How to get started with your merchant facility and who to contact if you need help.
Helping you accept card payments your way.
Our merchant guide will help you understand how to set up and use your Westpac merchant facility, so that you can start accepting scheme credit and debit card payments in store, online, over the phone and in regular instalments.
You can also find out what technology you need, how to process payments, how our merchant fees work and when you’ll get paid.
As a Westpac merchant, it’s important to follow the instructions in this guide and on our Merchant Risk Hub to help protect your merchant facility and keep your business compliant with your Merchant Services Agreement. You also need to comply with the Visa, Mastercard® and UnionPay International scheme rules covered in this guide.
Additional rules may apply depending on the type of business you operate and the way you accept card payments in your business. Our team will work with you to help you understand your specific obligations.
We’re here to help.
If you can’t find the answers you need in this guide, please get in touch with our team.
Get help with your merchant facility.
In-store (card present)
How to accept card payments through an EFTPOS terminal when the cardholder is physically present in your store.
Online (card not present)
How to accept card payments through your e-commerce facility or by payment link.
Over the phone (card not present)
How to accept card payments over the phone using an EFTPOS terminal or a virtual terminal with a mail order/telephone order (MOTO) facility.
Recurring (card not present)
How to accept card payments in regular instalments from your customers.
Travel & entertainment (T&E) services and responsibilities
Find out about additional card payment services and responsibilities for travel and entertainment merchants – including guaranteed reservations, advance deposit, priority check out, cancellations and card not present receipt requirements.
Find out how to help protect your business against payment disputes (also known as chargebacks) and get help understanding your Payment Card Industry Data Security Standard (PCI DSS) responsibilities.
Statements & settlements
Find out how merchant pricing works and when payments accepted through your merchant facility will be settled to your bank account.
Statements & settlements.
Travel & entertainment merchants: Additional services & responsibilities.
Get in touch.
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.
Things you should know.
Westpac’s Merchant Services Agreement applies. Fees and charges, eligibility and credit criteria apply. Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Westpac Get Paid® is a registered trademark of Westpac Banking Corporation.
This guide is provided by Westpac to support our customers with some of the transaction processing requirements that apply, but it does not cover all obligations that may apply to your business. Westpac does not warrant the accuracy, adequacy or completeness of this guide for your business.