contained on this page. We recommend you seek independent advice before acting or relying on any of the information on this page. All opinions, statements and analysis expressed are based on information current at the time of writing from sources which Westpac believes to be authentic and reliable. Westpac issues no invitation to anyone to rely on this material.
Links to other sites are provided for convenience only and Westpac accepts no responsibility for the availability or content of such websites.