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.
Here you'll find information that can help you reduce the risk of card fraud, stay up to date with Visa, Mastercard® and UnionPay International scheme rules, meet your compliance requirements and manage payment disputes. So that you can make your business more secure and deliver a great payment experience to your customers.
In-store payment (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.
Online payment (card not present)
This type of transaction is made online through a website and is also referred to as an e-commerce transaction.
Over the phone payment (card not present)
Also referred to as mail order/telephone order (MOTO), this type of transaction is processed using a virtual or physical terminal.
Recurring payment (card not present)
This refers to a payment that is taken regularly from a customer's bank account for the ongoing delivery of goods or services (e.g. a weekly gym membership).
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.
Prepare your business for eight-digit BINs.
Risk thought leadership articles.
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.
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.
An overview of the latest cyber security threats we face in our business and simple strategies you can easily implement to protect your 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.
Mastercard® is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.
Links to other sites are provided for convenience only and Westpac accepts no responsibility for the availability or content of such websites.