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Westpac One Business payment file upload reference guide.

If you use accounting, payroll, or practice management software, you can upload payment or direct debit files directly into Westpac One® Business. This page explains the file formats you can use, how they work, what your file needs to include, and how to fix common issues.

About payment files

A payment file is a file created by your software that contains a list of payments or direct debits. The format available to you depends on the accounting, payroll, ERP, treasury, or practice management software you use. 

Instead of entering each payment manually, you will:

  1. Export the file from your software system
  2. Upload it to Westpac One Business
  3. Review and approve the uploaded transactions.

For instructions about uploading files, visit How do I upload a payment file in Westpac One Business.

To learn about payment file statuses, visit Payment file statuses.

Future-dated payments using file upload

You can upload files that contain future-dated transactions by setting the transaction date to the header row. If you don't have a header row, the transactions will be processed on the same day the file is uploaded.

Uploading files with direct debits.

Files can't contain a mix of direct debits and direct credits. If you want to upload a file containing direct debits you'll need to create a separate file with those transactions. Files containing direct debits are formatted differently than other payment types. See the direct debits section under each payment type to learn how to format these files.

Supported file formats.

Supported file formats

  • Comma-separated values (CSV)
  • Fixed Length
  • BACHO
  • ISO 20022 PAIN.001 XML
  • ISO 20022 PAIN.008 XML
  • Qvalent NZ Payment Import CSV
  • Qvalent Flat File.

Note: The PC1 file format used in Business Online is no longer supported.

To learn more about each file format visit  Westpac One Business file formats and examples.  

How files are structured

Formatting guide

Common issues and how to fix them.

We’re here to help.

If you need help, please get in touch with our Westpac One Business Helpdesk on 0800 00 99 11 or +64 9 374 8226 from overseas (international charges may apply) weekdays 8.30am to 5.30pm.

Things you should know.

  • T&Cs and fees apply to Westpac One Business. Westpac One Business® is a registered trademark of Westpac Banking Corporation.
  • This guide is provided by Westpac to support our customers with transaction processing, but it is not a comprehensive list of all matters to consider in establishing payments within your business, nor is it a recommendation or opinion. You should consult appropriate experts if you are unsure about how to use this guide. Westpac does not warrant the accuracy, adequacy or completeness of this guide for your business.